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Earnings transcript
Read the complete earnings call transcript.
SF
Stifel Financial Corp.
$74.07
0.09
(0.12%)
| Exchange: | NYSE |
| Market Cap: | 11.465B |
| Shares Outstanding: | 21.827M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Capital Markets | |||||
| CEO: | Ronald James Kruszewski | |||||
| Full Time Employees: | 8887 | |||||
| Address: |
| |||||
| Website: | https://www.stifel.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 5,100,936 | 5,888,863 | 6,297,774 |
| Gross Profit | 4,265,601 | 4,882,095 | 5,451,307 |
| EBITDA | 788,154 | 1,014,410 | 933,500 |
| Operating Income | 706,692 | 928,444 | 871,139 |
| Net Income | 522,536 | 731,379 | 683,779 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 37,727,460 | 39,895,540 | 41,270,782 |
| Total Liabilities | 32,433,029 | 34,208,770 | 35,293,465 |
| Total Stockholders Equity | 5,294,431 | 5,686,770 | 5,977,317 |
| Total Debt | 2,001,158 | 1,544,044 | 855,899 |
| Cash and Cash Equivalents | 3,361,801 | 2,918,139 | 2,253,789 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 499,328 | 490,437 | 1,117,029 |
| Capital Expenditure | -51,976 | -73,788 | 0 |
| Free Cash Flow | 447,352 | 416,649 | 1,117,029 |
| Net Income | 522,536 | 731,379 | 683,779 |
| Net Change in Cash | 1,294,847 | -845,646 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 7,391,498.349 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 7,813,842.535 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 7,631,150 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,428,049.873 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,509,647.478 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,474,350.973 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,184,593.608 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,273,451.426 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,235,014.196 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 4,093,832.461 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 4,327,750.708 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 4,226,565.184 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 11.190 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 11.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 10.740 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Record Financial Performance: Stifel Financial reported a record second quarter in 2025, as highlighted in the Q2 2025 earnings call transcript, with strong net revenue and earnings surpassing expectations. This indicates robust operational efficiency and effective capital market strategies.
- Positive Return Metrics: Key metrics such as return on equity (ROE TTM) and return on invested capital (ROIC TTM) reflect solid profitability and efficient use of capital, positioning SF favorably within the financial services sector.
- Strong Cash Flow Generation: Analysis of cash flow statements shows consistent net cash provided by operating activities and positive free cash flow (FCF TTM), indicating financial stability and the ability to fund growth initiatives or return value to shareholders.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SF intrinsic value between $55.24 – $76.22 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about SF valuation
Is Stifel Financial Corp. (SF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Stifel Financial Corp. (SF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SF’s P/E ratio?
You can see SF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SF a good long-term investment?
Whether SF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SF
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.12
Trading Metrics:
| Open: | 72.72 | Previous Close: | 73.98 | |
| Day Low: | 72.39 | Day High: | 75.37 | |
| Year Low: | 48.85 | Year High: | 89.83 | |
| Price Avg 50: | 77.3 | Price Avg 200: | 77.5 | |
| Volume: | 952293 | Average Volume: | 1.586M |
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Login — it's freeSF full analysis
Welcome to MARKETSNAP’s SWOT analysis for Stifel Financial, also known by its ticker SF. If you’re a long-term investor looking to dig into the financial sector, you’ve come to the right place. Today, we’re breaking down Stifel Financial, a player in the investment banking and wealth management space, to see if it’s got the chops to be a solid addition to your portfolio. Let’s dive into what makes this company tick, check out some recent developments, and then get into…
