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SVB FINANCIAL GROUP (SIVB) Stock Fundamental Analysis

NASDAQ:SIVB - Nasdaq - US78486Q1013 - Common Stock - Currency: USD

106.04  -161.79 (-60.41%)

Premarket: 61.3 -44.74 (-42.19%)

Fundamental Rating

3

Taking everything into account, SIVB scores 3 out of 10 in our fundamental rating. SIVB was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of SIVB have multiple concerns. SIVB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SIVB had positive earnings in the past year.
SIVB had a positive operating cash flow in the past year.
In the past 5 years SIVB has always been profitable.
In the past 5 years SIVB always reported a positive cash flow from operatings.
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's Return On Assets of 0.71% is on the low side compared to the rest of the industry. SIVB is outperformed by 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

SIVB's Profit Margin of 24.29% is on the low side compared to the rest of the industry. SIVB is outperformed by 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.
The Operating Margin and Gross Margin are not available for SIVB so they could not be analyzed.
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.
Compared to 1 year ago, SIVB has more shares outstanding
SIVB has a worse debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 2.24, SIVB perfoms like the industry average, 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.
With a Debt to Equity ratio value of 0.34, SIVB is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
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 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

SIVB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.73%.
The Earnings Per Share has been growing by 20.47% on average over the past years. This is a very strong growth
Looking at the last year, SIVB shows a small growth in Revenue. The Revenue has grown by 5.01% in the last year.
The Revenue has been growing by 25.73% on average over the past years. This is a very strong growth!
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

SIVB is valuated cheaply with a Price/Earnings ratio of 4.18.
Based on the Price/Earnings ratio, SIVB is valued cheaply inside the industry as 92.02% of the companies are valued more expensively.
SIVB is valuated cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.40, which indicates a rather cheap valuation of SIVB.
88.56% of the companies in the same industry are more expensive than SIVB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 20.44. 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

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SIVB is valued 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

SIVB does not give a dividend.
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 Change-99.75%
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%