SVB Financial Group

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SIVB : NASDAQ : Financial
$170.84 -3.41 | -1.96%
Today's Range: 170.62 - 175.99
Avg. Daily Volume: 561600.0
06/23/17 - 4:14 PM ET

Financial Analysis


SVB FINANCIAL GROUP's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged 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 11.33% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)438.59377.79
EBITDA ($mil)222.23186.8
EBIT ($mil)209.84175.26
Net Income ($mil)101.4879.17


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)3795.681868.51
Total Assets ($mil)46413.3443573.9
Total Debt ($mil)800.63796.57
Equity ($mil)3764.333381.04


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin90.588.43
EBITDA Margin50.6749.44
Operating Margin47.8546.39
Sales Turnover0.040.03
Return on Assets0.870.76
Return on Equity10.759.89
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.180.19
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)52.4351.7
Div / share0.00.0
EPS1.911.52
Book value / share71.865.4
Institutional Own % n/a n/a
Avg Daily Volume616705.0488302.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 42.39 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.73. Conducting a second comparison, its price-to-book ratio of 2.50 indicates a discount versus the S&P 500 average of 3.08 and a premium versus the industry average of 1.27. 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 23.35 Peers 42.39   SIVB 19.66 Peers 14.12

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

SIVB is trading at a significant discount 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 16.27 Peers 13.81   SIVB 1.20 Peers 1.61

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 2.50 Peers 1.27   SIVB 19.75 Peers 4.03

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 5.51 Peers 2.90   SIVB 12.17 Peers 4.99

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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