Stock Analysis
Stifel Financial Corp.SF
P/E 11.13×· 5Y range 7.80–23.42×· bottom 24% of history
Sector: Financial Services · Industry: Security Brokers, Dealers & Flotation Companies
AnalystsBuy16 analystsP/E 11.1× sits at the 24th percentile of its 5.0513347022587265-year history.
Cash covers 70% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability72
- Quality68
Risks
- Growth24
- Financial Health26
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓ROE 15.2% — efficient capital deployment
- ✓P/E 11.1× at bottom 24% of 5-year history
What's happening with SF
Profile
Strong valuation; growth and financial health lag behind.
How is each axis scored?
- Valuation82/100 · Strong
- P/E vs own history (24th pct)20/25
- FCF yield (3.5%)12/25
- P/S (1.5x)25/25
- EV/EBIT (9.2x)25/25
- Growth24/100 · Weak
- Revenue CAGR (7.3%)12/25
- Net income CAGR (-5.9%)0/25
- EPS CAGR 5Y (-4.1%)0/25
- Fwd implied growth (7.3%)12/25
- Profitability72/100 · Moderate
- ROIC (13.8%)12/25
- ROE (15.2%)20/25
- Net margin (13.7%)20/25
- Operating margin (18.2%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.43)3/25
- Current ratio (0.12)0/25
- Interest coverage (1.7x)3/25
- Net cash / debt (D/A 2%)20/25
- Quality68/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.44)20/25
- FCF conversion (39%)8/25
- Margin stability (σ 4.5%)25/25
- Moat50/100 · Moderate
- ROIC >12% years (7/10 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (9/10 yrs)18/25
- Worst-year net margin (worst 3.1%)12/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Interest coverage 1.7× — thin debt cushion
About Stifel Financial Corp.
Stifel Financial is a diversified financial-services provider that generates revenue from wealth management, investment banking, and lending. Show more
The firm was founded in 1890 as a Saint Louis-based full-service brokerage but has been transformed under CEO Ronald Kruszewski through a slew of acquisitions into a globally competitive wealth manager, investment bank, and retail and institutional brokerage. The firm generated $5.5 billion in revenue in 2025, with roughly two-thirds derived from wealth management and one-third derived from trading and investment banking.
Headquarters: ST. LOUIS, MO · Employees: 9,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
82AP/E (TTM)11.1xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.8x–23.4x · 24th pct
P/FCF13.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield3.5%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.8%–21.0% · 9th pct
P/S (TTM)1.52xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.3x–2.8x · 23rd pct
EV/EBIT9.2xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.2x–12.5x · lowest in history
EV/Sales6.5xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.70xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.20A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.50%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio26.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC13.8%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.2%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA2.2%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin13.7%A
Grade A: HighNet Income / Revenue
Operating Margin18.2%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin99.1%A
Grade A: PremiumGross Profit / Revenue
FCF Margin5.4%D
Grade D: LowFCF / Revenue
True FCF Margin2.7%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
24ERevenue CAGR7.3%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-5.9%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-4.1%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth7.3%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-14.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income19.9%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue2.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.43D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.12xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.12xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.7xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment2.6yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.8xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.52xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.70xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
68BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.44A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion39.4%D
Grade D: PoorFCF / Net Income
Margin Stability4.5%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.16xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Brown Maryam S. Filed | Brown Maryam S. | SellOpen market sale | -2200 | |
Brown Maryam S. Filed | Brown Maryam S. | SellOpen market sale | -2500 | |
Carnoy Lisa Landau Filed | Carnoy Lisa Landau | Grant / award | +2.5K | |
Kavanaugh James P. Filed | Kavanaugh James P. | Grant / award | +2.5K | |
Berlew Adam T. Filed | Berlew Adam T. | Grant / award | +2.5K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Brown Maryam S. Filed | Brown Maryam S. | Grant / award | +2.5K | |
Markus Maura A. Filed | Markus Maura A. | Grant / award | +2.5K | |
Nesi Victor Filed | Nesi Victor | Grant / award | +2.5K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years7/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor3.1%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$6.07
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$14.46
Cash & short-term investments per share (Finnhub)
Book Value / Share$39.67
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.13B
Total debt obligations (short + long term)
Cash & Equiv.$2.19B
Cash and short-term investments
Net Debt$935.40M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$6.01B
Shareholders' equity (book value)
Asset / Liability1.15xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$10.20B
Current Market Capitalization
Beta1.03B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Stifel Financial Corp. (SF)
SF is down 1.65% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Stifel Financial Corp.. Altman Z-Score of 0.43 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.44 suggests a low likelihood of earnings manipulation.
- Takes ~2.6 years to repay net debt from free cash flow.
- Interest coverage of 1.7× leaves little room for earnings shocks.
- At a valuation score of 82/100, SF trades near the cheapest end of its own historical range (P/E 11.1).
- The stock currently yields 2.5% in dividends.
See how SF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all SF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 14 | Regular | 67.69 | -2.88% | -2.29 |
| Oct 14 | After-hours | 67.80 | -2.73% | -2.14 |
| Sep 22 | After-hours | 73.18 | -3.35% | -2.36 |
Frequently Asked Questions about SF
What is the current Stifel Financial Corp. (SF) stock price?
SF is trading at $67.56 at the last market close, down 1.65% on the session. PreMarketPrice tracks SF pre-market, intraday and after-hours prices.
Is SF stock a buy right now?
PreMarketPrice's quantitative model rates Stifel Financial Corp.'s financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is SF stock overvalued?
Stifel Financial Corp. trades at a trailing P/E of 11.1 and our valuation score rates it 82/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Stifel Financial Corp. report earnings?
No confirmed earnings date is currently scheduled for SF. The Earnings section lists recent reports and updates as dates are announced.
What sector does Stifel Financial Corp. operate in?
Stifel Financial Corp. operates in the Financial Services sector, within the Security Brokers, Dealers & Flotation Companies industry. The Related Stocks section lists sector peers for comparison.
What does Stifel Financial Corp. do?
Stifel Financial is a diversified financial-services provider that generates revenue from wealth management, investment banking, and lending.
About Stifel Financial Corp. (SF) Stock
Stifel Financial Corp. (SF) is a US-listed stock operating in the Financial Services sector, specifically the Security Brokers, Dealers & Flotation Companies industry. As of the latest update, Stifel Financial Corp. is trading at $67.56, down 1.65% on the day with a market capitalization of $10.2 billion. The financial health score for SF is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for SF stock.
SF Stock Analysis & Key Metrics
On PreMarketPrice, you can track Stifel Financial Corp. (SF) across multiple dimensions:
- Pre-market price & movement: Real-time SF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for SF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Stifel Financial Corp. across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SF.
- Sector peers: Compare SF against 6 other financial services stocks on key financial metrics.
Is SF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Stifel Financial Corp. (SF) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Stifel Financial Corp. (SF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.