STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) Stock Fundamental Analysis
NYSE:SFB - New York Stock Exchange, Inc. - US8606306079 - Currency: USD
Taking everything into account, SFB scores 5 out of 10 in our fundamental rating. SFB was compared to 227 industry peers in the Capital Markets industry. While SFB is still in line with the averages on profitability rating, there are concerns on its financial health. SFB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year SFB was profitable.
In the past year SFB had a positive cash flow from operations.
SFB had positive earnings in each of the past 5 years.
Each year in the past 5 years SFB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.74%, SFB perfoms like the industry average, outperforming 40.53% of the companies in the same industry.
SFB has a Return On Equity of 12.21%. This is in the better half of the industry: SFB outperforms 65.20% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.97%, SFB is in line with its industry, outperforming 50.66% of the companies in the same industry.
SFB had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.09%.
The last Return On Invested Capital (3.97%) for SFB is above the 3 year average (3.24%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 12.21% | ||
| ROIC | 3.97% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
1.3 Margins
SFB has a Profit Margin of 11.66%. This is comparable to the rest of the industry: SFB outperforms 40.53% of its industry peers.
SFB's Profit Margin has been stable in the last couple of years.
With a Operating Margin value of 32.09%, SFB perfoms like the industry average, outperforming 54.63% of the companies in the same industry.
SFB's Operating Margin has improved in the last couple of years.
SFB's Gross Margin of 98.94% is amongst the best of the industry. SFB outperforms 98.68% of its industry peers.
In the last couple of years the Gross Margin of SFB has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 32.09% | ||
| PM (TTM) | 11.66% | ||
| GM | 98.94% |
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
2. Health
2.1 Basic Checks
The number of shares outstanding for SFB has been increased compared to 1 year ago.
SFB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SFB has been reduced compared to a year ago.
2.2 Solvency
SFB has an Altman-Z score of -0.41. This is a bad value and indicates that SFB is not financially healthy and even has some risk of bankruptcy.
SFB's Altman-Z score of -0.41 is on the low side compared to the rest of the industry. SFB is outperformed by 80.18% of its industry peers.
The Debt to FCF ratio of SFB is 74.42, which is on the high side as it means it would take SFB, 74.42 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 74.42, SFB perfoms like the industry average, outperforming 44.49% of the companies in the same industry.
SFB has a Debt/Equity ratio of 5.45. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.45, SFB is not doing good in the industry: 84.58% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.45 | ||
| Debt/FCF | 74.42 | ||
| Altman-Z | -0.41 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.12 indicates that SFB may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.12, SFB is doing worse than 89.43% of the companies in the same industry.
SFB has a Quick Ratio of 0.12. This is a bad value and indicates that SFB is not financially healthy enough and could expect problems in meeting its short term obligations.
SFB has a Quick ratio of 0.12. This is amonst the worse of the industry: SFB underperforms 89.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
SFB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.11%, which is quite impressive.
The Earnings Per Share has been growing by 10.86% on average over the past years. This is quite good.
The Revenue has grown by 15.36% in the past year. This is quite good.
The Revenue has been growing by 11.11% on average over the past years. This is quite good.
EPS 1Y (TTM)45.11%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%48.67%
Revenue 1Y (TTM)15.36%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%19.04%
3.2 Future
Based on estimates for the next years, SFB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.15% on average per year.
Based on estimates for the next years, SFB will show a small growth in Revenue. The Revenue will grow by 4.89% on average per year.
EPS Next Y14.83%
EPS Next 2Y16.1%
EPS Next 3Y17.82%
EPS Next 5Y8.15%
Revenue Next Year10.65%
Revenue Next 2Y10.3%
Revenue Next 3Y10.49%
Revenue Next 5Y4.89%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 2.84, the valuation of SFB can be described as very cheap.
Based on the Price/Earnings ratio, SFB is valued cheaply inside the industry as 96.48% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.29. SFB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.47, the valuation of SFB can be described as very cheap.
96.92% of the companies in the same industry are more expensive than SFB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.32. SFB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.84 | ||
| Fwd PE | 2.47 |
4.2 Price Multiples
99.12% of the companies in the same industry are more expensive than SFB, based on the Enterprise Value to EBITDA ratio.
84.14% of the companies in the same industry are more expensive than SFB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.82 | ||
| EV/EBITDA | 0.02 |
4.3 Compensation for Growth
SFB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of SFB may justify a higher PE ratio.
SFB's earnings are expected to grow with 17.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)0.26
EPS Next 2Y16.1%
EPS Next 3Y17.82%
5. Dividend
5.1 Amount
SFB has a Yearly Dividend Yield of 2.16%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 8.41, SFB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.51, SFB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
5.2 History
The dividend of SFB is nicely growing with an annual growth rate of 26.83%!
SFB has been paying a dividend for over 5 years, so it has already some track record.
SFB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)26.83%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
SFB pays out 32.75% of its income as dividend. This is a sustainable payout ratio.
SFB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.75%
EPS Next 2Y16.1%
EPS Next 3Y17.82%
STIFEL FINANCIAL CORP - SF 5.2 10/15/47
NYSE:SFB (4/21/2025, 4:10:02 PM)
19.36
-0.07 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners87.55%
Inst Owner ChangeN/A
Ins Owners3.26%
Ins Owner ChangeN/A
Market Cap2.01B
Analysts74.12
Price Target28.07 (44.99%)
Short Float %0%
Short Ratio0.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP32.75%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.05%
Min EPS beat(2)-9.13%
Max EPS beat(2)9.03%
EPS beat(4)2
Avg EPS beat(4)-0.17%
Min EPS beat(4)-9.13%
Max EPS beat(4)9.03%
EPS beat(8)3
Avg EPS beat(8)-7.92%
EPS beat(12)3
Avg EPS beat(12)-8.5%
EPS beat(16)7
Avg EPS beat(16)-3.42%
Revenue beat(2)1
Avg Revenue beat(2)1%
Min Revenue beat(2)-0.84%
Max Revenue beat(2)2.84%
Revenue beat(4)1
Avg Revenue beat(4)0.25%
Min Revenue beat(4)-0.84%
Max Revenue beat(4)2.84%
Revenue beat(8)2
Avg Revenue beat(8)-1.24%
Revenue beat(12)3
Avg Revenue beat(12)-1.44%
Revenue beat(16)7
Avg Revenue beat(16)-0.09%
PT rev (1m)3.69%
PT rev (3m)17.23%
EPS NQ rev (1m)-7.65%
EPS NQ rev (3m)-7.9%
EPS NY rev (1m)-6.61%
EPS NY rev (3m)-2.02%
Revenue NQ rev (1m)-3.1%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)-3.26%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.84 | ||
| Fwd PE | 2.47 | ||
| P/S | 0.34 | ||
| P/FCF | 4.82 | ||
| P/OCF | 4.1 | ||
| P/B | 0.35 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | 0.02 |
EPS(TTM)6.82
EY35.23%
EPS(NY)7.83
Fwd EY40.45%
FCF(TTM)4.02
FCFY20.74%
OCF(TTM)4.73
OCFY24.42%
SpS57.37
BVpS54.81
TBVpS40.27
PEG (NY)0.19
PEG (5Y)0.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 12.21% | ||
| ROCE | 30.01% | ||
| ROIC | 3.97% | ||
| ROICexc | 4.28% | ||
| ROICexgc | 4.67% | ||
| OM | 32.09% | ||
| PM (TTM) | 11.66% | ||
| GM | 98.94% | ||
| FCFM | 7% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
ROICexc(3y)3.52%
ROICexc(5y)3.22%
ROICexgc(3y)3.83%
ROICexgc(5y)3.53%
ROCE(3y)23.39%
ROCE(5y)18.24%
ROICexcg growth 3Y13.05%
ROICexcg growth 5Y6.85%
ROICexc growth 3Y13.05%
ROICexc growth 5Y7.88%
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.45 | ||
| Debt/FCF | 74.42 | ||
| Debt/EBITDA | 15.54 | ||
| Cap/Depr | 85.83% | ||
| Cap/Sales | 1.24% | ||
| Interest Coverage | 1.92 | ||
| Cash Conversion | 24.57% | ||
| Profit Quality | 60.03% | ||
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 | ||
| Altman-Z | -0.41 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)88.97%
Cap/Depr(5y)136.67%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.98%
Profit Quality(3y)108.09%
Profit Quality(5y)148.9%
High Growth Momentum
Growth
EPS 1Y (TTM)45.11%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%48.67%
EPS Next Y14.83%
EPS Next 2Y16.1%
EPS Next 3Y17.82%
EPS Next 5Y8.15%
Revenue 1Y (TTM)15.36%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%19.04%
Revenue Next Year10.65%
Revenue Next 2Y10.3%
Revenue Next 3Y10.49%
Revenue Next 5Y4.89%
EBIT growth 1Y25.89%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-12.57%
EBIT Next 3Y1.63%
EBIT Next 5Y2.66%
FCF growth 1Y-6.86%
FCF growth 3Y-15.23%
FCF growth 5Y-2.34%
OCF growth 1Y-1.78%
OCF growth 3Y-17.46%
OCF growth 5Y-4.79%