SVB FINANCIAL GROUP (SIVB) Fundamental Analysis & Valuation

NASDAQ:SIVB • US78486Q1013

Current stock price

106.04 USD
-161.79 (-60.41%)
At close:
61.3 USD
-44.74 (-42.19%)
Pre-Market:

This SIVB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. SIVB Profitability Analysis

1.1 Basic Checks

  • In the past year SIVB was profitable.
  • SIVB had a positive operating cash flow in the past year.
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.
  • SIVB has a Return On Equity of 9.43%. This is in the lower half of the industry: SIVB underperforms 77.93% of its industry peers.
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

  • 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 2016 2017 2018 2019 2020 2021 2022 10 20 30

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2

2. SIVB Health Analysis

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 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

  • The Debt to FCF ratio of SIVB is 2.24, which is a good value as it means it would take SIVB, 2.24 years of fcf income to pay off all of its debts.
  • SIVB has a Debt to FCF ratio (2.24) which is comparable to the rest of the 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.
  • Although SIVB's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 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. SIVB Growth Analysis

3.1 Past

  • SIVB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.73%.
  • SIVB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.47% yearly.
  • The Revenue has been growing slightly by 5.01% in the past 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 Q2Q%-25.72%
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Sales Q2Q%1.87%

3.2 Future

  • SIVB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.63% yearly.
  • SIVB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.25% yearly.
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.
  • 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

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6

4. SIVB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.18, which indicates a rather cheap valuation of SIVB.
  • Compared to the rest of the industry, the Price/Earnings ratio of SIVB indicates a rather cheap valuation: SIVB is cheaper than 92.02% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of SIVB to the average of the S&P500 Index (27.95), we can say SIVB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.40 indicates a rather cheap valuation of SIVB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SIVB indicates a rather cheap valuation: SIVB is cheaper than 88.56% of the companies listed in the same industry.
  • SIVB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.68.
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 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SIVB indicates a rather cheap valuation: SIVB is cheaper than 92.29% of the companies listed 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%

More info and screens

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

0

5. SIVB Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

SIVB Fundamentals: All Metrics, Ratios and Statistics

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 Number0 (-100%)
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 Fundamental Analysis 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.


What is the profitability of SIVB stock?

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


How financially healthy is SVB FINANCIAL GROUP?

The financial health rating of SVB FINANCIAL GROUP (SIVB) is 0 / 10.


Can you provide the dividend sustainability for SIVB stock?

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