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
Debt/Capital0.260.33
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)52.2551.61
Div / share0.00.0
EPS1.891.68
Book value / share69.7161.97
Institutional Own % n/a n/a
Avg Daily Volume525137.0541259.0

Valuation


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.


Price/Earnings
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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
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.

 
Price/Book
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.

 
Price/Sales
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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