Stifel Financial Corp.
Stifel Financial Corp. Fundamental Analysis
Stifel Financial Corp. (SF) shows moderate financial fundamentals with a PE ratio of 17.91, profit margin of 10.86%, and ROE of 12.11%. The company generates $6.2B in annual revenue with strong year-over-year growth of 15.28%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SF's fundamental strength across five key dimensions:
Efficiency Score
WeakSF struggles to generate sufficient returns from assets.
Valuation Score
ModerateSF shows balanced valuation metrics.
Growth Score
ExcellentSF delivers strong and consistent growth momentum.
Financial Health Score
ModerateSF shows balanced financial health with some risks.
Profitability Score
WeakSF struggles to sustain strong margins.
Key Financial Metrics
Is SF Expensive or Cheap?
P/E Ratio
SF trades at 17.91 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SF's PEG of 4.93 indicates potential overvaluation.
Price to Book
The market values Stifel Financial Corp. at 2.13 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.57 times EBITDA. This signals the market has high growth expectations.
How Well Does SF Make Money?
Net Profit Margin
For every $100 in sales, Stifel Financial Corp. keeps $10.86 as profit after all expenses.
Operating Margin
Core operations generate 13.83 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.11 in profit for every $100 of shareholder equity.
ROA
Stifel Financial Corp. generates $1.64 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Stifel Financial Corp. produces operating cash flow of $1.42B, showing steady but balanced cash generation.
Free Cash Flow
Stifel Financial Corp. generates strong free cash flow of $1.35B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $13.26 in free cash annually.
FCF Yield
SF converts 11.22% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.93
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.13
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.93
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.54
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How SF Stacks Against Its Sector Peers
| Metric | SF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.91 | 18.86 | Neutral |
| ROE | 12.11% | 847.00% | Weak |
| Net Margin | 10.86% | 4202.00% | Weak |
| Debt/Equity | 0.54 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.15 | 667.17 | Weak Liquidity |
| ROA | 1.64% | -21543.00% (disorted) | Weak |
SF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Stifel Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
87.43%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
69.27%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-18.81%
Industry Style: Value, Dividend, Cyclical
Declining