SVB FINANCIAL GROUP (SIVB)
US78486Q1013 - Common Stock
We assign a fundamental rating of 3 out of 10 to SIVB. SIVB was compared to 411 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.
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.
In the past 5 years SIVB has always been profitable.
SIVB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SIVB (0.71%) is worse than 83.78% of its industry peers.
The Return On Equity of SIVB (9.43%) is worse than 77.93% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
SIVB has a worse Profit Margin (24.29%) than 71.81% of its industry peers.
SIVB's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for SIVB so they could not be analyzed.
| Industry Rank | Sector 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
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.
SIVB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SIVB has a worse debt to assets ratio.
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 (2.24) which is in line with 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'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.
Although SIVB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SIVB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.73%.
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.
SIVB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.73% yearly.
EPS 1Y (TTM)-19.73%
EPS 3Y5.27%
EPS 5Y20.47%
EPS growth Q2Q-25.72%
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Revenue growth Q2Q1.87%
3.2 Future
Based on estimates for the next years, SIVB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.63% on average per year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the 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 25.25, SIVB is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.40, the valuation of SIVB can be described as very cheap.
Based on the Price/Forward Earnings ratio, SIVB is valued cheaper than 88.56% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, SIVB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.18 | ||
| Fwd PE | 5.4 |
4.2 Price Multiples
92.29% of the companies in the same industry are more expensive than SIVB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-0.46%
EPS Next 3Y8.63%
5. Dividend
5.1 Amount
SIVB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SVB FINANCIAL GROUP
NASDAQ:SIVB (3/9/2023, 7:00:03 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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.28B
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 | 4.18 | ||
| Fwd PE | 5.4 | ||
| 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)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.43% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.29% | ||
| 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| 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)-19.73%
EPS 3Y5.27%
EPS 5Y
EPS growth Q2Q
EPS Next Y-22.48%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
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