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SVB FINANCIAL GROUP (SIVB) Stock Fundamental Analysis

USA - NASDAQ:SIVB - US78486Q1013 - Common Stock

106.04 USD
-161.79 (-60.41%)
Last: 3/9/2023, 8:00:03 PM
61.3 USD
-44.74 (-42.19%)
Pre-Market: 3/10/2023, 10:00:53 AM
Fundamental Rating

3

Overall SIVB gets a fundamental rating of 3 out of 10. We evaluated SIVB against 392 industry peers in the Banks industry. SIVB has a bad profitability rating. Also its financial health evaluation is rather negative. SIVB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SIVB was profitable.
In the past year SIVB had a positive cash flow from operations.
In the past 5 years SIVB has always been profitable.
Each year in the past 5 years SIVB had a positive operating cash flow.
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 2015 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.
Looking at the Return On Equity, with a value of 9.43%, SIVB is doing worse than 77.93% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

With a Profit Margin value of 24.29%, SIVB is not doing good in the industry: 71.81% of the companies in the same industry are doing better.
SIVB's Profit Margin has been stable in the last couple of years.
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 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30

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2

2. Health

2.1 Basic Checks

SIVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
SIVB has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, SIVB has a worse debt to assets ratio.
SIVB Yearly Shares OutstandingSIVB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
Looking at the Debt to FCF ratio, with a value of 2.24, SIVB is in line with its industry, outperforming 58.51% of the companies in the same industry.
SIVB has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
SIVB's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. SIVB is outperformed by 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 2015 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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6

3. Growth

3.1 Past

The earnings per share for SIVB have decreased strongly by -19.73% in the last year.
Measured over the past years, SIVB shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.47% on average per year.
Looking at the last year, SIVB shows a small growth in Revenue. The Revenue has grown by 5.01% in the last year.
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.
The Revenue is expected to grow by 11.25% on average over the next years. This is quite good.
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SIVB Yearly Revenue VS EstimatesSIVB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.18, which indicates a rather cheap valuation of SIVB.
SIVB's Price/Earnings ratio is rather cheap when compared to the industry. SIVB is cheaper than 92.02% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.02. SIVB is valued rather cheaply when compared to this.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, SIVB is valued rather cheaply.
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

SIVB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SIVB is cheaper than 92.29% of the companies in the same industry.
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%

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0

5. Dividend

5.1 Amount

No dividends for SIVB!.
Industry RankSector Rank
Dividend Yield N/A

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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 2023-01-19/amc
Earnings (Next)04-20 2023-04-20/amc
Inst Owners0%
Inst Owner Change0%
Ins Owners0.6%
Ins Owner Change0%
Market Cap6.28B
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
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
ROICexcg growth 3YN/A
ROICexcg 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%