(SF) Stifel Financial - Overview
Stock: Wealth Management, Investment Banking, Brokerage, Advisory, Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.71% |
| Yield on Cost 5y | 3.59% |
| Yield CAGR 5y | 32.33% |
| Payout Consistency | 51.2% |
| Payout Ratio | 20.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.0% |
| Relative Tail Risk | -0.04% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | -4.78 |
| Character TTM | |
|---|---|
| Beta | 1.394 |
| Beta Downside | 1.580 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.67% |
| CAGR/Max DD | 0.77 |
Description: SF Stifel Financial January 03, 2026
Stifel Financial Corp. (NYSE:SF) is a diversified financial services firm that functions as the holding company for Stifel, Nicolaus & Company. It delivers retail and institutional wealth management, brokerage, and investment banking services to a broad client base that includes individuals, corporations, municipalities, and institutions across the United States and abroad.
The business is organized into three operating segments: Global Wealth Management, which offers private-client financial planning and securities brokerage; Institutional Group, which provides equity and fixed-income sales, trading, research, and municipal finance; and “Other,” encompassing retail/commercial banking activities such as personal and commercial loans and deposit accounts.
Key performance indicators from the most recent fiscal year (2023) show revenue of approximately $2.5 billion, net income of $250 million, and assets under management (AUM) of roughly $150 billion. The firm’s earnings are increasingly sensitive to interest-rate cycles-higher rates lift net interest margin on its banking franchise but can suppress discretionary wealth-management fees.
Sector-wide, the investment-banking and brokerage industry is being driven by elevated M&A activity, a resurgence in public offerings after a pandemic-induced slowdown, and a competitive shift toward fee-based wealth-management models as investors demand lower-cost advisory solutions.
For a deeper, data-rich view of Stifel’s valuation dynamics, you may find the analytics on ValueRay worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 683.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 3.27 > 1.0 |
| NWC/Revenue: -451.9% < 20% (prev -469.1%; Δ 17.21% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.43b > Net Income 683.8m |
| Net Debt (3.08b) to EBITDA (933.5m): 3.30 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (110.3m) vs 12m ago -1.56% < -2% |
| Gross Margin: 86.56% > 18% (prev 0.83%; Δ 8573 % > 0.5%) |
| Asset Turnover: 15.44% > 50% (prev 14.76%; Δ 0.68% > 0%) |
| Interest Coverage Ratio: 0.69 > 6 (EBITDA TTM 933.5m / Interest Expense TTM 817.8m) |
Altman Z'' -4.08
| A: -0.68 (Total Current Assets 5.06b - Total Current Liabilities 33.53b) / Total Assets 41.69b |
| B: 0.10 (Retained Earnings 3.96b / Total Assets 41.69b) |
| C: 0.01 (EBIT TTM 563.2m / Avg Total Assets 40.79b) |
| D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 35.93b) |
| Altman-Z'' Score: -4.08 = D |
What is the price of SF shares?
Over the past week, the price has changed by +2.08%, over one month by -3.02%, over three months by +8.31% and over the past year by +16.87%.
Is SF a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 141.4 | 9.7% |
| Analysts Target Price | 141.4 | 9.7% |
| ValueRay Target Price | 155 | 20.2% |
SF Fundamental Data Overview January 31, 2026
P/E Forward = 13.6054
P/S = 2.284
P/B = 2.393
P/EG = 1.2759
Revenue TTM = 6.30b USD
EBIT TTM = 563.2m USD
EBITDA TTM = 933.5m USD
Long Term Debt = 672.2m USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.55b USD (from shortTermDebt, two quarters ago)
Debt = 3.08b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 3.08b USD (using Total Debt 3.08b, CCE unavailable)
Enterprise Value = 15.71b USD (12.63b + Debt 3.08b - (null CCE))
Interest Coverage Ratio = 0.69 (Ebit TTM 563.2m / Interest Expense TTM 817.8m)
EV/FCF = 11.53x (Enterprise Value 15.71b / FCF TTM 1.36b)
FCF Yield = 8.67% (FCF TTM 1.36b / Enterprise Value 15.71b)
FCF Margin = 21.64% (FCF TTM 1.36b / Revenue TTM 6.30b)
Net Margin = 10.86% (Net Income TTM 683.8m / Revenue TTM 6.30b)
Gross Margin = 86.56% ((Revenue TTM 6.30b - Cost of Revenue TTM 846.5m) / Revenue TTM)
Gross Margin QoQ = 89.03% (prev 86.81%)
Tobins Q-Ratio = 0.38 (Enterprise Value 15.71b / Total Assets 41.69b)
Interest Expense / Debt = 6.23% (Interest Expense 192.3m / Debt 3.08b)
Taxrate = 14.14% (43.5m / 307.9m)
NOPAT = 483.6m (EBIT 563.2m * (1 - 14.14%))
Current Ratio = 0.15 (Total Current Assets 5.06b / Total Current Liabilities 33.53b)
Debt / Equity = 0.54 (Debt 3.08b / totalStockholderEquity, two quarters ago 5.76b)
Debt / EBITDA = 3.30 (Net Debt 3.08b / EBITDA 933.5m)
Debt / FCF = 2.26 (Net Debt 3.08b / FCF TTM 1.36b)
Total Stockholder Equity = 5.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.68% (Net Income 683.8m / Total Assets 41.69b)
RoE = 12.11% (Net Income TTM 683.8m / Total Stockholder Equity 5.64b)
RoCE = 8.92% (EBIT 563.2m / Capital Employed (Equity 5.64b + L.T.Debt 672.2m))
RoIC = 8.60% (NOPAT 483.6m / Invested Capital 5.62b)
WACC = 9.93% (E(12.63b)/V(15.71b) * Re(11.05%) + D(3.08b)/V(15.71b) * Rd(6.23%) * (1-Tc(0.14)))
Discount Rate = 11.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.44%
[DCF Debug] Terminal Value 75.25% ; FCFF base≈818.6m ; Y1≈1.01b ; Y5≈1.72b
Fair Price DCF = 174.6 (EV 20.83b - Net Debt 3.08b = Equity 17.75b / Shares 101.7m; r=9.93% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 20.57 | EPS CAGR: 16.36% | SUE: 0.22 | # QB: 0
Revenue Correlation: 96.22 | Revenue CAGR: 12.95% | SUE: 2.72 | # QB: 2
EPS next Quarter (2026-03-31): EPS=2.09 | Chg30d=-0.073 | Revisions Net=+2 | Analysts=7
EPS current Year (2026-12-31): EPS=9.73 | Chg30d=+0.114 | Revisions Net=+3 | Growth EPS=+44.0% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=11.05 | Chg30d=+0.152 | Revisions Net=+2 | Growth EPS=+13.5% | Growth Revenue=+7.4%