SF
Stifel Financial Corp
$77.38
▼ 0.1%Updated Today 3:42 PM ET
SF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 48/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 2.5% over the last 12 months
Market Cap
$11.22B
P/E
12.81x
Forward P/E (est.)
13.31x
ROE
15.1%
Revenue Growth
9.0%
EPS Growth
-3.8%
Profit Margin
13.5%
FCF Yield
6.7%
Debt / Equity
5.33x
ROIC
15.0%
Interest Coverage
1.14x
Current Ratio
—
Dividend Yield
1.9%
Implied Growth (rev. DCF)
-0.4%
Rating Score
48/100
Stifel Financial Corp (SF) is a large-cap company in the Financial Services industry, part of the Financials sector of the S&P 500, with a market value around $11.22B.
In its latest reported year it generated about $6.35B in revenue and $683.78M in net profit.
Our model rates SF Neutral (48/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
grew in 8 of the last 9 year-over-year periods
positive in 9 of 10 years
15.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what SF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. SF trades near $77.38, around its 50-day average ($73.40) and 200-day average ($77.81). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 56 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. SF's is $1.95 (~2.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month SF found buyers near $67.81 (support) and sellers near $75.29 (resistance); its 52-week range is $67.81–$89.83. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.2× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
7.3%
Revenue moved from $2.64B in 2016 to $6.35B in 2025, a 10.2% compound annual growth rate. The most recent year grew a steady 9.0% year over year. Slower, mature growth is common for established businesses.
Gross Margin
99.0%
Operating Margin
17.3%
Net Margin
10.8%
ROE
15.1%
Stifel Financial Corp keeps about 13.5% of each sales dollar as net profit, with a 99.0% gross margin and 17.3% operating margin. Return on equity is 15.1% and return on invested capital about 15.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$617.65M
Net Debt
-$2.28B
Net cash position
Net Debt / EBITDA
—
Debt / Equity
5.33x
Leverage: debt-to-equity is 5.3x, and operating profit covers interest about 1.1x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $617.65M of total debt against $2.90B of cash.
Operating CF
$1.12B
Free Cash Flow
$1.05B
FCF Margin
16.6%
In the latest year Stifel Financial Corp produced about $1.12B of operating cash flow and $1.05B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.7% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
12.81x
P/S
1.77x
P/B
2.15x
EV / EBITDA
9.04x
SF trades at 12.8x trailing earnings (about 13.3x on estimated forward earnings), 1.8x sales, and 2.1x book value. Reverse-engineering today's price implies the market expects roughly -0.4% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$344.85
Current price
$77.38
Starting FCF (latest 10-K)
$1.05B
Growth, years 1–5
9.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where SF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How SF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), SF ranks #119 of 289 by our overall rating. It trades at a discount versus the sector on earnings (12.8x P/E vs. 15.3x median) with a higher return on equity (15.1% vs. 13.6%) and slower revenue growth (9.0% vs. 15.9%).
P/E vs sector
12.8x
median 15.3x
ROE vs sector
15.1%
median 13.6%
Growth vs sector
9.0%
median 15.9%
Sector rank
#119
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $77.38 today · expected CAGR -5% – 4%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $6.92B | $7.54B | $8.22B | $8.96B | $9.77B |
| Net income | $761.07M | $829.57M | $904.23M | $985.61M | $1.07B |
| EPS | $5.25 | $5.72 | $6.23 | $6.79 | $7.41 |
| Share price (low) | $41.97 | $45.75 | $49.87 | $54.36 | $59.25 |
| Share price (high) | $68.21 | $74.35 | $81.04 | $88.33 | $96.28 |
| CAGR (low–high) | -46% / -12% | -23% / -2% | -14% / 2% | -8% / 3% | -5% / 4% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for SF:
- Strong return on equity (15.1%) shows capital is put to work well.
- Healthy free-cash-flow yield (~6.7%) funds buybacks and dividends.
The case against SF:
- Elevated leverage (debt/equity 5.3x) adds financial risk.
- Interest coverage is thin (1.1x), so debt costs bite.
Balance-sheet risk — debt/equity of 5.3x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Stifel Financial Corp is a large-cap financials business growing at a mature pace, with solid profitability, and a heavier debt load to watch. It trades at 12.8x earnings, which our model scores Neutral (48/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 16 Wall Street analysts covering SF recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
SF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
SF — frequently asked questions
Is SF a good stock to buy?
We don't give buy or sell advice. Our model rates Stifel Financial Corp Neutral (48/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is SF's rating on The Stocks School?
Stifel Financial Corp currently scores 48/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does SF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Stifel Financial Corp's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for SF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this SF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell SF. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.