Market Price

240.62 

3.53 1.5%

as of Sep 30 '20

52 Week Range:

127.40 270.95


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 four segments: Global Commercial Bank, SVB Private Bank, SVB Capital, and SVB Leerink. 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 debt fund investment services. 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, as well as cash and wealth management services. The SVB Capital segment provides venture capital investment services that manage funds on behalf of third party limited partner investors. The SVB Leerink segment engages in equity and convertible capital markets, mergers and acquisitions, equity research and sales, trading, and investment banking services. It operates through 30 offices in the United States; and offices in Canada, the United Kingdom, Israel, Germany, Denmark, India, Hong Kong, and China. 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 '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 27.30
30.15
35.31
41.02
42.47
53.45
61.52
68.76
76.84
93.64
114.04
growth rate 10.4% 17.1% 16.2% 3.5% 25.9% 15.1% 11.8% 11.8% 21.9% 21.8%
Earnings BIT 45.85
198.22
401.88
363.08
685.18
685.38
638.47
677.86
910.74
growth rate 332.3% 102.7% -9.7% 88.7% 0.0% -6.8% 6.2% 34.4%
Avg.PE 62.89
23.75
12.11
14.31
22.32
23.15
15.36
26.53
27.51
13.14
10.83
growth rate -62.2% -49.0% 18.2% 56.0% 3.7% -33.7% 72.7% 3.7% -52.2% -17.6%
ROA 0.20
0.63
0.92
0.82
0.88
0.80
0.82
0.86
1.02
1.80
1.78
growth rate 215.0% 46.0% -10.9% 7.3% -9.1% 2.5% 4.9% 18.6% 76.5% -1.1%
ROE 2.39
7.90
12.09
10.30
11.37
11.03
11.43
11.19
12.54
20.95
20.22
growth rate 230.5% 53.0% -14.8% 10.4% -3.0% 3.6% -2.1% 12.1% 67.1% -3.5%
ROIC 2.83
5.50
8.50
8.49
9.90
10.16
growth rate 94.4% 54.6% -0.1% 16.6% 2.6%
Leverage 11.38
13.75
12.72
12.44
13.44
13.96
13.97
12.27
12.25
11.13
11.58
growth rate 20.8% -7.5% -2.2% 8.0% 3.9% 0.1% -12.2% -0.2% -9.1% 4.0%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 376.85
326.87
465.11
20.09
48.66
62.57
55.95
55.81
47.66
growth rate -13.3% 42.3% -95.7% 142.2% 28.6% -10.6% -0.3% -14.6%
Acct.Payable 34,343.50
39,142.78
38,979.87
44,254.08
49,328.90
61,757.81
growth rate 14.0% -0.4% 13.5% 11.5% 25.2%
Cur.Assets 2,120.86
1,977.44
2,982.67
3,561.68
4,235.68
8,189.50
growth rate -6.8% 50.8% 19.4% 18.9% 93.4%
Total Assets 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
71,004.90
growth rate 36.5% 13.9% 14.0% 16.0% 48.9% 13.6% 0.0% 14.6% 11.2% 24.7%
Cash 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
6,176.66
growth rate -13.1% 288.0% 6.0% 9.5% -88.7% -28.2% 92.0% 7.9% 31.4% 106.4%
Inventory 0.56
growth rate
Cur.Liabilities 34,598.23
40,254.25
39,807.48
45,766.72
50,453.12
63,200.77
growth rate 16.4% -1.1% 15.0% 10.2% 25.3%
Liabilities 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
64,383.82
growth rate 38.8% 13.2% 13.8% 16.8% 44.3% 17.2% -1.1% 14.6% 10.2% 24.6%
LT Debt 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
347.99
growth rate 0.1% 0.1% 0.1% 0.1% -77.6% 76.5% -6.0% -7.2% 0.1% -50.0%
Equity 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
6,130.17
growth rate 13.0% 23.2% 16.6% 7.4% 43.1% 13.7% 13.9% 14.8% 22.4% 19.8%
Common Shares 34.00
42.00
44.00
45.00
46.00
50.00
52.00
52.00
53.00
54.00
52.00
growth rate 23.5% 4.8% 2.3% 2.2% 8.7% 4.0% 0.0% 1.9% 1.9% -3.7%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 15.10
27.10
30.86
34.26
30.00
42.43
53.92
53.31
50.88
45.87
65.48
growth rate 79.5% 13.9% 11.0% -12.4% 41.4% 27.1% -1.1% -4.6% -9.9% 42.8%
Cash Dividends 12.10
0.00
0.00
0.00
0.00
growth rate -100.0%
Cash From OA 87.00
163.20
166.39
196.11
171.78
255.27
339.20
471.76
646.87
933.56
1,164.13
growth rate 87.6% 2.0% 17.9% -12.4% 48.6% 32.9% 39.1% 37.1% 44.3% 24.7%
FCF per Share 3.36
3.20
1.86
3.62
3.18
5.00
4.14
5.84
10.95
13.38
16.84
growth rate -4.8% -41.9% 94.6% -12.2% 57.2% -17.2% 41.1% 87.5% 22.2% 25.9%
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 115.00
136.00
136.00
162.00
142.00
213.00
286.00
385.00
529.00
888.00
1,099.00
growth rate 18.3% 0.0% 19.1% -12.4% 50.0% 34.3% 34.6% 37.4% 67.9% 23.8%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 479.90
665.70
947.72
984.26
1,402.83
1,369.35
1,383.54
1,500.40
1,882.57
2,551.10
3,220.62
growth rate 38.7% 42.4% 3.9% 42.5% -2.4% 1.0% 8.5% 25.5% 35.5% 26.2%
Op.Income 45.80
198.20
171.90
175.10
214.52
681.37
629.03
670.88
906.98
1,405.99
1,639.19
growth rate 332.8% -13.3% 1.9% 22.5% 217.6% -7.7% 6.7% 35.2% 55.0% 16.6%
IBT 45.85
198.22
401.88
363.08
691.61
662.17
603.57
640.60
874.64
1,362.91
1,610.40
growth rate 332.3% 102.7% -9.7% 90.5% -4.3% -8.9% 6.1% 36.5% 55.8% 18.2%
Net Income 48.00
95.00
171.90
175.10
214.52
263.87
343.90
382.69
490.51
973.84
1,136.86
growth rate 97.9% 81.0% 1.9% 22.5% 23.0% 30.3% 11.3% 28.2% 98.5% 16.7%
EPS 0.66
2.24
3.94
3.91
4.67
5.31
6.62
7.31
9.20
18.11
21.73
growth rate 239.4% 75.9% -0.8% 19.4% 13.7% 24.7% 10.4% 25.9% 96.9% 20.0%
Gross Profit 1,369.35
1,383.54
1,500.40
1,882.57
2,551.10
3,220.62
growth rate 1.0% 8.5% 25.5% 35.5% 26.2%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 67.05
49.52
47.66
growth rate -26.1% -3.8%
Acct.Payable 55,610.54
59,542.87
61,757.81
61,911.96
74,505.76
growth rate 7.1% 3.7% 0.3% 20.3%
Cur.Assets 10,046.41
8,179.41
8,189.50
11,620.50
growth rate -18.6% 0.1% 41.9%
Total Assets 63,773.74
68,231.23
71,004.90
75,009.64
85,730.99
growth rate 7.0% 4.1% 5.6% 14.3%
Cash 2,329.25
2,459.08
6,176.66
9,561.45
growth rate 5.6% 151.2% 54.8%
Inventory
growth rate
Cur.Liabilities 56,533.52
60,666.63
63,200.77
65,050.12
growth rate 7.3% 4.2% 2.9%
Liabilities 58,067.56
62,182.76
64,383.82
67,826.42
78,262.67
growth rate 7.1% 3.5% 5.4% 15.4%
LT Debt 696.97
697.23
347.99
348.08
843.22
growth rate 0.0% -50.1% 0.0% 142.3%
Equity 5,554.04
5,890.68
6,130.17
6,694.61
7,319.37
growth rate 6.1% 4.1% 9.2% 9.3%
Common Shares 0.05
0.05
0.05
0.05
0.05
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 13.13
15.24
31.61
growth rate 16.1% 107.4%
Cash Dividends
growth rate
Cash From OA 109.82
259.17
454.39
growth rate 136.0% 75.3%
Sale Purchase of Stock
growth rate
FCF 96.69
243.93
422.78
growth rate 152.3% 73.3%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 839.21
778.12
838.59
582.59
growth rate -7.3% 7.8% -30.5%
Op.Income 460.52
392.03
383.04
188.24
growth rate -14.9% -2.3% -50.9%
IBT 455.69
386.79
368.88
183.01
335.66
growth rate -15.1% -4.6% -50.4% 83.4%
Net Income 317.99
267.28
262.86
135.62
228.94
growth rate -16.0% -1.7% -48.4% 68.8%
EPS
growth rate
Gross Profit 839.21
778.12
838.59
582.59
growth rate -7.3% 7.8% -30.5%
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+ (94.55)

YOY Growth Grade:

B (80.34)

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 13.17 14.00 14.92
EPS / Growth 38.3% 17.18 8.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 19.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.0% 13.5% 13.5%
Future PE 13.17 18.35 18.35
Future EPS 36.92 60.85 60.85
Value Price
MOS %
120.20
-50.0%
275.99
14.7%
275.99
14.7%
MOS Price 60.10 138.00 138.00
IRT 9.26 7.73 7.73

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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