STIFEL FINANCIAL CORP (SF) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SF • US8606301021
128.87 USD
+4.59 (+3.69%)
At close: Feb 4, 2026
128.87 USD
0 (0%)
After Hours: 2/4/2026, 8:04:00 PM
Overall SF gets a fundamental rating of 4 out of 10. We evaluated SF against 238 industry peers in the Capital Markets industry. SF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SF was profitable.
- SF had a positive operating cash flow in the past year.
- Each year in the past 5 years SF has been profitable.
- Of the past 5 years SF 4 years had a positive operating cash flow.
1.2 Ratios
- SF has a worse Return On Assets (1.50%) than 63.45% of its industry peers.
- The Return On Equity of SF (10.88%) is better than 63.03% of its industry peers.
- SF has a Return On Invested Capital (3.47%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROIC | 3.47% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 10.12%, SF is doing worse than 63.45% of the companies in the same industry.
- SF's Profit Margin has declined in the last couple of years.
- SF's Operating Margin of 27.20% is in line compared to the rest of the industry. SF outperforms 54.62% of its industry peers.
- SF's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 98.93%, SF belongs to the top of the industry, outperforming 98.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% |
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- There is no outstanding debt for SF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- Based on the Altman-Z score of -0.25, we must say that SF is in the distress zone and has some risk of bankruptcy.
- SF's Altman-Z score of -0.25 is on the low side compared to the rest of the industry. SF is outperformed by 81.09% of its industry peers.
- SF has a debt to FCF ratio of 23.74. This is a negative value and a sign of low solvency as SF would need 23.74 years to pay back of all of its debts.
- SF has a Debt to FCF ratio (23.74) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 5.62 is on the high side and indicates that SF has dependencies on debt financing.
- With a Debt to Equity ratio value of 5.62, SF is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.25 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- SF has a Current Ratio of 0.14. This is a bad value and indicates that SF is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Current ratio value of 0.14, SF is not doing good in the industry: 90.34% of the companies in the same industry are doing better.
- A Quick Ratio of 0.14 indicates that SF may have some problems paying its short term obligations.
- SF's Quick ratio of 0.14 is on the low side compared to the rest of the industry. SF is outperformed by 90.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
- SF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.42%, which is quite good.
- The Earnings Per Share has been growing by 11.71% on average over the past years. This is quite good.
- The Revenue has been growing slightly by 6.65% in the past year.
- Measured over the past years, SF shows a quite strong growth in Revenue. The Revenue has been growing by 10.70% on average per year.
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%
3.2 Future
- SF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.88% yearly.
- The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y4.6%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.23 indicates a correct valuation of SF.
- SF's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 28.25. SF is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 12.98, the valuation of SF can be described as correct.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SF is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 27.50. SF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.23 | ||
| Fwd PE | 12.98 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, SF is valued cheaply inside the industry as 92.86% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, SF is valued cheaper than 80.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.63 | ||
| EV/EBITDA | 5.74 |
4.3 Compensation for Growth
- SF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.65
PEG (5Y)1.39
EPS Next 2Y17.95%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.64%, SF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 6.02, SF has a dividend in line with its industry peers.
- SF's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
5.2 History
- On average, the dividend of SF grows each year by 26.83%, which is quite nice.
- SF has been paying a dividend for at least 10 years, so it has a reliable track record.
- SF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)26.83%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
- 38.60% of the earnings are spent on dividend by SF. This is a low number and sustainable payout ratio.
- SF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
128.87
+4.59 (+3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-21 2026-04-21/bmo
Inst Owners89.38%
Inst Owner Change-2.73%
Ins Owners3.11%
Ins Owner Change-3.23%
Market Cap13.12B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts78.75
Price Target146.03 (13.32%)
Short Float %1.99%
Short Ratio2.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-02 2026-03-02 (0.51)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.58%
Min EPS beat(2)0.27%
Max EPS beat(2)2.88%
EPS beat(4)3
Avg EPS beat(4)2.35%
Min EPS beat(4)-2.78%
Max EPS beat(4)9.03%
EPS beat(8)5
Avg EPS beat(8)1.34%
EPS beat(12)5
Avg EPS beat(12)-5.77%
EPS beat(16)6
Avg EPS beat(16)-5.45%
Revenue beat(2)2
Avg Revenue beat(2)2.84%
Min Revenue beat(2)0.89%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)1%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.71%
Revenue beat(12)6
Avg Revenue beat(12)0.87%
Revenue beat(16)7
Avg Revenue beat(16)0.12%
PT rev (1m)2.96%
PT rev (3m)5.09%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)2.35%
EPS NY rev (1m)0.48%
EPS NY rev (3m)-1.67%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)4.24%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)2.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.23 | ||
| Fwd PE | 12.98 | ||
| P/S | 2.12 | ||
| P/FCF | 9.63 | ||
| P/OCF | 9.18 | ||
| P/B | 2.28 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | 5.74 |
EPS(TTM)7.94
EY6.16%
EPS(NY)9.93
Fwd EY7.7%
FCF(TTM)13.39
FCFY10.39%
OCF(TTM)14.03
OCFY10.89%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)0.65
PEG (5Y)1.39
Graham Number100.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROCE | 26.18% | ||
| ROIC | 3.47% | ||
| ROICexc | 3.79% | ||
| ROICexgc | 4.12% | ||
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% | ||
| FCFM | 22.03% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Debt/EBITDA | 18.32 | ||
| Cap/Depr | 79.44% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | 1.93 | ||
| Cash Conversion | 80.91% | ||
| Profit Quality | 217.7% | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | -0.25 |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y4.6%
EBIT growth 1Y-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y12.1%
FCF growth 1Y82513.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1913.39%
OCF growth 3YN/A
OCF growth 5YN/A
STIFEL FINANCIAL CORP / SF FAQ
What is the fundamental rating for SF stock?
ChartMill assigns a fundamental rating of 4 / 10 to SF.
What is the valuation status for SF stock?
ChartMill assigns a valuation rating of 6 / 10 to STIFEL FINANCIAL CORP (SF). This can be considered as Fairly Valued.
Can you provide the profitability details for STIFEL FINANCIAL CORP?
STIFEL FINANCIAL CORP (SF) has a profitability rating of 4 / 10.
What is the financial health of STIFEL FINANCIAL CORP (SF) stock?
The financial health rating of STIFEL FINANCIAL CORP (SF) is 1 / 10.
Can you provide the expected EPS growth for SF stock?
The Earnings per Share (EPS) of STIFEL FINANCIAL CORP (SF) is expected to grow by 25.05% in the next year.