How profitable is SFL Corporation Ltd (SFL)?

In FY 2025 (10-K), SFL converted $733.0M of revenue into a 52% gross margin, 18.6% operating margin, and $267.1M in free cash flow (36.4% FCF margin).

Stock Ratings / Consumer Discretionary / SFL / financials

CMRE (53) NAT (60) TEN (72) FLNG (45) ⌘ Pro Terminal →

SFL Corporation Ltd (SFL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$12.20 -5.79% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.05

SFL Corporation Ltd (SFL) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $1.72B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, SFL Corporation Ltd (NYSE: SFL) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $12.20 (-5.79% 1D, market cap $1.72B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 3/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 9/20. Across 1009 tracked Consumer Discretionary issuers, SFL ranks #590 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SFL compare to CMRE and NAT in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Marine Transportation), SFL carries a Roarable D (48/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 3.9%. By comparison, CMRE (Costamare Inc. $0.0001 par value) holds a D+ grade (53/100 RQD, P/E 4.8x, ROIC 12.8%, cap $1.71B) and NAT (Nordic American Tankers Limited) posts a C- grade (60/100 RQD, P/E 139.9x, ROIC 4.6%, cap $1.67B). Among the 5-stock peer group, CMRE leads on earnings multiple (4.8x) while CMRE leads on capital efficiency (12.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SFL?

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Per SFL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001289877), SFL Corporation Ltd generated $733.0M in revenue (-18.9% YoY), -$26.4M in net income, and $267.1M in free cash flow against $3.64B in total assets and $1.96B in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $12.05 (-1.23%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 36.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFL)Realized 20D OHLCV Swing Band: ±6.7%

Deterministic 5-Pillar Attribution (48/100 Composite)

🔍 WHY SFL SCORES 48/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (27% of score)

FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 51.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (25% of score)

20D Institutional Volume Accumulation (±6.7% realized swing band)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk4/20 pts (-16 pt drag)

Balance-sheet & 10-K footnote risk deducts 16 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$13.58-11.4% Next Q

Q2 (-2Q)

Grade C-$12.03+5.6% Next Q

Q3 (-1Q)

Grade C-$12.70-3.9% Next Q

Current

Grade D$12.20-5.6% Hist 90D α

Trajectory: C (56) → D (48)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a SFL Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While SFL currently carries a cautious 48/100 (D) rating due to SEC 10-K Forensic Risk (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.89) and Max Pain ($12.81) forces dealer call-delta covering toward $14.68.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SFL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 48%NO 52%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SFL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$267.1M (36.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $752.3M

FY24

Rev $904.4M

FY25

Rev $733.0M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$733.0M	52%	18.6%	-$26.4M	$267.1M	3.9%
FY 2024	$904.4M	52%	33.9%	$130.7M	$369.9M	7.7%
FY 2023	$752.3M	52%	31.9%	$83.9M	$343.1M	3.9%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SFL)

✓Walkthrough of SFL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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SFL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.99%📐 HORIZONTAL RANGE

2026-11-03O $13.17H $13.17L $12.20C $12.20VOL 929.6K

RES: $15.31SUP: $11.63SMA50: $12.89SMA200: $11.47

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFL Butterfly Map → + Track SFL →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

25.2%/yr Implied 5Y Growth

vs. -18.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SFL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SFL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFL)

Consumer Discretionary Rank #590 of 1009 ⚔️ CMRE vs SFL Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (SFL vs. CMRE, NAT, TEN, FLNG)

Industry: Marine Transportation (67 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, SFL Corporation Ltd (SFL) ranks #590 by composite RQD confidence (48/100, grade D) and #432 by equity capitalization ($1.72B). Within this direct 5-issuer industry benchmark cohort, CMRE leads on earnings valuation at 4.8x trailing P/E, while CMRE leads on capital efficiency and profitability with 12.8% ROIC and — gross margin. TEN currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with SFL at 48/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SFL ACTIVE SFL Corporation Ltd	D	48/100	—	—	3.9%	-5.79%	$1.72B	Benchmark Subject
CMRE Costamare Inc. $0.0001 par value	D+	53/100	4.8x	—	12.8%	-5.01%	$1.71B	/cmre-vs-sfl →
NAT Nordic American Tankers Limited	C-	60/100	139.9x	62.3%	4.6%	-7.84%	$1.67B	/nat-vs-sfl →
TEN Tsakos Energy Navigation Ltd	B	72/100	10.2x	—	6.6%	-8.10%	$1.62B	/ten-vs-sfl →
FLNG FLEX LNG Ltd.	D	45/100	20.7x	—	6.9%	-3.84%	$1.53B	/flng-vs-sfl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001289877 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SFL Corporation Ltd (SFL) reported GAAP revenue of $733.0M (-18.9% vs. FY2024 revenue of $904.4M , and -2.6% cumulative change since FY2023) , GAAP net income of -$26.4M, operating cash flow of $267.1M, and free cash flow of $267.1M (-27.8% YoY). On the balance sheet, SFL closed FY2025 with $3.64B in total assets against $1.96B in total debt (Altman Z-Score: 0.56, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$733.0M	-$26.4M	$267.1M	$267.1M	$3.64B	$1.96B
FY2024 (FY)	2024-12-31	$904.4M	$130.7M	$369.9M	$369.9M	$4.11B	$2.15B
FY2023 (FY)	2023-12-31	$752.3M	$83.9M	$343.1M	$343.1M	—	—

3. SFL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SFL compare to CMRE and NAT in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for SFL?

Where is SFL trading relative to its 50-day, 200-day, and 52-week technical levels?

SFL last traded at $12.20 (-5.79% on volume of 1,455,313 shares), positioning the stock -5.35% below its 50-day simple moving average ($12.89) and +6.36% above its 200-day simple moving average ($11.47). Across its 52-week range of $7.27 to $13.98, SFL sits at the 73.5% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±6.7% ($11.38 to $13.02).

Direct Sub-Reports: SFL RQD Cockpit SFL 12M Forecast SFL Earnings & Move SFL Dividends & DRIP SFL Insiders & 13F SFL Whale Options SFL Profit Sankey SFL News & Why

ROARABLE RATING BRIEF • RQD 48/100 (D) ✓ SEC XBRL & RQD VERIFIED

SFL — SFL Corporation Ltd: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

SFL Corporation Ltd (SFL) earns a live Roarable RQD composite score of 48/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $12.20 (-5.79% 1D, market capitalization $1.72B).

Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 3.9%, gross margin of —, operating margin of 18.6%, and free cash flow yield of 15.25%.
Whale 13F & Options Flow (12/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (3/20): Incorporates a 1.00x equity beta, Altman Z-Score of 0.56, Piotroski F-Score of 3/9, and Debt/Equity of 2.04x.

2. Business Model, Unit Margins & SEC Financial Trajectory

SFL Corporation Ltd is a NYSE-listed issuer classified under the Consumer Discretionary sector and the Marine Transportation industry,..8B. Its revenue is reported in the financials section.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), SFL Corporation Ltd (SFL) reported $733.0M in annual revenue (up from $904.4M in FY2024, -18.9% YoY) and -$26.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($752.3M revenue, $83.9M net income) through FY2025, SFL scaled operating cash flow to $267.1M and free cash flow to $267.1M, backed by $3.64B in total assets against $1.96B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D • RQD 48/100): Established market leader in Consumer Discretionary with deep daily trading liquidity. Free cash flow yield of 15.25% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $7.27 – $13.98 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation and 26.1x EV/EBITDA against 18.6% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source data therefore does not establish upstream suppliers, downstream customers, or sector correlations for SFL. The one cross-company item in the news, the Seadrill contract ruling, indicates some sector-wide contract-enforcement activity in offshore and marine services, but the source does not establish a direct dependency. Investors should watch vessel-ordering activity (such as the VLAC order) and vessel-sale pricing as indicators of asset-market conditions, though the source does not link these to specific second-order effects.

Key Question #1: Can SFL sustain or expand its 18.6% operating margin and 3.9% ROIC against Marine Transportation peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $733.0M and free cash flow of $267.1M, how will capital allocation balance growth reinvestment against $1.96B in total debt?
Key Question #3: How sensitive is SFL's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SFL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SFL Corporation Ltd (SFL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SFL Debate Forum (3) ↓

🟡 MARKET WIRE Seeking Alpha • 1d ago

SFL Corporation: High Yield Protected By Strong Backlog, But Upside Is Priced In

Seeking Alpha report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

SFL Corporation Ltd Estimates – NYSE:SFL

TradingView report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Marine News Magazine • 1d ago

SFL Corporation Places $216M VLAC Pair Order

Marine News Magazine report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

SFL (NYSE:SFL) Stock Forecast & Analyst Predictions

Simply Wall St report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Shipping Telegraph • 1d ago

SFL sells seven tankers to Trafigura at strong profit

Shipping Telegraph report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Stock Titan • 1d ago

A court found Seadrill breached a rig contract and ordered it to pay about $55 million.

Stock Titan report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

SFL to sell seven oil tankers to Trafigura in $275M deal (SFL:NYSE)

Seeking Alpha report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 2d ago

SFL Corporation Agrees to Sell Seven Tankers to Trafigura for Expected $275 Million Net Proceeds

Quiver Quantitative report covering SFL Corporation Ltd (SFL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SFL Bull vs. Bear Conversation Board — What's Your Call at $12.20?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SFL 🐻 33% BEARISH CONVICTION

MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $16.19 (+25.0%)

📌 Pinned Debate

A 15.25% FCF yield and a 7.14% dividend yield signal substantial cash generation relative to the share price.

Don't sleep on SFL's setup in Consumer Discretionary. A 15.25% FCF yield and a 7.14% dividend yield signal substantial cash generation relative to the share price.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (48/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 48/100 quality, though with 1.0 beta I'm scaling in with half-size at $12.95 and keeping dry powder in case we test $12.04.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $10.75 (-17.0%)

Spot @ $12.95

A 0.56 Altman Z-Score, 3/9 Piotroski, and 2.04 Debt/Equity point to severe balance-sheet distress risk.

Fading this rally in SFL at $12.95. A 0.56 Altman Z-Score, 3/9 Piotroski, and 2.04 Debt/Equity point to severe balance-sheet distress risk.. With a beta of 1.0 and the stock sitting at $12.95 (52-wk range $7.27–$13.98), the easy multiple expansion is already priced in.