SF
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MASTER
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ESEN VERDICT
Analyzing…
Horizon6–12M
Confidence—
Data coverage—
SNAPSHOT
Ticker
SF
Company
Stifel Financial Corp
Sector
Financial Services
Market Cap
$12.75B
Current Price
$85.68
52W Range
$67.81–$89.83
Day Change
+0.87%
52W Return
+10.57%
EARNINGS MOMENTUM
Key Metrics: EPS Growth YoY (TTM) 15.73% | Revenue Growth YoY 11.0% | Forward P/E 11.93x | PEG Ratio 1.19
| Metric | Value | Assessment |
|---|---|---|
| EPS Growth YoY (TTM) | 15.73% | Strong double-digit earnings expansion |
| Revenue Growth YoY | 11.0% | Solid organic revenue growth |
| Forward P/E | 11.93x | Attractive forward valuation; implies ~8.4% earnings yield |
| Trailing P/E | 18.65x | Moderate; reasonable for financial services + growth rate |
| PEG Ratio | 1.19 | Growth priced fairly; PEG >1.0 indicates growth premium justified |
| Current EPS (TTM) | $5.82 | Strong profitability per share |
Earnings Momentum Score: 7.2/10 — SF exhibits solid earnings growth (15.73% YoY) with healthy revenue expansion (11.0% YoY). Forward P/E of 11.93x and PEG of 1.19 suggest earnings growth is reasonably priced. Growth trajectory is positive but earnings visibility is constrained due to lack of disclosed guidance and upcoming earnings date.
PROFITABILITY & QUALITY
Coverage Status: Gross Margin, Operating Margin, Net Margin, ROE, ROIC, and FCF not disclosed in current data. Assessment based on available metrics only.
| Metric | Value | Interpretation |
|---|---|---|
| Dividend Yield | 1.59% | Modest but stable income stream; typical for financial services |
| Dividend Per Share (TTM) | $1.59 | Consistent shareholder returns |
| Beta | 1.02 | Market-level volatility; stable risk profile vs. S&P 500 |
| Flag: Hyper Growth | TRUE | System identifies hyper-growth characteristics (15.73% EPS growth) |
| Flag: Strong Profitability | FALSE | Profitability metrics not flagged as exceptional; margin data not available |
Quality Score: 5.8/10 — Limited visibility into margin structure and returns on capital. The hyper-growth flag and stable dividend yield suggest underlying operational strength, but without access to gross/operating/net margins, ROE, and FCF, quality assessment is constrained. Financial Services companies typically operate with lower margins but strong capital efficiency; further disclosure needed.
BALANCE SHEET HEALTH
Data Status: Cash, Total Debt, Net Debt, Current Assets, Current Liabilities not disclosed. Coverage constrained.
| Metric | Status | Note |
|---|---|---|
| Cash Position | Not Disclosed | Typically critical for financial services firms; data unavailable |
| Total Debt | Not Disclosed | Leverage assessment not possible with current data |
| Net Debt / EBITDA | Not Disclosed | Solvency & refinancing risk not assessable |
| Current Ratio | Not Disclosed | Liquidity stress-test unavailable |
| Flag: Weak Balance | FALSE | System does not flag material balance sheet weakness |
Balance Sheet Risk: MODERATE (Unable to Assess) — The absence of balance sheet data prevents detailed solvency, liquidity, and leverage analysis. The "Weak Balance" flag is FALSE, suggesting no acute red flags, but institutional-grade assessment requires cash position, debt levels, and current ratios. Recommend reviewing latest 10-Q/10-K for detailed capitalization and liquidity metrics.
VALUATION ANALYSIS
| Metric | SF Value | Assessment |
|---|---|---|
| Trailing P/E | 18.65x | Moderate; slightly above long-term average for financial services (14–17x) |
| Forward P/E | 11.93x | Attractive — Forward earnings multiple suggests 20–25% earnings decline or near-term headwinds priced in |
| PEG Ratio | 1.19 | Fair value; growth-adjusted valuation neither cheap nor expensive |
| EV / Enterprise Value | $12.75B | Significant mid-cap financial services player |
| Dividend Yield | 1.59% | Income yield modest relative to 10-year Treasury (~4.0%); growth component required |
| Price Target | Not Disclosed | Analyst consensus target unavailable |
| 52-Week Range | $67.81–$89.83 | Current price $85.68 in upper quartile; near 52W high |
Valuation Status: MODERATE — FAIRLY VALUED — Trailing P/E of 18.65x is reasonable for 15.73% earnings growth. Forward P/E of 11.93x suggests valuation reset likely; modest upside/downside from current levels. PEG of 1.19 indicates growth priced rationally. Stock trades near 52W highs; limited margin of safety at current price. Fair value appears $75–$88 range.
ANALYST TARGETS & SENTIMENT
| Metric | Value | Interpretation |
|---|---|---|
| Consensus Rating | Not Disclosed | Coverage constrained; rating unavailable |
| Target Price (Mean) | Not Disclosed | No consensus average target available |
| Target High / Low | Not Disclosed | Bull/bear case targets not published in current dataset |
| Implied Upside | Not Calculated | Derivable once consensus target disclosed |
| Dispersion (Std Dev) | Not Available | Analyst disagreement measure unavailable |
| Number of Analysts | Not Disclosed | Coverage depth unknown |
Wall Street Sentiment: NEUTRAL (Data Constrained) — Analyst target price, consensus rating, and sentiment indicators are not disclosed in current dataset. Without consensus, upside/downside cannot be assessed. Recommend checking earnings call transcripts, equity research reports, and Bloomberg consensus for current institutional positioning and price targets.
INSTITUTIONAL & RISK CHECK
| Risk Category | Status | Detail |
|---|---|---|
| Institutional Ownership | Not Disclosed | Ownership trend and lock-up periods unavailable |
| Insider Activity | Not Disclosed | Form 4 filings and insider buy/sell ratios not in dataset |
| Short Interest | Not Disclosed | Short float, borrow rate, and squeeze risk not assessable |
| Red Flags: High Valuation | FALSE | System does not flag excessive valuation |
| Red Flags: Weak Balance | FALSE | No balance sheet red flags detected |
| Earnings Date | Not Disclosed | Next earnings release date unknown; timing risk present |
| Dividend Risk | Low | 1.59% yield and $1.59/share appears stable; payment not at risk |
| Sector Cyclicality | Moderate–High | Financial services tied to interest rates, credit spreads, M&A activity |
Risk Level: MODERATE — No acute red flags (valuation, balance sheet both clear). Key risks: (1) Earnings date unknown; event risk present. (2) Financial services sector cyclicality (rates, spreads, M&A volumes). (3) Limited visibility into institutional ownership and insider activity. (4) Forward P/E discount suggests near-term earnings headwinds may be priced in. Recommend monitoring interest rate environment and capital markets activity.
ESEN FUNDAMENTAL VERDICT
65
Overall Fundamental Score: 65/100
MODERATE BUY — Fairly Valued with Growth Potential
Conviction Level
MEDIUM (6/10)
Data Quality
CONSTRAINED
60% coverage
60% coverage
Confidence Horizon
3–6 Months
(pending guidance)
(pending guidance)
Time Horizon Assessment
Short Term (1–3M)
HOLD — Near 52W highs; limited margin of safety. Monitor earnings date for catalyst.
Medium Term (6–12M)
BUY — 15.73% EPS growth, 11.0% revenue growth attractive if rates stable. Target: $85–$95.
Long Term (2Y+)
BUY — Strong earnings trajectory, hyper-growth flag, stable dividend. Target: $100–$110.
Summary & Key Takeaways
- Earnings Momentum (7.2/10): Robust 15.73% YoY EPS growth + 11% revenue growth. Forward P/E of 11.93x signals market pricing in earnings moderation; fairly valued for growth rate.
- Valuation (Moderate): Trailing P/E 18.65x, PEG 1.19; no high-valuation red flag. Stock at $85.68 near 52W high ($89.83) limits upside in near term. Fair value $75–$88.
- Quality & Profitability (5.8/10): Hyper-growth flag confirmed. Dividend yield 1.59% stable. However, margin structure & ROE not disclosed; quality assessment constrained. Balance sheet not flagged as weak.
- Data Gaps (Critical): Missing: balance sheet detail, analyst targets, upcoming earnings date, margin profiles, FCF. Recommend 10-Q/10-K review and earnings call attendance for full assessment.
- Recommendation: HOLD / ACCUMULATE on dips below $80. Growth trajectory solid; valuation fair. Lack of margin of safety at current levels + data constraints warrant cautious entry. Better opportunity if stock corrects to $75–$78 range.
AI STOCK INSIGHT
SF Stock Analysis & Forecast
Is SF a Good Investment in 2026?
Our model indicates a neutral outlook based on current fundamentals and momentum.
SF Stock Forecast
Based on recent earnings trends, valuation metrics, and sector performance, SF shows balanced risk-reward characteristics.
Should You Buy SF Now?
Investors should consider market conditions, volatility, and long-term positioning before taking a position in SF.