SVB FINANCIAL GROUP (SIVB) Stock Fundamental Analysis

NASDAQ:SIVB • US78486Q1013

106.04 USD
-161.79 (-60.41%)
At close: Mar 9, 2023
61.3 USD
-44.74 (-42.19%)
Pre-Market: 3/10/2023, 10:00:53 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

SIVB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. SIVB may be in some trouble as it scores bad on both profitability and health. SIVB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • SIVB had positive earnings in the past year.
  • In the past year SIVB had a positive cash flow from operations.
SIVB Yearly Net Income VS EBIT VS OCF VS FCFSIVB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • SIVB has a Return On Assets of 0.71%. This is amonst the worse of the industry: SIVB underperforms 83.78% of its industry peers.
  • With a Return On Equity value of 9.43%, SIVB is not doing good in the industry: 77.93% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.71%
ROE 9.43%
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
SIVB Yearly ROA, ROE, ROICSIVB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

  • SIVB has a worse Profit Margin (24.29%) than 71.81% of its industry peers.
  • In the last couple of years the Profit Margin of SIVB has remained more or less at the same level.
  • SIVB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.84%
PM growth 5Y-0.42%
GM growth 3YN/A
GM growth 5YN/A
SIVB Yearly Profit, Operating, Gross MarginsSIVB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • SIVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SIVB has been increased compared to 1 year ago.
  • The debt/assets ratio for SIVB is higher compared to a year ago.
SIVB Yearly Shares OutstandingSIVB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
SIVB Yearly Total Debt VS Total AssetsSIVB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 50B 100B 150B 200B

2.2 Solvency

  • SIVB has a debt to FCF ratio of 2.24. This is a good value and a sign of high solvency as SIVB would need 2.24 years to pay back of all of its debts.
  • SIVB has a Debt to FCF ratio of 2.24. This is comparable to the rest of the industry: SIVB outperforms 58.51% of its industry peers.
  • SIVB has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
  • SIVB has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: SIVB underperforms 74.47% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for SIVB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 2.24
Altman-Z N/A
ROIC/WACCN/A
WACC7.26%
SIVB Yearly LT Debt VS Equity VS FCFSIVB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SIVB Yearly Current Assets VS Current LiabilitesSIVB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The earnings per share for SIVB have decreased strongly by -19.73% in the last year.
  • SIVB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.47% yearly.
  • SIVB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.01%.
  • Measured over the past years, SIVB shows a very strong growth in Revenue. The Revenue has been growing by 25.73% on average per year.
EPS 1Y (TTM)-19.73%
EPS 3Y5.27%
EPS 5Y20.47%
EPS Q2Q%-25.72%
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Sales Q2Q%1.87%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.63% on average over the next years. This is quite good.
  • Based on estimates for the next years, SIVB will show a quite strong growth in Revenue. The Revenue will grow by 11.25% on average per year.
EPS Next Y-22.48%
EPS Next 2Y-0.46%
EPS Next 3Y8.63%
EPS Next 5YN/A
Revenue Next Year-5.84%
Revenue Next 2Y2.84%
Revenue Next 3Y11.25%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
SIVB Yearly Revenue VS EstimatesSIVB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SIVB Yearly EPS VS EstimatesSIVB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.18, the valuation of SIVB can be described as very cheap.
  • Based on the Price/Earnings ratio, SIVB is valued cheaper than 92.02% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, SIVB is valued rather cheaply.
  • SIVB is valuated cheaply with a Price/Forward Earnings ratio of 5.40.
  • SIVB's Price/Forward Earnings ratio is rather cheap when compared to the industry. SIVB is cheaper than 88.56% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. SIVB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.18
Fwd PE 5.4
SIVB Price Earnings VS Forward Price EarningsSIVB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SIVB is valued cheaply inside the industry as 92.29% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.37
EV/EBITDA N/A
SIVB Per share dataSIVB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-0.46%
EPS Next 3Y8.63%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • SIVB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

SVB FINANCIAL GROUP

NASDAQ:SIVB (3/9/2023, 8:00:03 PM)

Premarket: 61.3 -44.74 (-42.19%)

106.04

-161.79 (-60.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-19
Earnings (Next)04-20
Inst Owners0%
Inst Owner Change0%
Ins Owners0.6%
Ins Owner Change0%
Market Cap6.28B
Revenue(TTM)6.21B
Net Income(TTM)1.51B
Analysts75.17
Price Target307.2 (189.7%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP10.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.14%
Min EPS beat(2)-14.11%
Max EPS beat(2)1.84%
EPS beat(4)2
Avg EPS beat(4)-0.93%
Min EPS beat(4)-28.56%
Max EPS beat(4)37.12%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.99%
Min Revenue beat(2)-6.43%
Max Revenue beat(2)0.46%
Revenue beat(4)2
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-11.26%
Max Revenue beat(4)7.89%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.56%
PT rev (3m)-5.02%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-9.42%
EPS NY rev (1m)-11.55%
EPS NY rev (3m)-11.55%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-3.85%
Revenue NY rev (1m)-4.83%
Revenue NY rev (3m)-4.83%
Valuation
Industry RankSector Rank
PE 4.18
Fwd PE 5.4
P/S 1.01
P/FCF 2.37
P/OCF 2.19
P/B 0.39
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)25.35
EY23.91%
EPS(NY)19.65
Fwd EY18.53%
FCF(TTM)44.75
FCFY42.2%
OCF(TTM)48.38
OCFY45.62%
SpS104.95
BVpS270.33
TBVpS261.7
PEG (NY)N/A
PEG (5Y)0.2
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.29%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.84%
PM growth 5Y-0.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 2.24
Debt/EBITDA N/A
Cap/Depr 96.85%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 175.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.26%
ROIC/WACCN/A
Cap/Depr(3y)86.13%
Cap/Depr(5y)83.37%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)128.52%
Profit Quality(5y)114.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.73%
EPS 3Y5.27%
EPS 5Y20.47%
EPS Q2Q%-25.72%
EPS Next Y-22.48%
EPS Next 2Y-0.46%
EPS Next 3Y8.63%
EPS Next 5YN/A
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Sales Q2Q%1.87%
Revenue Next Year-5.84%
Revenue Next 2Y2.84%
Revenue Next 3Y11.25%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.92%
FCF growth 3Y34.1%
FCF growth 5Y34.76%
OCF growth 1Y58.06%
OCF growth 3Y35%
OCF growth 5Y34.66%

SVB FINANCIAL GROUP / SIVB FAQ

What is the ChartMill fundamental rating of SVB FINANCIAL GROUP (SIVB) stock?

ChartMill assigns a fundamental rating of 3 / 10 to SIVB.


What is the valuation status for SIVB stock?

ChartMill assigns a valuation rating of 10 / 10 to SVB FINANCIAL GROUP (SIVB). This can be considered as Undervalued.


Can you provide the profitability details for SVB FINANCIAL GROUP?

SVB FINANCIAL GROUP (SIVB) has a profitability rating of 0 / 10.


Can you provide the PE and PB ratios for SIVB stock?

The Price/Earnings (PE) ratio for SVB FINANCIAL GROUP (SIVB) is 4.18 and the Price/Book (PB) ratio is 0.39.


Is the dividend of SVB FINANCIAL GROUP sustainable?

The dividend rating of SVB FINANCIAL GROUP (SIVB) is 0 / 10 and the dividend payout ratio is 10.8%.