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
Debt/Capital0.160.27
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)52.6852.03
Div / share0.00.0
EPS2.321.78
Book value / share74.0267.38
Institutional Own % n/a n/a
Avg Daily Volume531621.0535202.0

Valuation


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.


Price/Earnings
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.

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

 
Price/Book
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.

 
Price/Sales
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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