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

Investment Banking & Brokerage
Market Cap in USD: 13,035m

IPO / Inception: 1983-07-19
Return 12m vs S&P 500: 6.36%

EPS (Earnings per Share)

EPS CAGR: -3.51%
EPS Trend: -9.7%

Last SUE: 0.22
Qual. Beats: 0

Revenue

Rev. CAGR: 4.88%
Rev. Trend: 84.9%

Last SUE: 0.91
Qual. Beats: 1

Dividends

Dividend Yield	1.47%
Yield on Cost 5y	3.90%
Yield CAGR 5y	25.37%
Payout Consistency	50.7%
Payout Ratio	29.5%

Risk via 5d forecast
Volatility	24.8%
Value at Risk 5%th	41.0%
Relative Tail Risk	0.74%

Reward TTM
Sharpe Ratio	0.55
Alpha	-0.19
CAGR/Max DD	0.93

Character TTM
Hurst Exponent	0.567
Beta	1.401
Beta Downside	1.641

Drawdowns 3y
Max DD	34.67%
Mean DD	6.54%
Median DD	4.01%

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.

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (663.4m TTM) > 0 and > 6% of Revenue (6% = 367.3m TTM)

FCFTA 0.03 (>2.0%) and ΔFCFTA 3.27pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -465.0% (prev -458.4%; Δ -6.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.03 (>3.0%) and CFO 1.43b > Net Income 663.4m (YES >=105%, WARN >=100%)

Net Debt (-530.9m) to EBITDA (912.6m) ratio: -0.58 <= 3.0 (WARN <= 3.5)

Current Ratio 0.15 (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 85.39% (prev 82.19%; Δ 3.20pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 15.19% (prev 14.61%; Δ 0.58pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.97 (EBITDA TTM 912.6m / Interest Expense TTM 853.7m) >= 6 (WARN >= 3)

Altman Z'' -3.92

(A) -0.68 = (Total Current Assets 5.06b - Total Current Liabilities 33.53b) / Total Assets 41.69b

(B) 0.10 = Retained Earnings (Balance) 3.96b / Total Assets 41.69b

(D) 0.11 = Book Value of Equity 3.95b / Total Liabilities 35.93b

Total Rating: -3.92 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.91

1. Piotroski 6.50pt

2. FCF Yield 10.54%

3. FCF Margin 22.27%

4. Debt/Equity 0.54

5. Debt/Ebitda -0.58

6. ROIC - WACC (= 0.89)%

7. RoE 11.75%

8. Rev. Trend 84.94%

9. EPS Trend -9.68%

What is the price of SF shares?

As of December 19, 2025, the stock is trading at USD 124.95 with a total of 790,941 shares traded.
Over the past week, the price has changed by -5.08%, over one month by +7.38%, over three months by +8.53% and over the past year by +24.22%.

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	132.4	5.9%
Analysts Target Price	132.4	5.9%
ValueRay Target Price	154.6	23.7%

SF Fundamental Data Overview December 18, 2025

Market Cap USD = 13.04b (13.04b USD * 1.0 USD.USD)
P/E Trailing = 22.5805
P/E Forward = 18.7617
P/S = 2.4626
P/B = 2.5751
P/EG = 2.2622
Beta = 1.144
Revenue TTM = 6.12b USD
EBIT TTM = 829.4m USD
EBITDA TTM = 912.6m USD
Long Term Debt = 672.2m USD (from longTermDebt, last quarter)
Short Term Debt = 1.55b USD (from shortTermDebt, last quarter)
Debt = 3.08b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -530.9m USD (from netDebt column, last quarter)
Enterprise Value = 12.93b USD (13.04b + Debt 3.08b - CCE 3.18b)
Interest Coverage Ratio = 0.97 (Ebit TTM 829.4m / Interest Expense TTM 853.7m)
FCF Yield = 10.54% (FCF TTM 1.36b / Enterprise Value 12.93b)
FCF Margin = 22.27% (FCF TTM 1.36b / Revenue TTM 6.12b)
Net Margin = 10.84% (Net Income TTM 663.4m / Revenue TTM 6.12b)
Gross Margin = 85.39% ((Revenue TTM 6.12b - Cost of Revenue TTM 894.3m) / Revenue TTM)
Gross Margin QoQ = 86.81% (prev 85.40%)
Tobins Q-Ratio = 0.31 (Enterprise Value 12.93b / Total Assets 41.69b)
Interest Expense / Debt = 6.65% (Interest Expense 205.2m / Debt 3.08b)
Taxrate = 26.11% (74.7m / 286.0m)
NOPAT = 612.9m (EBIT 829.4m * (1 - 26.11%))
Current Ratio = 0.15 (Total Current Assets 5.06b / Total Current Liabilities 33.53b)
Debt / Equity = 0.54 (Debt 3.08b / totalStockholderEquity, last quarter 5.76b)
Debt / EBITDA = -0.58 (Net Debt -530.9m / EBITDA 912.6m)
Debt / FCF = -0.39 (Net Debt -530.9m / FCF TTM 1.36b)
Total Stockholder Equity = 5.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 663.4m / Total Assets 41.69b)
RoE = 11.75% (Net Income TTM 663.4m / Total Stockholder Equity 5.64b)
RoCE = 13.13% (EBIT 829.4m / Capital Employed (Equity 5.64b + L.T.Debt 672.2m))
RoIC = 10.88% (NOPAT 612.9m / Invested Capital 5.64b)
WACC = 9.98% (E(13.04b)/V(16.12b) * Re(11.18%) + D(3.08b)/V(16.12b) * Rd(6.65%) * (1-Tc(0.26)))
Discount Rate = 11.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.57%
[DCF Debug] Terminal Value 71.93% ; FCFE base≈818.6m ; Y1≈1.01b ; Y5≈1.72b
Fair Price DCF = 174.4 (DCF Value 17.76b / Shares Outstanding 101.8m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -9.68 | EPS CAGR: -3.51% | SUE: 0.22 | # QB: 0
Revenue Correlation: 84.94 | Revenue CAGR: 4.88% | SUE: 0.91 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.16 | Chg30d=-0.015 | Revisions Net=-1 | Analysts=6
EPS next Year (2026-12-31): EPS=9.62 | Chg30d=+0.038 | Revisions Net=+0 | Growth EPS=+32.1% | Growth Revenue=+11.4%

Additional Sources for SF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle