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SFBStifel Financial Corporation 5.20% Senior Notes due 2047
$19.85$2.0B
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Stifel Financial Corporation 5.20% Senior Notes due 2047 (SFB) Financial Ratios

Latest Ratios: P/E Ratio 3.4x · EV/EBITDA 1.6x · ROE 12.0%. (2004–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

SFB Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Market Cap$2.0B$2.3B$2.3B$2.3B$2.4B$3.1B$3.0B$3.0B$2.5B$3.0B—
Enterprise Value$1.9B$2.2B$1.7B$1.2B$1.3B$3.3B$2.8B$4.2B$1.3B$3.0B—
P/E Ratio →3.383.543.274.803.793.926.327.016.5117.47—
P/S Ratio0.320.360.380.450.520.650.790.860.781.01—
P/B Ratio0.380.400.400.440.440.590.710.820.100.13—
P/FCF1.681.903.255.213.303.112.2029.314.442.88—
P/OCF1.601.812.944.672.962.622.0911.573.722.80—

P/E links to full P/E history page with 30-year chart

SFB EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
EV / Revenue—0.340.290.240.290.690.721.180.401.01—
EV / EBITDA1.651.881.461.311.252.673.355.191.765.59—
EV / EBIT1.802.301.571.431.342.813.625.571.866.09—
EV / FCF—1.822.462.741.873.322.0240.492.262.89—

SFB Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Gross Margin84.3%84.3%82.6%83.2%94.0%97.3%96.6%94.5%94.9%98.1%97.9%
Operating Margin16.8%16.8%18.4%16.6%22.0%24.5%19.9%21.3%21.4%16.7%2.2%
Net Profit Margin10.8%10.8%12.3%10.1%14.5%17.2%13.2%12.7%12.3%6.1%5.5%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
ROE12.0%12.0%13.3%9.8%12.5%17.4%12.7%3.1%1.6%0.8%1.3%
ROA1.7%1.7%1.9%1.4%1.9%2.7%1.9%3.4%35.1%37.3%2.0%
ROIC10.2%10.2%10.6%9.0%10.7%12.5%9.1%3.5%2.1%1.6%0.4%
ROCE2.6%2.6%2.8%2.3%2.8%4.0%2.9%5.8%64.1%114.8%0.8%

SFB Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Debt / Equity0.380.380.370.460.220.450.520.660.030.030.04
Debt / EBITDA1.871.871.802.581.091.912.683.021.161.466.18
Net Debt / Equity—-0.02-0.10-0.21-0.190.04-0.060.31-0.050.00-0.01
Net Debt / EBITDA-0.09-0.09-0.47-1.18-0.950.17-0.301.43-1.690.02-2.39
Debt / FCF—-0.09-0.79-2.47-1.430.21-0.1811.18-2.170.01—
Interest Coverage1.161.16————————0.86

Net cash position: cash ($2.3B) exceeds total debt ($2.2B)

SFB Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Current Ratio—————2.10—2.2536.9212.6915.61
Quick Ratio—————2.10—2.2536.9212.6915.61
Cash Ratio—————2.30—2.5139.4614.3416.86
Asset Turnover—0.150.150.140.120.140.140.141.826.123.99
Inventory Turnover———————————
Days Sales Outstanding———————————

SFB Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Dividend Yield———————————
Payout Ratio——31.1%38.3%25.8%12.4%14.6%13.2%11.2%12.6%2.7%

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Earnings Yield29.6%28.2%30.6%20.8%26.4%25.5%15.8%14.3%15.4%5.7%—
FCF Yield59.4%52.5%30.7%19.2%30.3%32.1%45.5%3.4%22.5%34.7%—
Buyback Yield12.1%——————————
Total Shareholder Yield12.1%——————————
Shares Outstanding—$110M$111M$113M$118M$119M$115M$118M$122M$122M$120M

Key Metrics

Growth RegimeMixed
ProfitabilityModerate
Balance SheetHealthy
Cash FlowMixed
Top Statement Risk

Mid-market M&A cyclicality

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2025Q4)

Deep Discount Reflects Cyclical Uncertainty

According to current market data, Stifel trades at a P/E of 3.38 and a P/B of 0.38, suggesting that investors are heavily discounting the firm's earnings potential relative to its historical averages and the broader financial services peer group valuation multiples.

The current valuation appears to reflect a significant market skepticism regarding the sustainability of earnings in a volatile interest rate environment. This deep discount may indicate that the market is pricing in a potential contraction in institutional deal flow rather than the firm's long-term wealth management stability.

Capital Efficiency Constrained by Volatility

Based on reported figures, Stifel's ROIC has fluctuated between 1.0% and 5.6% over the last ten quarters, indicating that the firm's ability to compound capital is highly sensitive to the cyclical nature of its institutional banking and brokerage segments.

The inconsistent trend in ROIC suggests that the firm's capital allocation strategy is frequently interrupted by market-driven revenue lulls. Investors should monitor whether future acquisitions can drive higher returns on invested capital or if the current integration costs will continue to suppress overall efficiency metrics.

Conservative Leverage Supports Financial Flexibility

As reported in recent financial statements, Stifel maintains a debt-to-equity ratio of 0.38 as of 2025Q4, which indicates that the firm is not overly reliant on external debt financing to support its current operational scale or its ongoing acquisition-led growth strategy.

This conservative leverage profile provides a significant buffer against potential market downturns, allowing the firm to maintain its strategic initiatives without immediate refinancing pressure. The low debt-to-equity ratio suggests a fortress-like balance sheet that may be under-utilized in terms of capital deployment.

Working Capital Dynamics Drive Liquidity

According to quarterly filings, Stifel's asset turnover remains consistently low at 0.04, reflecting the firm's service-heavy business model where revenue generation is driven by professional expertise and advisory fees rather than the rapid rotation of physical or inventory-based assets.

The stability of this metric suggests that the firm's operational efficiency is largely decoupled from traditional asset-heavy turnover cycles. However, the reliance on brokerage settlement timing means that liquidity management remains a critical, albeit lumpy, component of the firm's overall operational efficiency.

Misapplication of Traditional Asset Turnover

Analysts frequently misapply the asset turnover ratio to Stifel, failing to recognize that as a service-oriented financial firm, its revenue is driven by human capital and advisory mandates rather than the efficient movement of physical inventory or tangible assets.

Using asset turnover to judge Stifel's operational success obscures the true value of its wealth management and institutional banking segments. A more appropriate metric would be revenue per financial advisor or fee-based asset growth, which better captures the firm's core productivity and long-term earning power.

Download Financial Ratios Data

Includes 30+ ratios · 22 years · Updated daily

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SFB — Frequently Asked Questions

Quick answers to the most common questions about buying SFB stock.

What is Stifel Financial Corporation 5.20% Senior Notes due 2047's P/E ratio?

Stifel Financial Corporation 5.20% Senior Notes due 2047's current P/E ratio is 3.4x. The historical average is 8.5x. This places it at the 8th percentile of its historical range.

What is Stifel Financial Corporation 5.20% Senior Notes due 2047's EV/EBITDA?

Stifel Financial Corporation 5.20% Senior Notes due 2047's current EV/EBITDA is 1.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.2x.

What is Stifel Financial Corporation 5.20% Senior Notes due 2047's ROE?

Stifel Financial Corporation 5.20% Senior Notes due 2047's return on equity (ROE) is 12.0%. The historical average is 9.1%.

Is SFB stock overvalued?

Based on historical data, Stifel Financial Corporation 5.20% Senior Notes due 2047 is trading at a P/E of 3.4x. This is at the 8th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Stifel Financial Corporation 5.20% Senior Notes due 2047's profit margins?

Stifel Financial Corporation 5.20% Senior Notes due 2047 has 84.3% gross margin and 16.8% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does Stifel Financial Corporation 5.20% Senior Notes due 2047 have?

Stifel Financial Corporation 5.20% Senior Notes due 2047's Debt/EBITDA ratio is 1.9x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.