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Market Price

213.74 

-7.06 -3.2%

as of Jun 19 '19

52 Week Range:

177.70 333.74


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. The company operates through three segments: Global Commercial Bank, SVB Private Bank, and SVB Capital. The Global Commercial Bank segment offers deposit products, such as business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts, as well as merchant, remote capture, lockbox, electronic deposit capture, and fraud control services; credit products and services comprising term loans, equipment loans, asset-based loans, revolving lines of credit, accounts-receivable-based lines of credit, capital call lines of credit, and credit cards; and payment and cash management products and services, including wire transfer and automated clearing house payment, bill pay, debit and credit cards, account analysis, and disbursement, as well as online and mobile banking services. This segment also provides foreign exchange services; export, import, and standby letter of credit; investment services and solutions; investment advisory services; vineyard development loans; and equity valuation services, as well as invests in debt funds. The SVB Private Bank segment offers private banking services, such as mortgages, home equity and capital call lines of credit, restricted stock purchase loans, and other secured and unsecured lending products. The SVB Capital segment provides venture capital investment services that manage funds on behalf of third party limited partner investors. The company also offers asset and private wealth management, and private equity investment services. It operates through 27 offices in the United States; and offices in Hong Kong; Beijing and Shanghai, China; Frankfurt, Germany; Bengaluru, India; Herzliya Pituach, Israel; and London, England. SVB Financial Group was founded in 1983 and is headquartered in Santa Clara, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 23.41
27.30
30.15
35.31
41.02
42.47
53.45
61.52
68.76
76.84
93.64
growth rate 16.6% 10.4% 17.1% 16.2% 3.5% 25.9% 15.1% 11.8% 11.8% 21.9%
Earnings BIT 133.70
45.85
198.22
401.88
363.08
685.18
685.38
638.47
677.86
910.74
growth rate -65.7% 332.3% 102.7% -9.7% 88.7% 0.0% -6.8% 6.2% 34.4%
Avg.PE 11.45
62.89
23.75
12.11
14.31
22.32
23.15
15.36
26.53
27.51
13.14
growth rate 449.3% -62.2% -49.0% 18.2% 56.0% 3.7% -33.7% 72.7% 3.7% -52.2%
ROA 0.93
0.20
0.63
0.92
0.82
0.88
0.80
0.82
0.86
1.02
1.80
growth rate -78.5% 215.0% 46.0% -10.9% 7.3% -9.1% 2.5% 4.9% 18.6% 76.5%
ROE 10.79
2.39
7.90
12.09
10.30
11.37
11.03
11.43
11.19
12.54
20.95
growth rate -77.9% 230.5% 53.0% -14.8% 10.4% -3.0% 3.6% -2.1% 12.1% 67.1%
ROIC 7.01
2.83
5.50
8.50
8.49
9.90
10.16
growth rate -59.6% 94.4% 54.6% -0.1% 16.6% 2.6%
Leverage 13.06
11.38
13.75
12.72
12.44
13.44
13.96
13.97
12.27
12.25
11.13
growth rate -12.9% 20.8% -7.5% -2.2% 8.0% 3.9% 0.1% -12.2% -0.2% -9.1%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 376.85
326.87
465.11
20.09
48.66
62.57
55.95
55.81
growth rate -13.3% 42.3% -95.7% 142.2% 28.6% -10.6% -0.3%
Acct.Payable 34,343.50
39,142.78
38,979.87
44,254.08
49,328.90
growth rate 14.0% -0.4% 13.5% 11.5%
Cur.Assets 2,120.86
1,977.44
2,982.67
3,561.68
4,235.68
growth rate -6.8% 50.8% 19.4% 18.9%
Total Assets 10,018.30
12,841.40
17,527.80
19,968.89
22,766.12
26,417.19
39,337.87
44,686.70
44,683.66
51,214.47
56,927.98
growth rate 28.2% 36.5% 13.9% 14.0% 16.0% 48.9% 13.6% 0.0% 14.6% 11.2%
Cash 1,958.30
3,454.60
3,003.10
11,650.99
12,352.16
13,525.60
1,532.06
1,099.77
2,111.72
2,277.96
2,992.06
growth rate 76.4% -13.1% 288.0% 6.0% 9.5% -88.7% -28.2% 92.0% 7.9% 31.4%
Inventory 0.56
growth rate
Cur.Liabilities 34,598.23
40,254.25
39,807.48
45,766.72
50,453.12
growth rate 16.4% -1.1% 15.0% 10.2%
Liabilities 9,026.90
11,713.10
16,253.40
18,399.50
20,935.57
24,450.92
35,286.14
41,353.47
40,906.62
46,895.05
51,663.14
growth rate 29.8% 38.8% 13.2% 13.8% 16.8% 44.3% 17.2% -1.1% 14.6% 10.2%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
451.36
796.70
749.06
695.49
696.47
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -77.6% 76.5% -6.0% -7.2% 0.1%
Equity 991.40
1,128.30
1,274.40
1,569.39
1,830.56
1,966.27
2,813.07
3,198.13
3,642.55
4,179.80
5,116.21
growth rate 13.8% 13.0% 23.2% 16.6% 7.4% 43.1% 13.7% 13.9% 14.8% 22.4%
Common Shares 34.00
34.00
42.00
44.00
45.00
46.00
50.00
52.00
52.00
53.00
54.00
growth rate 0.0% 23.5% 4.8% 2.3% 2.2% 8.7% 4.0% 0.0% 1.9% 1.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 8.50
15.10
27.10
30.86
34.26
30.00
42.43
53.92
53.31
50.88
45.87
growth rate 77.7% 79.5% 13.9% 11.0% -12.4% 41.4% 27.1% -1.1% -4.6% -9.9%
Cash Dividends 0.00
12.10
0.00
0.00
0.00
0.00
growth rate -100.0%
Cash From OA 165.70
87.00
163.20
166.39
196.11
171.78
255.27
339.20
471.76
646.87
933.56
growth rate -47.5% 87.6% 2.0% 17.9% -12.4% 48.6% 32.9% 39.1% 37.1% 44.3%
FCF per Share 4.66
3.36
3.20
1.86
3.62
3.18
5.00
4.14
5.84
10.95
13.38
growth rate -27.9% -4.8% -41.9% 94.6% -12.2% 57.2% -17.2% 41.1% 87.5% 22.2%
Sale Purchase of Stock 36.87
29.28
54.68
457.01
22.41
26.15
3.47
growth rate -20.6% 86.8% 735.8% -95.1% 16.7% -86.7%
FCF 158.00
115.00
136.00
136.00
162.00
142.00
213.00
286.00
385.00
529.00
888.00
growth rate -27.2% 18.3% 0.0% 19.1% -12.4% 50.0% 34.3% 34.6% 37.4% 67.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 521.00
479.90
665.70
947.72
984.26
1,402.83
1,369.35
1,383.54
1,500.40
1,885.30
2,551.10
growth rate -7.9% 38.7% 42.4% 3.9% 42.5% -2.4% 1.0% 8.5% 25.7% 35.3%
Op.Income 107.40
45.80
198.20
171.90
175.10
214.52
681.37
629.03
670.88
909.71
1,405.99
growth rate -57.4% 332.8% -13.3% 1.9% 22.5% 217.6% -7.7% 6.7% 35.6% 54.6%
IBT 107.36
45.85
198.22
401.88
363.08
691.61
662.17
603.57
640.60
874.64
1,362.91
growth rate -57.3% 332.3% 102.7% -9.7% 90.5% -4.3% -8.9% 6.1% 36.5% 55.8%
Net Income 74.30
48.00
95.00
171.90
175.10
214.52
263.87
343.90
382.69
490.51
973.84
growth rate -35.4% 97.9% 81.0% 1.9% 22.5% 23.0% 30.3% 11.3% 28.2% 98.5%
EPS 2.16
0.66
2.24
3.94
3.91
4.67
5.31
6.62
7.31
9.20
18.11
growth rate -69.4% 239.4% 75.9% -0.8% 19.4% 13.7% 24.7% 10.4% 25.9% 96.9%
Gross Profit 1,369.35
1,383.54
1,500.40
1,885.30
2,551.10
growth rate 1.0% 8.5% 25.7% 35.3%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 290.43
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 47.98
57.74
61.09
55.81
64.43
growth rate 20.4% 5.8% -8.7% 15.5%
Acct.Payable 45,936.53
48,887.30
48,596.11
49,328.90
52,327.20
growth rate 6.4% -0.6% 1.5% 6.1%
Cur.Assets 3,324.64
3,395.28
4,562.50
4,235.68
7,967.53
growth rate 2.1% 34.4% -7.2% 88.1%
Total Assets 53,500.79
55,867.75
58,139.73
56,927.98
60,160.29
growth rate 4.4% 4.1% -2.1% 5.7%
Cash 1,866.00
2,028.92
1,599.96
2,992.06
2,068.13
growth rate 8.7% -21.1% 87.0% -30.9%
Inventory
growth rate
Cur.Liabilities 47,602.03
49,782.69
51,833.12
50,453.12
53,111.91
growth rate 4.6% 4.1% -2.7% 5.3%
Liabilities 48,941.06
51,062.90
53,069.69
51,663.14
54,676.46
growth rate 4.3% 3.9% -2.7% 5.8%
LT Debt 695.73
695.97
696.22
696.47
901.88
growth rate 0.0% 0.0% 0.0% 29.5%
Equity 4,415.45
4,657.65
4,924.37
5,116.21
5,342.77
growth rate 5.5% 5.7% 3.9% 4.4%
Common Shares 0.05
0.05
0.05
0.05
0.05
growth rate 0.0% 0.0% 0.0% -1.9%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 7.72
7.13
13.87
17.15
5.50
growth rate -7.6% 94.4% 23.7% -67.9%
Cash Dividends
growth rate
Cash From OA 348.40
-1.02
356.52
229.66
340.75
growth rate -100.0% 100.0% -35.6% 48.4%
Sale Purchase of Stock 2.10
growth rate
FCF 340.69
-8.16
342.66
212.51
335.25
growth rate -100.0% 100.0% -38.0% 57.8%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 547.41
630.05
686.12
687.52
764.71
growth rate 15.1% 8.9% 0.2% 11.2%
Op.Income 291.42
334.64
386.22
393.70
403.60
growth rate 14.8% 15.4% 1.9% 2.5%
IBT 281.99
324.31
376.67
379.93
399.05
growth rate 15.0% 16.1% 0.9% 5.0%
Net Income 194.96
237.80
274.82
266.26
288.73
growth rate 22.0% 15.6% -3.1% 8.4%
EPS
growth rate
Gross Profit 547.41
630.05
686.12
687.52
764.71
growth rate 15.1% 8.9% 0.2% 11.2%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (94.42)

YOY Growth Grade:

B (70.55)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.83 10.73 11.56
EPS / Growth 19.3% 19.91 9.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.3% 15.8% 15.8%
Future PE 11.56 18.66 18.66
Future EPS 48.59 86.26 86.26
Value Price
MOS %
138.86
-35.0%
397.84
86.1%
397.84
86.1%
MOS Price 69.43 198.92 198.92
IRT 7.28 6.14 6.14

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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