SVB Financial Group

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SIVB : NASDAQ : Financial
$167.22 up 2.2 | 1.3%
Today's Range: 163.5 - 167.363
Avg. Daily Volume: 545300.0
12/06/16 - 3:59 PM ET

Financial Analysis


SVB FINANCIAL GROUP's gross profit margin for the third quarter of its fiscal year 2016 has increased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 13.17% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)444.55373.27
EBITDA ($mil)251.97199.49
EBIT ($mil)240.62190.73
Net Income ($mil)111.0881.73


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)2521.321674.15
Total Assets ($mil)43274.0441730.98
Total Debt ($mil)798.39800.97
Equity ($mil)3593.053174.9


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin93.2188.34
EBITDA Margin56.6753.44
Operating Margin54.1351.1
Sales Turnover0.040.04
Return on Assets0.850.75
Return on Equity10.319.9
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.180.2
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)52.0651.49
Div / share0.00.0
EPS2.121.57
Book value / share69.0261.66
Institutional Own % n/a n/a
Avg Daily Volume543959.0565434.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 16.99 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.37. Conducting a second comparison, its price-to-book ratio of 2.39 indicates a discount versus the S&P 500 average of 2.81 and a premium versus the industry average of 1.18. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, SVB FINANCIAL GROUP proves to trade at a premium to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
SIVB 23.24 Peers 16.99   SIVB 23.37 Peers 11.87

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

SIVB is trading at a significant premium to its peers.

 

Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

SIVB is trading at a significant premium to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
SIVB 20.55 Peers 14.20   SIVB 2.59 Peers 2.15

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

SIVB is trading at a significant premium to its peers.

 

Premium. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

SIVB trades at a premium to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
SIVB 2.39 Peers 1.18   SIVB 16.96 Peers -39.69

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

SIVB is trading at a significant premium to its peers.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

SIVB is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
SIVB 5.29 Peers 2.86   SIVB 4.62 Peers 5.39

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

SIVB is trading at a significant premium to its industry.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

SIVB trails its peers on the basis of sales growth

 

 

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