Webster Financial Corporation
Find Ratings ReportsWEBSTER FINANCIAL CORP's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 7.86% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 996.96 | 845.77 |
EBITDA ($mil) | 348.96 | 419.2 |
EBIT ($mil) | 331.12 | 401.08 |
Net Income ($mil) | 185.39 | 244.75 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 1715.8 | 839.94 |
Total Assets ($mil) | 74945.25 | 71277.52 |
Total Debt ($mil) | 4089.66 | 7924.79 |
Equity ($mil) | 8690.0 | 8056.19 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 60.07 | 78.22 |
EBITDA Margin | 35.0 | 49.56 |
Operating Margin | 33.21 | 47.42 |
Sales Turnover | 0.05 | 0.04 |
Return on Assets | 1.15 | 0.9 |
Return on Equity | 9.8 | 7.8 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.32 | 0.5 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 172.02 | 174.01 |
Div / share | 0.4 | 0.4 |
EPS | 1.05 | 1.38 |
Book value / share | 50.52 | 46.3 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 1157833.0 | 1428384.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 0.95 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, WEBSTER FINANCIAL CORP proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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WBS 9.84 | Peers 17.75 | WBS 8.45 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. WBS is trading at a significant discount to its peers. |
Discount. 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. WBS is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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WBS 7.50 | Peers 13.86 | WBS 0.47 | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. WBS is trading at a significant discount 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. WBS trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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WBS 0.95 | Peers 8.64 | WBS 37.74 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. WBS is trading at a significant discount to its peers. |
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. WBS is expected to have an earnings growth rate that significantly exceeds its peers. |
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Price/Sales |
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Sales Growth |
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WBS 2.10 | Peers 4.87 | WBS 44.79 | Peers 44.87 | |||||||||||||||||||||
Discount. 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. WBS is trading at a significant discount to its subsector on this measurement. |
Average. Comparing a company's sales growth to its subsector helps to determine if the company is adding or losing market share. WBS is keeping pace with its peers on the basis of sales growth. |
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