SVB Financial Group

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SIVB : NASDAQ : Financial
$187.31 up 4.19 | 2.29%
Today's Range: 186.47 - 191.72
Avg. Daily Volume: 526600.0
04/24/17 - 4:00 PM ET

Financial Analysis

SVB FINANCIAL GROUP's gross profit margin for the fourth 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 13.89% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)420.84393.74
EBITDA ($mil)234.52202.71
EBIT ($mil)222.82191.21
Net Income ($mil)99.4787.51

Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)2545.751503.26
Total Assets ($mil)44683.6644686.7
Total Debt ($mil)1308.371571.6
Equity ($mil)3642.553198.13

Profitability Q4 FY16 Q4 FY15
Gross Profit Margin95.7789.48
EBITDA Margin55.7251.48
Operating Margin52.9548.56
Sales Turnover0.040.03
Return on Assets0.850.76
Return on Equity10.510.75
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)52.2551.61
Div / share0.00.0
Book value / share69.7161.97
Institutional Own % n/a n/a
Avg Daily Volume525137.0541259.0


BUY. The current P/E ratio indicates a premium compared to an average of 23.41 for the Commercial Banks industry and a value on par with the S&P 500 average of 24.92. Conducting a second comparison, its price-to-book ratio of 2.63 indicates a discount versus the S&P 500 average of 2.99 and a premium versus the industry average of 1.26. 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
SIVB 25.10 Peers 23.41   SIVB 21.89 Peers 7.49

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

SIVB is trading at a valuation on par with 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.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
SIVB 16.50 Peers 80.68   SIVB 1.24 Peers 1.37

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

SIVB is trading at a significant discount to its peers.


Average. 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 valuation on par to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
SIVB 2.63 Peers 1.26   SIVB 10.42 Peers 6.94

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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
SIVB 5.81 Peers 2.69   SIVB 8.58 Peers 4.72

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.


Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

SIVB has a sales growth rate that significantly exceeds its peers.



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