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DCF valuation

What is Stifel Financial Corp worth?

With the base-case assumptions below, a discounted cash flow model on Stifel Financial Corp's reported free cash flow gives $256.26 per share. The share price was $70.35 on September 25, 2026, 73% below that value.

Inputs from the filings

Free cash flow, fiscal 2025
$1.05B
Average free cash flow, last 5 years
$735.6M
Cash
$2.19B
balance sheet of June 30, 2026
Debt
$617.9M
balance sheet of June 30, 2026
Diluted shares, fiscal 2025
110,052,000
Revenue growth per year, last 5 years
10.7%

Three sets of assumptions

CaseGrowth yrs 1-5Growth yrs 6-10After year 10Discount rateValue per shareValue vs price
Bear5.5%4.0%2.0%10.0%$164.56+134%
Base10.5%6.5%2.5%9.0%$256.26+264%
Bull15.5%9.5%3.0%8.0%$439.05+524%

Sensitivity: base case value per share

Discount rate down the side, growth after year 10 across the top. Everything else as in the base case.

1.5%2.0%2.5%3.0%3.5%
7.0%$325.64$347.04$373.19$405.88$447.91
8.0%$273.70$287.58$303.98$323.66$347.71
9.0%$235.83$245.32$256.26$269.03$284.13
10.0%$207.04$213.79$221.43$230.17$240.26
11.0%$184.46$189.41$194.93$201.15$208.20

Where the presets come from

Base: years 1 to 5 grow at Stifel Financial Corp's revenue growth rate over the last 5 fiscal years (10.7% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.

Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.

Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.

This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.

Adjust the assumptions

Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.

Adjust the assumptions

Stifel Financial Corp company page