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Upturn AI Summary - About
Stifel Financial Corporation(SF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SF
10/12/2026: SF (3-star) is currently NOT-A-BUY. Pass it for now.
Stifel Financial Corporation is a diversified financial services firm that operates through its wealth management and institutional investment banking segments. The company has a leading position in serving middle-market clients and has historically delivered resilient earnings by balancing advisory fees with volatile capital markets income. Its primary growth story centers on the successful recruitment of experienced financial advisors and the expansion of its institutional footprint. Key risks include sensitivity to interest rate fluctuations, intense competition from digital-first brokerage platforms, and execution risks related to human capital management. Stifel may suit value-oriented and dividend-seeking investors, though those interested should monitor developments in interest rate policy and M&A deal flow.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Stifel offers moderate growth potential through recruitment and market expansion but is not a hyper-growth tech-style stock. |
| Momentum investor | Mixed fit | The stock can exhibit momentum during strong bull markets or favorable interest rate cycles, but signal-based timing is required. |
| Value investor | Strong fit | The company is often priced at reasonable valuation multiples relative to its earnings potential. |
| Dividend investor | Strong fit | Stifel provides a consistent dividend that offers income, making it a reliable option for yield-focused portfolios. |
| Low-risk investor | Mixed fit | The stock is subject to market volatility, which may not suit those seeking extremely low-risk, capital-preservation assets. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks often experience significant price swings based on market sentiment and macro conditions. |
| Valuation risk | Medium | While typically reasonably valued, the stock can become overextended during periods of excessive optimism. |
| Competition risk (Banking/Wealth) | Medium / high | Stifel faces significant pressure from large incumbents and low-cost digital firms. |
| Business quality | Strong | The firm has a long-standing franchise and a proven, sustainable business model. |
| Dividend income | Medium | While dividends are reliable, they are not the primary driver of total returns compared to capital appreciation. |
| Execution risk | Medium | Future growth depends heavily on the successful recruitment and retention of skilled financial advisors. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 25.1% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.62B USD | Price to earnings Ratio 12.56 | 1Y Target Price 85.25 |
Price to earnings Ratio 12.56 | 1Y Target Price 85.25 | ||
Volume (30-day avg) 1.3M shares | Beta 1.01 | 52 Weeks Range 67.52 - 88.61 | Updated Date 10/11/2026 |
52 Weeks Range 67.52 - 88.61 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 1.84% | Basic EPS (TTM) 5.6 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Global Wealth Management | Client transaction fees, advisory fees, and net interest income from client balances. | This is a recurring revenue stream that benefits from growing assets under management. |
| Institutional Group | Underwriting fees, M&A advisory, and trading commissions. | This segment is more cyclical and dependent on healthy corporate deal flow. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 12.56 | Forward PE 12.03 | Enterprise Value 9.21B | Price to Sales(TTM) 1.82 |
Enterprise Value 9.21B | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA - | Shares Outstanding 151.00M | Shares Floating 145.52M |
Shares Outstanding 151.00M | Shares Floating 145.52M | ||
Percent Insiders 3.17 | Percent Institutions 93.47 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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