106.04 USD
-161.79 (-60.41%)
61.3 USD
-44.74 (-42.19%)
Taking everything into account, SIVB scores 3 out of 10 in our fundamental rating. SIVB was compared to 383 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
- In the past year SIVB was profitable.
- SIVB had a positive operating cash flow in the past year.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.71%, SIVB is doing worse than 83.78% of the companies in the same industry.
- 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 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.
- SIVB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, SIVB has more shares outstanding
- The debt/assets ratio for SIVB is higher compared to a year ago.
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.
- A Debt/Equity ratio of 0.34 indicates that SIVB is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.34, SIVB is doing worse than 74.47% of the companies in the same industry.
- 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 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
- The earnings per share for SIVB have decreased strongly by -19.73% in the last year.
- The Earnings Per Share has been growing by 20.47% on average over the past years. This is a very strong growth
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 4.18 indicates a rather cheap valuation of SIVB.
- Based on the Price/Earnings ratio, SIVB is valued cheaper than 92.02% of the companies in the same industry.
- SIVB is valuated cheaply when we compare the Price/Earnings ratio to 27.21, 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.
- Based on the Price/Forward Earnings ratio, SIVB is valued cheaply inside the industry as 88.56% of the companies are valued more expensively.
- SIVB is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.18 | ||
| Fwd PE | 5.4 |
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 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
- No dividends for SIVB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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%.