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Stifel Fin Corp Financials

SF
Trailing 12 months to June 30, 2026
Revenue $5.9B +15.4% YoY
Net Income $916.3M +59.8% YoY
EPS (Diluted) $6.97 +52.2% YoY
Free Cash Flow $361.0M -62.3% YoY
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Stifel Fin Corp (SF) reported $5.9B in revenue over the twelve months to Jun 30, 2026, up 15.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SF FY2025

Stifel’s balance-sheet-heavy but capex-light model lets cash generation recover sharply even when reported profit does not.

From FY2024 to FY2025, net income fell from $694M to $646M while operating cash flow more than doubled from $490M to $1.12B and free cash flow jumped from $417M to $1.05B. That gap suggests annual cash output is driven less by heavy reinvestment and more by balance-sheet timing, so a softer earnings year can still become a much stronger cash year.

By FY2025, long-term debt was still about $617M, roughly half its FY2023 level of $1.12B. At the same time, equity expanded to $5.98B and debt-to-equity eased to 0.1x, suggesting the balance sheet strengthened without relying on more term borrowing.

This is also a low-capex franchise: FY2025 capital spending was only $62M against $1.12B of operating cash flow. Because little cash is needed to maintain physical infrastructure, the bigger swing factor in free cash flow is how the balance sheet turns, not how much the company must reinvest.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 51 / 100
Financial Health Score 51/100
Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Stifel Fin Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings
87
Growth
68
Capital
77
Efficiency
2
Credit Quality
0

Not available for Stifel Fin Corp, and counted as zero in the overall score.

Stability
72
Piotroski F-Score Partial
5/6

Stifel Fin Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed
1.73x

For every $1 of reported earnings, Stifel Fin Corp generates $1.73 in operating cash flow ($1.1B OCF vs $646.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$5.5B
YoY+11.3%
5Y CAGR+8.1%
10Y CAGR+9.0%

Stifel Fin Corp generated $5.5B in revenue in fiscal year 2025. This represents an increase of 11.3% from the prior year.

Net Income
$646.5M
YoY-6.9%
5Y CAGR+5.1%
10Y CAGR+21.5%

Stifel Fin Corp reported $646.5M in net income in fiscal year 2025. This represents a decrease of 6.9% from the prior year.

EPS (Diluted)
$5.87
YoY-6.1%
5Y CAGR+7.1%
10Y CAGR+17.4%

Stifel Fin Corp earned $5.87 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 6.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
$1.1B
YoY+153.2%
5Y CAGR-7.9%

Stifel Fin Corp generated $1.1B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 153.2% from the prior year.

Cash & Debt
$2.3B
YoY-14.9%
5Y CAGR-0.2%
10Y CAGR+10.8%

Stifel Fin Corp held $2.3B in cash against $617.4M in long-term debt as of fiscal year 2025.

Dividends Per Share
$1.84
YoY+9.5%
5Y CAGR+32.5%

Stifel Fin Corp paid $1.84 per share in dividends in fiscal year 2025. This represents an increase of 9.5% from the prior year.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin
11.7%
YoY-2.3pp
5Y CAGR-1.7pp
10Y CAGR+7.7pp

Stifel Fin Corp's net profit margin was 11.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.3 percentage points from the prior year.

Return on Equity
10.8%
YoY-1.4pp
5Y CAGR-1.1pp
10Y CAGR+7.1pp

Stifel Fin Corp's ROE was 10.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks
$245.0M
YoY+70.0%
5Y CAGR+33.3%
10Y CAGR+7.6%

Stifel Fin Corp spent $245.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 70.0% from the prior year.

Capital Expenditures
$62.1M
YoY-15.9%
5Y CAGR-3.3%
10Y CAGR-1.2%

Stifel Fin Corp invested $62.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 15.9% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

SF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SF quarterly income statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Revenue$1.5B-1.9%$1.5B-5.3%$1.6B+9.2%$1.4B+11.3%$1.3B+2.3%$1.3B-8.0%$1.4B+11.4%$1.2B
SG&A Expenses$833.0M-1.8%$848.3M-8.3%$925.2M+10.2%$839.8M+8.4%$774.9M+5.8%$732.2M-8.0%$795.8M+10.8%$718.1M
Interest Expense$188.0M+0.3%$187.5M-2.5%$192.3M-6.3%$205.2M-0.8%$206.8M-3.2%$213.6M-6.4%$228.2M-9.2%$251.2M
Income Tax$73.0M-2.3%$74.7M+71.4%$43.5M-41.7%$74.7M+27.1%$58.8M+466.6%$10.4M-53.3%$22.2M-61.8%$58.2M
Net Income$226.5M-9.9%$251.4M+10.7%$227.1M+7.4%$211.4M+36.3%$155.1M+192.6%$53.0M-74.4%$206.7M+30.4%$158.5M
EPS (Diluted)$1.34-9.5%$1.48$2.31+25.5%$1.84$0.89+242.3%$0.26$2.09+56.0%$1.34

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

SF Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SF quarterly balance sheet
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Total Assets$44.9B+4.7%$42.9B+3.9%$41.3B-1.0%$41.7B+4.6%$39.9B-1.3%$40.4B+1.2%$39.9B+2.5%$38.9B
Cash & Equivalents$2.2B-24.4%$2.9B+28.6%$2.3B-29.2%$3.2B+71.4%$1.9B-31.9%$2.7B+2.9%$2.6B+38.2%$1.9B
Accounts Receivable$193.0M+9.8%$175.8M-0.3%$176.3M+10.0%$160.2M+15.0%$139.3M-9.1%$153.2M+7.7%$142.3M+8.3%$131.4M
Goodwill$1.5B0.0%$1.5B0.0%$1.5B-1.2%$1.5B+0.2%$1.5B+6.0%$1.4B0.0%$1.4B+0.1%$1.4B
Total Liabilities$38.9B+5.4%$36.9B+4.6%$35.3B-1.8%$35.9B+4.9%$34.3B-1.7%$34.8B+1.9%$34.2B+2.5%$33.4B
Long-Term Debt$617.9M0.0%$617.6M0.0%$617.4M0.0%$617.2M0.0%$617.0M0.0%$616.8M0.0%$616.6M0.0%$616.4M
Total Equity$6.0B+0.5%$6.0B+0.1%$6.0B+3.8%$5.8B+2.8%$5.6B+1.1%$5.5B-2.6%$5.7B+2.3%$5.6B

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Retained Earnings.

SF Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SF quarterly cash flow statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Operating Cash Flow$76.1M+122.2%-$342.6M-189.6%$382.4M+13.1%$338.3M-44.3%$607.5M+387.6%-$211.2M-149.8%$423.8M+112.5%$199.4M
Capital Expenditures$14.8M-69.1%$47.8M+254.8%$13.5M-21.6%$17.2M+16.0%$14.8M-10.5%$16.6M-4.9%$17.4M+36.5%$12.8M
Free Cash Flow$61.3M+115.7%-$390.4M-205.8%$369.0M+14.9%$321.1M-45.8%$592.7M+360.2%-$227.8M-156.0%$406.4M+117.7%$186.6M
Investing Cash Flow-$2.6B-912.7%-$256.2M+61.9%-$673.0M-89.9%-$354.5M+14.4%-$414.0M-139.9%-$172.5M+65.2%-$495.4M+64.1%-$1.4B
Financing Cash Flow$1.8B+45.3%$1.2B+293.2%-$645.7M-149.3%$1.3B+227.2%-$1.0B-325.6%$456.5M-43.9%$813.3M+75.1%$464.5M
Share Buybacks$172.1M+78.5%$96.4M+156.8%$37.5M+20.2%$31.2M-62.4%$83.0M-10.9%$93.2M+104.5%$45.6M+125.3%$20.2M

Not reported in any period shown, so not listed: Dividends Paid.

SF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

SF quarterly financial ratios
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Net Margin15.6%-1.4pp17.0%+2.5pp14.5%-0.2pp14.8%+2.7pp12.1%+7.8pp4.2%-10.9pp15.2%+2.2pp12.9%
Return on Equity3.8%-0.4pp4.2%+0.4pp3.8%+0.1pp3.7%+0.9pp2.8%+1.8pp1.0%-2.7pp3.6%+0.8pp2.9%
Return on Assets0.5%-0.1pp0.6%0.0pp0.5%0.0pp0.5%+0.1pp0.4%+0.3pp0.1%-0.4pp0.5%+0.1pp0.4%
Debt-to-Equity0.100.0x0.100.0x0.100.0x0.110.0x0.110.0x0.110.0x0.110.0x0.11
FCF Margin4.2%+30.6pp-26.4%-50.0pp23.6%+1.2pp22.5%-23.7pp46.2%+64.3pp-18.1%-47.9pp29.8%+14.5pp15.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Frequently Asked Questions

What is Stifel Fin Corp's annual revenue?

Stifel Fin Corp (SF) reported $5.5B in total revenue for fiscal year 2025. This represents a 11.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Stifel Fin Corp's revenue growing?

Stifel Fin Corp (SF) revenue grew by 11.3% year-over-year, from $5.0B to $5.5B in fiscal year 2025.

Is Stifel Fin Corp profitable?

Yes, Stifel Fin Corp (SF) reported a net income of $646.5M in fiscal year 2025, with a net profit margin of 11.7%.

Stifel Fin Corp (SF) reported diluted earnings per share of $5.87 for fiscal year 2025. This represents a -6.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Stifel Fin Corp (SF) had $2.3B in cash and equivalents against $617.4M in long-term debt.

Stifel Fin Corp (SF) had a net profit margin of 11.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Stifel Fin Corp (SF) paid $1.84 per share in dividends during fiscal year 2025.

Stifel Fin Corp (SF) has a return on equity of 10.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Stifel Fin Corp (SF) generated $1.1B in free cash flow during fiscal year 2025. This represents a 153.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Stifel Fin Corp (SF) generated $1.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Stifel Fin Corp (SF) had $41.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Stifel Fin Corp (SF) invested $62.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Stifel Fin Corp (SF) spent $245.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Stifel Fin Corp (SF) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Stifel Fin Corp (SF) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Stifel Fin Corp (SF) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Stifel Fin Corp (SF) has an earnings quality ratio of 1.73x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Stifel Fin Corp (SF) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.

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