Stifel Financial (SF) AI Stock Analysis

• Market Cap: $12.21B
• Dividend Yield: 1.51%
• Average Volume (3M): 811.00K
• Price to Earnings (P/E): 21.1
• Beta (1Y): 1.29
• Revenue Growth: 7.54%
• EPS Growth: 2.73%
• Country: US
• Employees: 8,887
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 1.95
• Shares Outstanding: 102,173,410
• 10 Day Avg. Volume: 827,625
• 30 Day Avg. Volume: 810,999
• PEG Ratio: 0.32
• Price to Book (P/B): 1.94
• Price to Sales (P/S): 1.86
• P/FCF Ratio: 26.50
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 2.05
• Enterprise Value/Gross Profit: 4.41
• Enterprise Value/Ebitda: 10.12
• 1Y Price Target: $131.83
• Price Target Upside: 9.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): 7.28
• Revenue Forecast (FY): $5.44B

• Rating: 76 Outperform
• Price Target: $135.00 ▲(12.43% Upside)

Stifel Financial's strong financial performance, particularly in revenue growth and profitability, combined with positive earnings call highlights, contribute significantly to its score. Technical indicators support a bullish outlook, though valuation concerns slightly temper the overall assessment. The absence of notable corporate events keeps the focus on core financial and market performance.

Positive Factors

Revenue Growth

Record revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Diversified Revenue Model

A shift to fee-based revenue enhances predictability and reduces volatility, providing a stable income stream across economic cycles.

Strong Balance Sheet

Low leverage indicates financial prudence, offering flexibility for future investments and resilience against economic downturns.

Negative Factors

Operational Efficiency Challenges

Negative EBIT margin points to inefficiencies that could hinder profitability and require strategic adjustments for improvement.

Declining Free Cash Flow

Declining free cash flow growth may limit the company's ability to reinvest in growth opportunities and manage financial obligations.

Regulatory Challenges

Regulatory challenges can disrupt operations and strategic initiatives, potentially affecting revenue and growth prospects.

Stifel Financial Business Overview & Revenue Model

Company Description

Stifel Financial Corp., a financial services and bank holding company, provides retail and institutional wealth management, and investment banking services to individual investors, corporations, municipalities, and institutions in the United States, the United Kingdom, the rest of Europe, and Canada. It operates in three segments: Global Wealth Management, Institutional Group, and Other. The company provides private client services, including securities transaction and financial planning services; institutional equity and fixed income sales, trading and research, and municipal finance services; investment banking services, such as mergers and acquisitions, public offerings, and private placements; and retail and commercial banking services comprising personal and commercial lending programs, as well as deposit accounts. It also participates in and manages underwritings for corporate and public finance; and offers financial advisory and securities brokerage services. The company was founded in 1890 and is headquartered in St. Louis, Missouri.

How the Company Makes Money

Stifel Financial generates revenue through multiple key streams. Primarily, it earns income from Wealth Management services, which include commissions from trading, advisory fees from managed accounts, and performance-based fees. The Institutional Group contributes to revenue through trading and underwriting services, while the Investment Banking segment generates fees from advisory services related to mergers and acquisitions, public offerings, and private placements. Additionally, Stifel has strategic partnerships and alliances that enhance its service offerings, and it benefits from a network of offices and advisors that expand its market reach. Overall, the company's diversified revenue model helps mitigate risks associated with market fluctuations and provides steady income across various economic conditions.

Stifel Financial Financial Statement Overview

Summary

Stifel Financial shows strong revenue and cash flow growth, but faces challenges in operational efficiency with a negative EBIT margin. The balance sheet is stable, but profitability and cash conversion efficiency need improvement.

Income Statement

Stifel Financial's income statement shows a mixed performance. The company has experienced strong revenue growth in the TTM period, with a 43.8% increase, indicating robust business expansion. However, the EBIT margin is negative, suggesting operational challenges. The gross profit margin is healthy at 64.37%, but the net profit margin has decreased compared to the previous year, indicating pressure on profitability.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.55 in the TTM period. The return on equity is reasonable at 10.91%, though slightly lower than the previous year, indicating a slight decline in efficiency. The equity ratio remains stable, suggesting a balanced capital structure.

Cash Flow

Cash flow analysis shows a positive trend in free cash flow growth at 18.52% in the TTM period, indicating improved cash generation. However, the operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 93.96%, highlighting efficient cash utilization.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.97B	5.95B	5.16B	4.58B	4.79B	3.83B
Gross Profit	2.77B	4.94B	4.27B	4.30B	4.66B	3.70B
EBITDA	1.21B	1.18B	936.84M	1.08B	1.24B	0.00
Net Income	211.82B	731.38M	522.54M	662.15M	824.86M	503.47M
Balance Sheet
Total Assets	41.69T	39.90B	37.73B	37.20B	34.05B	26.60B
Cash, Cash Equivalents and Short-Term Investments	4.87B	3.00B	3.36B	3.84B	4.08B	4.51B
Total Debt	858.35M	1.54B	2.92B	1.17B	1.17B	1.17B
Total Liabilities	35.93B	34.21B	32.43B	31.87B	29.01B	22.37B
Stockholders Equity	5.76B	5.69B	5.29B	5.33B	5.03B	4.24B
Cash Flow
Free Cash Flow	703.58M	416.65M	447.35M	1.08B	683.92M	1.59B
Operating Cash Flow	769.61M	490.44M	499.33M	1.16B	872.09M	1.66B
Investing Cash Flow	-1.78B	-2.31B	1.04B	-4.32B	-6.97B	-1.69B
Financing Cash Flow	1.55B	980.10M	-254.58M	3.19B	5.79B	1.20B

Stifel Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 120.07
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SF, the sentiment is Positive. The current price of 120.07 is above the 20-day moving average (MA) of 115.13, above the 50-day MA of 114.17, and above the 200-day MA of 103.95, indicating a bullish trend. The MACD of 1.93 indicates Negative momentum. The RSI at 65.48 is Neutral, neither overbought nor oversold. The STOCH value of 75.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SF.

Stifel Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SF	76 Outperform	$12.21B	21.10	11.73%	1.51%	7.54%	2.73%
EVR	76 Outperform	$11.49B	23.73	31.39%	1.12%	27.00%	63.47%
PIPR	71 Outperform	$5.77B	24.59	19.30%	1.77%	12.77%	36.43%
HLI	70 Outperform	$12.52B	28.91	20.29%	1.18%	20.99%	25.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LAZ	64 Neutral	$4.71B	19.70	36.41%	4.04%	1.58%	1.93%
JEF	49 Neutral	$10.93B	18.26	6.29%	2.91%	-5.41%	25.28%

Stifel Financial Corporate Events

Stifel Financial’s Earnings Call Highlights Robust Growth

Stifel Financial’s recent earnings call painted a picture of robust growth and optimism, underscored by record-breaking revenues and strong performances across various divisions. Despite facing some regulatory and market challenges, the firm expressed confidence in its future trajectory.

Stifel Financial Reports Record Q3 2025 Revenues

Stifel Financial Corp., a financial services holding company based in St. Louis, Missouri, operates through its subsidiaries to provide banking, securities, and financial services, including brokerage, investment banking, and advisory services to a diverse clientele.

Stifel Financial Reports Record High Client Assets

On September 25, 2025, Stifel Financial Corp. reported its operating results for August 31, 2025, highlighting record highs in total and fee-based client assets, which increased by 9% and 14% year-over-year, respectively. The growth was attributed to strong recruiting and market gains, alongside a 6% month-over-month increase in treasury deposits that offset a decline in client money market and insured product balances. The company anticipates a stronger second half of the year for its Institutional Group, driven by improvements in the capital raising and M&A environment.

The most recent analyst rating on (SF) stock is a Hold with a $118.00 price target. To see the full list of analyst forecasts on Stifel Financial stock, see the SF Stock Forecast page.

Stifel Financial Reports Strong Asset and Deposit Growth

On August 28, 2025, Stifel Financial Corp. reported its operating results for July 31, 2025. The company experienced significant growth in total client assets and fee-based client assets, increasing by 9% and 14% year-over-year, respectively. Treasury deposits surged by 87%, offsetting declines in client money market and insured product balances, while bank loans rose by 1%, driven by increased fund banking and residential lending. This performance highlights Stifel’s strong market position and resilience in asset and deposit growth.

The most recent analyst rating on (SF) stock is a Buy with a $127.00 price target. To see the full list of analyst forecasts on Stifel Financial stock, see the SF Stock Forecast page.