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SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SIVBP - US78486Q2003

15.23 USD
-4.27 (-21.9%)
Last: 3/9/2023, 8:00:03 PM
15.15 USD
-0.08 (-0.53%)
Pre-Market: 3/10/2023, 8:32:19 AM
Fundamental Rating

3

SIVBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. SIVBP may be in some trouble as it scores bad on both profitability and health. SIVBP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year SIVBP was profitable.
  • In the past year SIVBP had a positive cash flow from operations.
SIVBP Yearly Net Income VS EBIT VS OCF VS FCFSIVBP 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

  • With a Return On Assets value of 0.71%, SIVBP is not doing good in the industry: 83.51% of the companies in the same industry are doing better.
  • SIVBP's Return On Equity of 9.43% is on the low side compared to the rest of the industry. SIVBP is outperformed by 77.66% 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
SIVBP Yearly ROA, ROE, ROICSIVBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

  • SIVBP has a Profit Margin of 24.29%. This is in the lower half of the industry: SIVBP underperforms 71.54% of its industry peers.
  • SIVBP's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SIVBP 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
SIVBP Yearly Profit, Operating, Gross MarginsSIVBP 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. Health

2.1 Basic Checks

  • SIVBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SIVBP has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, SIVBP has a worse debt to assets ratio.
SIVBP Yearly Shares OutstandingSIVBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
SIVBP Yearly Total Debt VS Total AssetsSIVBP 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 SIVBP is 2.24, which is a good value as it means it would take SIVBP, 2.24 years of fcf income to pay off all of its debts.
  • SIVBP's Debt to FCF ratio of 2.24 is in line compared to the rest of the industry. SIVBP outperforms 58.78% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that SIVBP is not too dependend on debt financing.
  • The Debt to Equity ratio of SIVBP (0.34) is worse than 74.20% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for SIVBP, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 2.24
Altman-Z N/A
ROIC/WACCN/A
WACC6.66%
SIVBP Yearly LT Debt VS Equity VS FCFSIVBP 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
SIVBP Yearly Current Assets VS Current LiabilitesSIVBP 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

  • The earnings per share for SIVBP have decreased strongly by -19.73% in the last year.
  • SIVBP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.47% yearly.
  • SIVBP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.01%.
  • SIVBP 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, SIVBP 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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
SIVBP Yearly Revenue VS EstimatesSIVBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SIVBP Yearly EPS VS EstimatesSIVBP 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.60, the valuation of SIVBP can be described as very cheap.
  • Based on the Price/Earnings ratio, SIVBP is valued cheaply inside the industry as 99.47% of the companies are valued more expensively.
  • SIVBP is valuated cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 0.78 indicates a rather cheap valuation of SIVBP.
  • SIVBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. SIVBP is cheaper than 99.73% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SIVBP to the average of the S&P500 Index (25.96), we can say SIVBP is valued rather cheaply.
Industry RankSector Rank
PE 0.6
Fwd PE 0.78
SIVBP Price Earnings VS Forward Price EarningsSIVBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SIVBP is valued cheaply inside the industry as 99.73% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.34
EV/EBITDA N/A
SIVBP Per share dataSIVBP 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)0.03
EPS Next 2Y-0.46%
EPS Next 3Y8.63%

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0

5. Dividend

5.1 Amount

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

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SVB FINANCIAL GROUP - SIVB 5 1/4 PERP / SIVBP FAQ

What is the ChartMill fundamental rating of SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) stock?

ChartMill assigns a fundamental rating of 3 / 10 to SIVBP.


Can you provide the valuation status for SVB FINANCIAL GROUP - SIVB 5 1/4 PERP?

ChartMill assigns a valuation rating of 10 / 10 to SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP). This can be considered as Undervalued.


What is the profitability of SIVBP stock?

SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) has a profitability rating of 0 / 10.


What is the earnings growth outlook for SVB FINANCIAL GROUP - SIVB 5 1/4 PERP?

The Earnings per Share (EPS) of SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) is expected to decline by -22.48% in the next year.


Can you provide the dividend sustainability for SIVBP stock?

The dividend rating of SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) is 0 / 10 and the dividend payout ratio is 10.8%.