SVB FINANCIAL GROUP (SIVB) Stock Fundamental Analysis
USA - NASDAQ:SIVB - US78486Q1013 - Common Stock
106.04 USD
-161.79 (-60.41%)
61.3 USD
-44.74 (-42.19%)
Overall SIVB gets a fundamental rating of 3 out of 10. We evaluated SIVB against 390 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.
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.
Each year in the past 5 years SIVB has been profitable.
Each year in the past 5 years SIVB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.71%, SIVB is not doing good in the industry: 83.78% of the companies in the same industry are doing better.
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
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.
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.
The number of shares outstanding for SIVB has been increased compared to 1 year 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's Debt to FCF ratio of 2.24 is in line compared to the rest of the industry. SIVB outperforms 58.51% of 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.
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 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.
SIVB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.47% yearly.
SIVB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.01%.
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
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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.
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.
SIVB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
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.
The average S&P500 Price/Forward Earnings ratio is at 31.86. SIVB is valued rather cheaply when compared to this.
| 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
No dividends for SIVB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
106.04
-161.79 (-60.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 FAQ
What is the ChartMill fundamental rating of SVB FINANCIAL GROUP (SIVB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to SIVB.
Can you provide the valuation status for SVB FINANCIAL GROUP?
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.
What is the financial health of SVB FINANCIAL GROUP (SIVB) stock?
The financial health rating of SVB FINANCIAL GROUP (SIVB) is 0 / 10.
What is the expected EPS growth for SVB FINANCIAL GROUP (SIVB) stock?
The Earnings per Share (EPS) of SVB FINANCIAL GROUP (SIVB) is expected to decline by -22.48% in the next year.