Overview Dividends

(SF) Stifel Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8606301021

Wealth Management, Investment Banking, Brokerage, Municipal Finance, Advisory

SF EPS (Earnings per Share)

EPS Growth (3Y CAGR): 7.95%
EPS Trend (3Y Correlation): 11.8%

SF Revenue

Revenue Growth (3Y CAGR): 1316.24%
Revenue Trend (3Y Correlation): 53.1%

Description: SF Stifel Financial October 31, 2025

Stifel Financial Corp. (NYSE: SF) is a diversified financial services firm that operates as the holding company for Stifel, Nicolaus & Company. It serves retail and institutional clients through three segments-Global Wealth Management, Institutional Group, and Other-offering private-client financial planning, securities brokerage, institutional equity and fixed-income sales, municipal finance, and full-service investment banking (M&A, IPOs, private placements). Founded in 1890 and based in St. Louis, Missouri, the firm also provides retail and commercial banking products such as personal loans and deposit accounts.

Key operating metrics from the most recent fiscal year (2023) show total revenue of roughly **$2.5 billion**, net income of **$210 million**, and **$150 billion** in assets under management (AUM), reflecting a modest 5 % year-over-year growth in the wealth-management segment. The business is sensitive to **interest-rate cycles**, which influence net interest income on its banking side, and to **fee compression** in brokerage services as clients shift toward low-cost digital platforms. A sector-wide driver is the ongoing consolidation among boutique investment banks, which could pressure margins but also create cross-selling opportunities for firms with integrated wealth-management and capital-markets capabilities.

For a deeper quantitative breakdown of Stifel’s valuation metrics, you might find ValueRay’s analyst tools useful.

SF Stock Overview

Market Cap in USD	12,006m
Sub-Industry	Investment Banking & Brokerage
IPO / Inception	1983-07-19

SF Stock Ratings

Growth Rating	64.6%
Fundamental	63.5%
Dividend Rating	61.0%
Return 12m vs S&P 500	-1.80%
Analyst Rating	3.71 of 5

SF Dividends

Dividend Yield 12m	1.52%
Yield on Cost 5y	4.98%
Annual Growth 5y	38.77%
Payout Consistency	51.6%
Payout Ratio	28.9%

SF Growth Ratios

Growth Correlation 3m	15.6%
Growth Correlation 12m	23.3%
Growth Correlation 5y	72.6%
CAGR 5y	26.19%
CAGR/Max DD 3y (Calmar Ratio)	0.76
CAGR/Mean DD 3y (Pain Ratio)	3.79
Sharpe Ratio 12m	0.13
Alpha	-5.56
Beta	1.129
Volatility	25.27%
Current Volume	924.8k
Average Volume 20d	776.8k
Stop Loss	114.8 (-3.1%)
Signal	0.30

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (211.82b TTM) > 0 and > 6% of Revenue (6% = 98.33b TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.78pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 0.18% (prev 17.28%; Δ -17.10pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 1.02b <= Net Income 211.82b (YES >=105%, WARN >=100%)

Net Debt (-1.37b) to EBITDA (705.1m) ratio: -1.95 <= 3.0 (WARN <= 3.5)

Current Ratio 3.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (110.1m) change vs 12m ago -0.84% (target <= -2.0% for YES)

Gross Margin 48.57% (prev 82.14%; Δ -33.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.86% (prev 14.77%; Δ -6.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.00 (EBITDA TTM 705.1m / Interest Expense TTM 205.82b) >= 6 (WARN >= 3)

Altman Z'' 0.00

(A) 0.00 = (Total Current Assets 4.23b - Total Current Liabilities 1.34b) / Total Assets 41687.36b

(B) 0.00 = Retained Earnings (Balance) 3.79b / Total Assets 41687.36b

(D) 0.00 = Book Value of Equity 3.74b / Total Liabilities 35931.22b

Total Rating: 0.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.54

1. Piotroski 4.0pt = -1.0

2. FCF Yield 8.79% = 4.39

3. FCF Margin 0.06% = 0.01

4. Debt/Equity 0.00 = 2.50

5. Debt/Ebitda -1.95 = 2.50

6. ROIC - WACC (= -0.53)% = -0.67

7. RoE 14.68% = 1.22

8. Rev. Trend 53.10% = 3.98

9. EPS Trend 11.82% = 0.59

What is the price of SF shares?

As of November 03, 2025, the stock is trading at USD 118.43 with a total of 924,830 shares traded.
Over the past week, the price has changed by -0.53%, over one month by +5.66%, over three months by +5.91% and over the past year by +18.97%.

Is Stifel Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Stifel Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.54 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SF is around 124.92 USD . This means that SF is currently overvalued and has a potential downside of 5.48%.

Is SF a buy, sell or hold?

Stifel Financial has received a consensus analysts rating of 3.71. Therefor, it is recommend to hold SF.

Strong Buy: 2
Buy: 1
Hold: 4
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the SF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	131.4	10.9%
Analysts Target Price	131.4	10.9%
ValueRay Target Price	139.9	18.2%

SF Fundamental Data Overview November 01, 2025

Market Cap USD = 12.01b (12.01b USD * 1.0 USD.USD)
P/E Trailing = 20.8442
P/E Forward = 11.3636
P/S = 2.2618
P/B = 2.3316
P/EG = 0.852
Beta = 1.129
Revenue TTM = 1638.90b USD
EBIT TTM = 643.1m USD
EBITDA TTM = 705.1m USD
Long Term Debt = 676.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 867.4m USD (from shortTermDebt, last fiscal year)
Debt = 1.54b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -1.37b USD (from netDebt column, last fiscal year)
Enterprise Value = 10.90b USD (12.01b + Debt 1.54b - CCE 2.65b)
Interest Coverage Ratio = 0.00 (Ebit TTM 643.1m / Interest Expense TTM 205.82b)
FCF Yield = 8.79% (FCF TTM 957.9m / Enterprise Value 10.90b)
FCF Margin = 0.06% (FCF TTM 957.9m / Revenue TTM 1638.90b)
Net Margin = 12.92% (Net Income TTM 211.82b / Revenue TTM 1638.90b)
Gross Margin = 48.57% ((Revenue TTM 1638.90b - Cost of Revenue TTM 842.93b) / Revenue TTM)
Gross Margin QoQ = 48.62% (prev 48.03%)
Tobins Q-Ratio = 0.00 (Enterprise Value 10.90b / Total Assets 41687.36b)
Interest Expense / Debt = 13.3k% (Interest Expense 205.17b / Debt 1.54b)
Taxrate = 26.11% (74.67b / 286.05b)
NOPAT = 475.2m (EBIT 643.1m * (1 - 26.11%))
Current Ratio = 3.15 (Total Current Assets 4.23b / Total Current Liabilities 1.34b)
Debt / Equity = 0.00 (Debt 1.54b / totalStockholderEquity, last quarter 5756.14b)
Debt / EBITDA = -1.95 (Net Debt -1.37b / EBITDA 705.1m)
Debt / FCF = -1.43 (Net Debt -1.37b / FCF TTM 957.9m)
Total Stockholder Equity = 1443.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.51% (Net Income 211.82b / Total Assets 41687.36b)
RoE = 14.68% (Net Income TTM 211.82b / Total Stockholder Equity 1443.24b)
RoCE = 0.04% (EBIT 643.1m / Capital Employed (Equity 1443.24b + L.T.Debt 676.6m))
RoIC = 8.49% (NOPAT 475.2m / Invested Capital 5.60b)
WACC = 9.02% (E(12.01b)/V(13.55b) * Re(10.18%) + (debt cost/tax rate unavailable))
Discount Rate = 10.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.57%
[DCF Debug] Terminal Value 73.16% ; FCFE base≈696.4m ; Y1≈796.7m ; Y5≈1.11b
Fair Price DCF = 131.1 (DCF Value 13.36b / Shares Outstanding 101.9m; 5y FCF grow 16.84% → 3.0% )
EPS Correlation: 11.82 | EPS CAGR: 7.95% | SUE: 0.22 | # QB: 0
Revenue Correlation: 53.10 | Revenue CAGR: 1316 % | SUE: 4.0 | # QB: 1

Additional Sources for SF Stock

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