SF Stifel Financial Corp
$67.24
▼ 2.1%Updated Oct 16, 2:25 PM ET
Report Card
SF at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: 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.
Price — Past Year
▲ Up 2.5% in the year to Jul 6, 2026
Key Metrics
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
Business Overview
Stifel Financial Corp (SF) is a large-cap NYSE-listed company in the Financial Services industry, within the Financials sector, 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.
Economic Moat
Evidence of durable competitive advantage in the filed financials (10 years of history).
Profit margins and economic moats, explainedThe 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 (Educational)
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 $67.24, below its 50-day average ($73.40) and 200-day average ($77.81). Price below both averages is a downtrend — momentum is against buyers for now.
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 (~2.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, SF found buyers near $67.81 (support) and sellers near $75.29 (resistance); its 52-week range then was $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. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
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.
Profitability
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.
Debt Analysis
Total Debt
$617.86M
Net Debt
-$1.57B
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 $617.86M of total debt against $2.19B of cash.
Cash Flow Analysis
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.
Valuation Analysis
P/E
12.81x
P/S
1.77x
P/B
2.15x
EV / EBITDA
9.75x
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.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$344.85
Current price
$67.24
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.
Metrics vs. Sector Range
Where SF sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How SF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, SF ranks #120 by our overall rating. It trades at roughly in line versus the sector on earnings (12.8x P/E vs. 14.9x 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 14.9x
ROE vs sector
15.1%
median 13.6%
Growth vs sector
9.0%
median 15.9%
Sector rank
#120
of 141 rated
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, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$51.49 – $83.66
vs. $67.24 today · implied 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 | $4.56 | $4.97 | $5.42 | $5.90 | $6.44 |
| Share price (low) | $36.47 | $39.76 | $43.33 | $47.23 | $51.49 |
| Share price (high) | $59.27 | $64.60 | $70.42 | $76.76 | $83.66 |
| CAGR (low–high) | -46% / -12% | -23% / -2% | -14% / 2% | -8% / 3% | -5% / 4% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions.
Bull Case
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.
Bear Case
The case against SF:
- Elevated leverage (debt/equity 5.3x) adds financial risk.
- Interest coverage is thin (1.1x), so debt costs bite.
Key Risks
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.
Investment Thesis
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.
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. How to read a 10-K
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 starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. 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.