SVB Financial Group

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SIVB : NASDAQ : Financial
$167.07 up 0.77 | 0.46%
Today's Range: 163.69 - 168.26
Avg. Daily Volume: 521600.0
08/18/17 - 3:28 PM ET

Financial Analysis

SVB FINANCIAL GROUP's gross profit margin for the second quarter of its fiscal year 2017 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 11.23% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)482.46406.77
EBITDA ($mil)276.36217.84
EBIT ($mil)262.48205.61
Net Income ($mil)123.1992.96

Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)3854.241854.46
Total Assets ($mil)48400.3843132.65
Total Debt ($mil)749.91299.55
Equity ($mil)3899.443505.58

Profitability Q2 FY17 Q2 FY16
Gross Profit Margin94.488.35
EBITDA Margin57.2853.55
Operating Margin54.4150.55
Sales Turnover0.040.04
Return on Assets0.890.79
Return on Equity11.169.73
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)52.6852.03
Div / share0.00.0
Book value / share74.0267.38
Institutional Own % n/a n/a
Avg Daily Volume531621.0535202.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.47 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.31. Conducting a second comparison, its price-to-book ratio of 2.33 indicates a discount versus the S&P 500 average of 3.03 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
SIVB 20.97 Peers 22.47   SIVB 13.84 Peers 13.99

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.


Average. 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 valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
SIVB 15.71 Peers 13.74   SIVB 0.91 Peers 1.73

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.


Discount. 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 significant discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
SIVB 2.33 Peers 1.26   SIVB 25.80 Peers 7.65

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 5.10 Peers 2.77   SIVB 15.13 Peers 5.03

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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