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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
10/26/2026: SF (2-star) is currently NOT-A-BUY. Pass it for now.
Stifel Financial Corp. is a diversified financial services firm providing wealth management and institutional banking to a broad client base. The company is known for its strong institutional research platform and its ability to scale through strategic, tuck-in acquisitions. Its primary growth story revolves around increasing AUM in its wealth management division and capitalizing on middle-market banking opportunities. Investors should monitor risks related to interest rate fluctuations, competitive fee pressures, and the cyclical nature of its institutional banking revenue. Stifel may suit investors seeking a well-managed financial firm with a proven track record, though its performance remains sensitive to broader market and economic cycles.
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 provides steady growth through acquisition, but is not a high-growth technology stock. |
| Momentum investor | Strong fit while signal remains positive | The stock can participate in strong institutional market rallies when deal volume increases. |
| Value investor | Strong fit | Stifel often trades at reasonable valuation multiples compared to broader market indices. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy supported by recurring management fee revenue. |
| Low-risk investor | Mixed fit | Financial services stocks are inherently sensitive to market cycles and macroeconomic shifts. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Stifel's stock performance is linked to equity market trends and interest rate cycles. |
| Valuation risk | Medium | The stock is generally well-valued, but market corrections can impact price multiples. |
| Competition risk (Financial Services) | High | The firm faces pressure from both legacy wirehouses and low-fee digital brokerage models. |
| Business quality | Strong | Stifel has a proven, long-term track record of operational efficiency and strategic execution. |
| Dividend income | Medium | Dividends are reliable but typically represent a modest portion of total return. |
| Execution risk | Medium | Future success depends on the ability to continue integrating new acquisitions successfully. |
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 35.31% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/26/2026 |
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 10.01B USD | Price to earnings Ratio 11.56 | 1Y Target Price 81.5 |
Price to earnings Ratio 11.56 | 1Y Target Price 81.5 | ||
Volume (30-day avg) 1.5M shares | Beta 1.01 | 52 Weeks Range 65.40 - 88.61 | Updated Date 10/25/2026 |
52 Weeks Range 65.40 - 88.61 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 1.94% | Basic EPS (TTM) 5.77 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Global Wealth Management | Asset management fees, net interest income, and commission-based brokerage services. | This is the 'steady' part of the business that generates recurring fee income. |
| Institutional Group | Investment banking advisory fees, underwriting fees, and institutional trading commissions. | This part is cyclical and driven by IPOs, M&A activity, and corporate fundraising. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 1.43 | Actual 1.46 |
Profitability
Profit Margin 16.61% | Operating Margin (TTM) 21.91% |
Management Effectiveness
Return on Assets (TTM) 2.25% | Return on Equity (TTM) 16.43% |
Valuation
Trailing PE 11.56 | Forward PE 12.03 | Enterprise Value 8.59B | Price to Sales(TTM) 1.7 |
Enterprise Value 8.59B | Price to Sales(TTM) 1.7 | ||
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA - | Shares Outstanding 150.06M | Shares Floating 144.62M |
Shares Outstanding 150.06M | Shares Floating 144.62M | ||
Percent Insiders 3.19 | Percent Institutions 94.09 |
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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