Stocks · Financial Services · Investment - Banking & Investment Services
Stifel Financial Corp SF
$70.28 -0.09% Close, Oct 2, 2026 · NYSE · Market cap $10.65B
Inexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 24.5% from 12.7% a year earlier.
- Diluted EPS over the last four quarters was $8.48, up 64.3% year over year.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +5.9%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth55Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 34%
- EPS growth (TTM, YoY)Top 17%
- FCF growth (TTM, YoY)Bottom 9%
- Revenue growth, 3-year CAGRBottom 35%
- Revenue growth accelerationTop 27%
Quality77Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 6%
- Gross marginTop 9%
- Operating marginTop 42%
- Cash conversion (OCF / net income)Bottom 24%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Top 19%
- Interest coverTop 30%
Value87Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 10%
- Free-cash-flow yieldBottom 32%
- EBITDA / enterprise valueTop 8%
- Sales / enterprise valueTop 17%
- P/E vs own 5-year history (lower is better)Top 36%
Momentum21Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 47%
- 6-month returnBottom 14%
- 1-year return vs S&P 500Bottom 26%
- Distance from 52-week highBottom 22%
- Trend checklist (0–4)Bottom 27%
Revisions83Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 44%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyTop 36%
- Upside to consensus price targetTop 22%
Stability35Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsBottom 34%
- Beta vs S&P 500 (lower is better)Bottom 10%
- Net debt / EBITDA (lower is better)Top 19%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.6% | 12.0% | ↑ |
| EPS growth (YoY) | 48.6% | 64.3% | ↑ |
| Gross margin | 84.3% | 84.9% | ↑ |
| Operating margin | 12.7% | 24.5% | ↑ |
| FCF margin | 16.1% | 6.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 12.0% | 9.6% | ↑ | Top 34% |
| EPS growth (TTM, YoY) | 64.3% | 48.6% | ↑ | Top 17% |
| Gross margin | 84.9% | 84.3% | ↑ | Top 9% |
| Operating margin | 24.5% | 12.7% | ↑ | Top 42% |
| Net margin | 14.3% | 10.2% | ↑ | — |
| Free-cash-flow margin | 6.3% | 16.1% | ↓ | — |
| Return on invested capital | 20.0% | — | Top 6% | |
| Revenue growth, 3-year CAGR | 11.6% | — | Bottom 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.47×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 6.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -111.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.78×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.05%
- Net buyback yield (TTM)
- 3.17%
- Shareholder yield
- 5.22%
- Share count change, 1 year
- +1.4%
- Share count change, 3-year CAGR
- -1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +5.9%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $90.00
- Target vs current price
- +28.1%
- Analysts with a rating
- 22
- Share rating Buy or Strong Buy
- 59%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +6.8% | +2.2% | +9.1% | +7.9% | — |
| Apr 22, 2026 | +5.1% | -6.0% | -5.0% | -11.7% | -6.2% |
| Jan 28, 2026 | +6.1% | -0.1% | -1.6% | -9.0% | -8.7% |
| Oct 22, 2025 | +5.7% | +3.8% | +4.6% | +3.9% | +15.4% |
| Jul 30, 2025 | +3.6% | +3.6% | +1.9% | +5.4% | +6.0% |
| Apr 23, 2025 | -60.7% | -3.9% | +0.1% | +12.9% | +27.8% |
| Jan 29, 2025 | +13.2% | +2.0% | -2.7% | -9.0% | -25.6% |
| Oct 23, 2024 | -37.5% | +0.7% | +4.2% | +12.6% | +15.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.42 | $1.33 | +6.8% | $1.45B |
| Apr 22, 2026 | $1.45 | $1.38 | +5.1% | $1.44B |
| Jan 28, 2026 | $1.75 | $1.65 | +6.1% | $1.56B |
| Oct 22, 2025 | $1.30 | $1.23 | +5.7% | $1.43B |
| Jul 30, 2025 | $1.14 | $1.10 | +3.6% | $1.28B |
| Apr 23, 2025 | $0.42 | $1.07 | -60.7% | $1.26B |
| Jan 29, 2025 | $2.23 | $1.97 | +13.2% | $1.58B |
| Oct 23, 2024 | $1.00 | $1.60 | -37.5% | $1.22B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.3× | 9.8× | 38th | Top 10% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 5.4× | — | — | Top 8% |
| EV / Sales | 1.39× | — | — | Top 17% |
| Free-cash-flow yield | 3.92% | — | — | Bottom 32% |
| Earnings yield | 12.07% | — | — | Top 10% |
P/E over the past five years
Range 6.2× – 14.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -5.7%
- Earnings per share growth (TTM)
- +64.3%
- Change in P/E multiple
- -31.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.1%
- 200-day average slope (20 days)
- -0.9%
- Distance from 50-day average
- -11.5%
- Distance from 200-day average
- -9.8%
- RSI (14)
- 26.5
- Relative volume
- 1.02×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.4%
- Volatility vs own 5-year history
- 21th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.29
- Correlation with S&P 500
- 0.65
- Current drawdown from 1-year high
- -20.9%
- Maximum drawdown, 3 years
- -35.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 8, 2022 | Oct 20, 2022 | -37.1% | 176 days | 385 days (May 3, 2024) |
| Nov 25, 2024 | Apr 8, 2025 | -35.0% | 90 days | 138 days (Oct 24, 2025) |
| Jan 6, 2026 | Jun 29, 2026 | -23.4% | 119 days | Not yet recovered |
| May 6, 2021 | Jun 18, 2021 | -15.4% | 30 days | 77 days (Oct 7, 2021) |
| Oct 25, 2021 | Dec 20, 2021 | -15.2% | 39 days | 29 days (Feb 1, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $10.65B
- P/E (TTM)
- 8.3
- EPS, diluted (TTM)
- $8.48
- Revenue (TTM)
- $6.68B
- Dividend yield
- 2.11%
- 52-week range
- $67.81 – $89.83
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $4.72B | $4.54B | $5.10B | $5.89B | $6.30B |
| Gross profit | $4.69B | $4.30B | $4.27B | $4.88B | $5.45B |
| Operating income | $1.07B | $885.1M | $706.7M | $928.4M | $871.1M |
| Net income | $824.9M | $662.2M | $522.5M | $731.4M | $683.8M |
| EPS (diluted) | $6.66 | $5.32 | $4.28 | $6.25 | $5.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.46B | $1.58B | $1.45B | $1.47B | $1.62B | $1.75B | $1.67B | $1.64B |
| Net income | $158.5M | $244.0M | $53.0M | $155.1M | $211.4M | $264.4M | $251.4M | $226.5M |
| EPS (diluted) | $1.34 | $2.09 | $0.39 | $1.34 | $1.84 | $2.31 | $2.28 | $2.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $872.1M | $1.16B | $499.3M | $490.4M | $1.26B |
| Capital expenditure | -$188.2M | -$82.3M | -$52.0M | -$73.8M | -$62.1M |
| Free cash flow | $683.9M | $1.08B | $447.4M | $416.6M | $1.20B |
| Dividends paid | -$66.3M | -$133.7M | -$163.0M | -$190.0M | -$206.3M |
| Net share buybacks | -$172.7M | -$105.8M | -$443.9M | -$144.1M | -$245.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.72B
- Total assets
- $44.91B
- Total liabilities
- $38.90B
- Total debt
- $839.6M
- Net debt
- -$1.35B
- Shareholders’ equity
- $6.01B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.34 | Sep 15, 2026 |
| Jun 1, 2026 | $0.34 | Jun 15, 2026 |
| Mar 2, 2026 | $0.34 | Mar 16, 2026 |
| Dec 1, 2025 | $0.46 | Dec 15, 2025 |
| Sep 2, 2025 | $0.46 | Sep 16, 2025 |
| Jun 2, 2025 | $0.46 | Jun 16, 2025 |
| Mar 3, 2025 | $0.46 | Mar 17, 2025 |
| Dec 2, 2024 | $0.42 | Dec 16, 2024 |
Short interest
- Shares sold short
- 4,702,543
- Days to cover
- 4.99
- Change vs previous report
- +7.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 27, 2026
- 3-for-2
- Dec 17, 2020
- 3-for-2
- Apr 6, 2011
- 3-for-2
- Jun 13, 2008
- 3-for-2
- Sep 16, 2004
- 4-for-3