SILVERGATE CAPITAL CORP-CL A (SI)
US82837P4081 - Common Stock
Taking everything into account, SI scores 2 out of 10 in our fundamental rating. SI was compared to 412 industry peers in the Banks industry. SI has a bad profitability rating. Also its financial health evaluation is rather negative. SI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SI was profitable.
SI had positive earnings in 4 of the past 5 years.
SI had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The profitability ratios for SI are negative, so there is not much use analyzing them.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SI's Profit Margin has improved in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for SI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y76.44%
PM growth 5Y56.45%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SI does not have a ROIC to compare to the WACC, probably because it is not profitable.
SI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SI has been increased compared to 5 years ago.
SI has a worse debt/assets ratio than last year.
2.2 Solvency
SI has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
SI's Debt to Equity ratio of 0.03 is amongst the best of the industry. SI outperforms 81.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 27.34% over the past year.
Looking at the last year, SI shows a very negative growth in Revenue. The Revenue has decreased by -446.38% in the last year.
EPS 1Y (TTM)27.34%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-27.27%
Revenue 1Y (TTM)-446.38%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-1791.86%
3.2 Future
Based on estimates for the next years, SI will show a very negative growth in Earnings Per Share. The EPS will decrease by -19.40% on average per year.
The Revenue is expected to grow by 32.89% on average over the next years. This is a very strong growth
EPS Next Y-90.2%
EPS Next 2Y-47.1%
EPS Next 3Y-19.4%
EPS Next 5YN/A
Revenue Next Year124.61%
Revenue Next 2Y53.95%
Revenue Next 3Y32.89%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 0.34, the valuation of SI can be described as very cheap.
99.77% of the companies in the same industry are more expensive than SI, based on the Price/Earnings ratio.
SI is valuated cheaply when we compare the Price/Earnings ratio to 24.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 3.47 indicates a rather cheap valuation of SI.
96.96% of the companies in the same industry are more expensive than SI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.26. SI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.34 | ||
| Fwd PE | 3.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SI's earnings are expected to decrease with -19.40% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-47.1%
EPS Next 3Y-19.4%
5. Dividend
5.1 Amount
No dividends for SI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SILVERGATE CAPITAL CORP-CL A
NYSE:SI (5/10/2023, 7:22:59 PM)
After market: 1.29 +0.04 (+3.2%)1.25
+0.01 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap39.57M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.34 | ||
| Fwd PE | 3.47 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover-0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)27.34%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-90.2%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-446.38%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y