SF Stock Analysis: Stifel Financial | NYSE
Capital Markets | NYSE, USA | Market Cap: 11.224m USD | 12M Return: 6.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 101M
EPS Trend: 83.7%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Stifel Financial Corp. (NYSE: SF) is a U.S.-based bank holding company that operates through its principal subsidiary, Stifel, Nicolaus & Company, Incorporated, providing retail and institutional wealth management and investment banking services to individuals, corporations, municipalities, and institutions across the United States, the United Kingdom, Canada, and other international markets. The company is classified within the Financials sector under the GICS sub-industry of Investment Banking & Brokerage, reflecting its core revenue model built on brokerage commissions, advisory fees, trading income, and net interest income from lending and deposit activities.
The company conducts its operations through three reportable segments: Global Wealth Management, Institutional Group, and Other. Its service offerings span private client and financial planning services, securities brokerage (equities, mutual funds, fixed income products, and insurance), institutional equity and fixed income sales, trading, and research, municipal finance, and investment banking services including mergers and acquisitions advisory, public offerings, and private placements. Stifel also operates retail and commercial banking services, offering personal and commercial lending programs and deposit accounts, and participates in and manages corporate and public finance underwritings.
Founded in 1890 and headquartered in Saint Louis, Missouri, Stifel has been listed on the NYSE since its 1983 IPO and is currently classified as a large-cap stock. As a full-service investment bank and broker-dealer, the firm combines a traditional wealth management franchise with capital markets and advisory capabilities, serving both individual investors and institutional clients through an integrated business model.
- Wealth management fees track equity market levels and AUM growth
- Investment banking revenue rebounds on M&A and capital markets activity
- Net interest margin compresses as Federal Reserve cuts rates
| Net Income: 882.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: -458.6% < 20% (prev -483.2%; Δ 24.56% < -1%) |
| CFO/TA 0.02 > 3% & CFO 924.1m > Net Income 882.2m |
| Net Debt (798.4m) to EBITDA (1.48b): 0.54 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (110.3m) vs 12m ago -0.26% < -2% |
| Gross Margin: 86.07% > 18% (prev 83.63%; Δ 2.44% > 0.5%) |
| Asset Turnover: 15.64% > 50% (prev 14.71%; Δ 0.93% > 0%) |
| Interest Coverage Ratio: 1.67 > 6 (EBIT TTM 1.32b / Interest Expense TTM 791.7m) |
| A: -0.70 (Total Current Assets 4.92b - Total Current Liabilities 34.8b) / Total Assets 42.9b |
| B: 0.10 (Retained Earnings 4.27b / Total Assets 42.9b) |
| C: 0.03 (EBIT TTM 1.32b / Avg Total Assets 41.6b) |
| D: 0.16 (Book Value of Equity 5.98b / Total Liabilities 36.9b) |
| Altman-Z'' = -3.86 = D |
| DSRI: 1.33 (Receivables 1.53b/1.05b, Revenue 6.51b/5.94b) |
| GMI: 0.97 (GM 83.63% / 86.07%) |
| AQI: 0.99 (AQ_t 0.86 / AQ_t-1 0.87) |
| SGI: 1.10 (Revenue 6.51b / 5.94b) |
| TATA: -0.00 (NI 882.2m - CFO 924.1m) / TA 42.9b) |
| Beneish M = -2.72 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 74.97 with a total of 1,065,185 shares traded. Over the past week, the price has changed by +10.28%, over one month by +6.60%, over three months by +2.36% and over the past year by +6.48%.
Current recommended Stop Loss: 71.20 (which is 5% or 1.9 ATR below the current price).
Stifel Financial has received a consensus analysts rating of 3.71. Therefore, it is recommended to hold SF.
- StrongBuy: 2
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 86.8 | 15.7% |
P/E Trailing = 14.2354
P/E Forward = 11.2233
P/S = 1.9797
P/B = 2.118
P/EG = 0.9592
Revenue TTM = 6.51b USD
EBIT TTM = 1.32b USD
EBITDA TTM = 1.48b USD
Long Term Debt = 672.6m USD (from longTermDebt, last quarter)
Short Term Debt = 1.79b USD (from shortTermDebt, last quarter)
Debt = 4.16b USD (from shortLongTermDebtTotal, last quarter) + Leases 849.1m
Net Debt = 798.4m USD (calculated: Debt 4.16b - CCE 3.36b)
Enterprise Value = 12.0b USD (11.2b + Debt 4.16b - CCE 3.36b)
Interest Coverage Ratio = 1.67 (Ebit TTM 1.32b / Interest Expense TTM 791.7m)
EV/FCF = 14.47x (Enterprise Value 12.0b / FCF TTM 830.7m)
FCF Yield = 6.91% (FCF TTM 830.7m / Enterprise Value 12.0b)
FCF Margin = 12.76% (FCF TTM 830.7m / Revenue TTM 6.51b)
Net Margin = 13.55% (Net Income TTM 882.2m / Revenue TTM 6.51b)
Gross Margin = 86.07% ((Revenue TTM 6.51b - Cost of Revenue TTM 907.0m) / Revenue TTM)
Gross Margin QoQ = 82.82% (prev 89.03%)
Tobins Q-Ratio = 0.28 (Enterprise Value 12.0b / Total Assets 42.9b)
Interest Expense / Debt = 19.04% (Interest Expense 791.7m / Debt 4.16b)
Taxrate = 22.19% (251.6m / 1.13b)
NOPAT = 1.03b (EBIT 1.32b * (1 - 22.19%))
Current Ratio = 0.14 (Total Current Assets 4.92b / Total Current Liabilities 34.8b)
Debt / Equity = 0.69 (Debt 4.16b / totalStockholderEquity, last quarter 5.98b)
Debt / EBITDA = 0.54 (Net Debt 798.4m / EBITDA 1.48b)
Debt / FCF = 0.96 (Net Debt 798.4m / FCF TTM 830.7m)
Total Stockholder Equity = 5.83b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.12% (Net Income 882.2m / Total Assets 42.9b)
RoE = 15.14% (Net Income TTM 882.2m / Total Stockholder Equity 5.83b)
RoCE = 20.32% (EBIT 1.32b / Capital Employed (Equity 5.83b + L.T.Debt 672.6m))
RoIC = 10.73% (NOPAT 1.03b / Invested Capital 9.58b)
WACC = 11.76% (E(11.2b)/V(15.4b) * Re(10.63%) + D(4.16b)/V(15.4b) * Rd(19.04%) * (1-Tc(0.22)))
Discount Rate = 10.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -13.48 | Cagr: -0.39%
[DCF] Terminal Value 64.93% ; FCFF base≈821.7m ; Y1≈844.2m ; Y5≈936.0m
[DCF] Fair Price = 54.44 (EV 9.15b - Net Debt 798.4m = Equity 8.35b / Shares 153.4m; r=11.76% [WACC]; 5y FCF grow 2.78% → 2.50% )
EPS Correlation: 83.70 | EPS CAGR: 17.76% | SUE: 0.24 | # QB: 0
Revenue Correlation: 98.89 | Revenue CAGR: 11.37% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.37 | Chg30d=-1.62% | Revisions=-62% | Analysts=8
EPS next Quarter (2026-09-30): EPS=1.53 | Chg30d=+0.57% | Revisions=-62% | Analysts=7
EPS current Year (2026-12-31): EPS=6.32 | Chg30d=+0.16% | Revisions=-70% | GrowthEPS=+40.1% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=7.02 | Chg30d=+0.29% | Revisions=-70% | GrowthEPS=+11.2% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: -89% (up=0, down=24)