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Market Price

93.70 

0.80 0.9%

as of Sep 30 '22

52 Week Range:

67.30 98.80


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

Banque Cantonale Vaudoise provides a range of financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. The company offers current, savings, and retirement accounts; credit and payment cards; mortgage, personal, home, business, and construction loans; and production equipment financing products, and working capital and international trade finance products. It also provides a range of banking products, such as investments, financial planning services, and trading through its online platform; and cash management services, as well as instruments for hedging exchange-rate and interest-rate risk; asset management services; and investment and hedging products, such as currencies, equities, bonds, derivatives, and structured products. In addition, the company engages in the market transactions in equities, fixed-income instruments, forex, and precious metals on behalf of clients. Further, it provides life and disability insurance products, and online banking services; manages finances and investments of high-net-worth individuals; tax planning, estate planning, and financial planning; and retirement, life insurance, and disability coverages. The company operates through a network of approximately 63 branches and 220 ATMs. It primarily serves retail and business customers, and public sector institutions. The company was founded in 1845 and is headquartered in Lausanne, Switzerland.

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 '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '18 Dec '19 Dec '20 Dec '21
Avg.PE 17.66
17.59
19.68
growth rate -0.4% 2.9%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 2,038.00
1,653.00
1,487.00
1,820.00
1,394.00
1,944.00
1,206.00
1,365.00
984.00
growth rate -18.9% -10.0% 22.4% -23.4% 39.5% -38.0% 13.2% -27.9%
Acct.Payable 27,203.00
28,251.00
28,532.00
28,877.00
29,245.00
31,375.00
33,048.00
35,424.00
38,195.00
growth rate 3.9% 1.0% 1.2% 1.3% 7.3% 5.3% 7.2% 7.8%
Cur.Assets 7,903.00
7,712.00
7,632.00
9,593.00
9,764.00
11,231.00
10,519.00
13,924.00
14,446.00
growth rate -2.4% -1.0% 25.7% 1.8% 15.0% -6.3% 32.4% 3.8%
Total Assets 39,800.00
40,454.00
41,819.00
43,418.00
44,085.00
47,863.00
48,352.00
53,186.00
55,952.00
growth rate 1.6% 3.4% 3.8% 1.5% 8.6% 1.0% 10.0% 5.2%
Cash 4,735.00
4,669.00
4,960.00
6,861.00
7,496.00
8,235.00
8,384.00
11,550.00
12,600.00
growth rate -1.4% 6.2% 38.3% 9.3% 9.9% 1.8% 37.8% 9.1%
Inventory 19.00
23.00
26.00
28.00
27.00
56.00
55.00
53.00
69.00
growth rate 21.1% 13.0% 7.7% -3.6% 107.4% -1.8% -3.6% 30.2%
Cur.Liabilities 27,841.00
28,844.00
30,737.00
31,844.00
34,411.00
37,007.00
37,549.00
42,604.00
45,366.00
growth rate 3.6% 6.6% 3.6% 8.1% 7.5% 1.5% 13.5% 6.5%
Liabilities 36,485.00
37,132.00
38,478.00
40,021.00
40,665.00
44,341.00
44,766.00
49,612.00
52,308.00
growth rate 1.8% 3.6% 4.0% 1.6% 9.0% 1.0% 10.8% 5.4%
LT Debt 8,412.00
8,066.00
7,652.00
8,137.00
6,191.00
7,251.00
7,097.00
6,913.00
6,740.00
growth rate -4.1% -5.1% 6.3% -23.9% 17.1% -2.1% -2.6% -2.5%
Equity 3,522.00
3,586.00
3,574.00
3,644.00
growth rate 1.8% -0.3% 2.0%
Common Shares 86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 25.00
23.00
13.00
6.00
7.00
7.00
7.00
9.00
7.00
growth rate -8.0% -43.5% -53.9% 16.7% 0.0% 0.0% 28.6% -22.2%
Cash Dividends 198.00
301.00
310.00
310.00
growth rate 52.0% 3.0% 0.0%
Cash From OA 2,370.00
310.00
-109.00
1,029.00
908.00
-175.00
-1,006.00
1,599.00
-1,556.00
growth rate -86.9% -100.0% 100.0% -11.8% -100.0% 0.0% 100.0% -100.0%
FCF 2,345.00
287.00
-122.00
1,023.00
901.00
-182.00
-1,013.00
1,590.00
-1,563.00
growth rate -87.8% -100.0% 100.0% -11.9% -100.0% 0.0% 100.0% -100.0%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '18 Dec '19 Dec '20 Dec '21
Sales 1,006.00
948.00
1,010.00
1,026.00
967.00
976.70
1,001.90
945.20
1,005.30
growth rate -5.8% 6.5% 1.6% -5.8% 1.0% 2.6% -5.7% 6.4%
Op.Income 311.00
343.00
379.00
399.00
386.00
402.90
419.00
372.80
428.80
growth rate 10.3% 10.5% 5.3% -3.3% 4.4% 4.0% -11.0% 15.0%
IBT 437.80
419.50
377.50
441.20
growth rate -4.2% -10.0% 16.9%
Net Income 311.00
280.00
296.00
336.00
310.00
349.70
362.90
330.80
378.70
growth rate -10.0% 5.7% 13.5% -7.7% 12.8% 3.8% -8.9% 14.5%
Gross Profit 1,006.00
948.00
1,010.00
1,026.00
967.00
976.70
1,001.90
945.20
1,005.30
growth rate -5.8% 6.5% 1.6% -5.8% 1.0% 2.6% -5.7% 6.4%

Quarterly Statements

Item Name Dec '16 Mar '21 Jun '21 Sep '21 Dec '21
Balance Sheet
Acct.Receivable 1,394.00
2,408.00
2,408.00
984.00
984.00
growth rate 72.7% 0.0% -59.1% 0.0%
Acct.Payable 29,245.00
37,175.00
37,175.00
38,195.00
38,195.00
growth rate 27.1% 0.0% 2.7% 0.0%
Cur.Assets 9,764.00
15,038.00
15,038.00
14,446.00
14,446.00
growth rate 54.0% 0.0% -3.9% 0.0%
Total Assets 44,085.00
55,564.00
55,564.00
55,952.00
55,952.00
growth rate 26.0% 0.0% 0.7% 0.0%
Cash 7,496.00
11,696.00
11,696.00
12,600.00
12,600.00
growth rate 56.0% 0.0% 7.7% 0.0%
Inventory 27.00
69.00
69.00
growth rate 36.7% 0.0%
Cur.Liabilities 34,411.00
44,731.00
44,731.00
45,366.00
45,366.00
growth rate 30.0% 0.0% 1.4% 0.0%
Liabilities 40,665.00
52,124.00
52,124.00
52,308.00
52,308.00
growth rate 28.2% 0.0% 0.4% 0.0%
LT Debt 6,191.00
7,228.00
7,228.00
6,740.00
6,740.00
growth rate 16.8% 0.0% -6.8% 0.0%
Equity 3,440.00
3,440.00
3,644.00
3,644.00
growth rate 0.0% 5.9% 0.0%
Common Shares 86.00
86.00
86.00
86.00
86.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '16 Mar '21 Jun '21 Sep '21 Dec '21
Income Statement Dec '16 Mar '21 Jun '21 Sep '21 Dec '21
Sales 237.00
246.60
246.60
256.05
256.05
growth rate 4.1% 0.0% 3.8% 0.0%
Op.Income 94.00
101.45
101.45
112.95
112.95
growth rate 7.9% 0.0% 11.3% 0.0%
IBT 101.55
101.55
119.05
119.05
growth rate 0.0% 17.2% 0.0%
Net Income 76.00
86.65
86.65
102.70
102.70
growth rate 14.0% 0.0% 18.5% 0.0%
Gross Profit 237.00
246.60
246.60
256.05
256.05
growth rate 4.1% 0.0% 3.8% 0.0%

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:

F (0.00)

YOY Growth Grade:

F (0.00)

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 24.31 24.31 2.35
EPS / Growth 3.9% 3.85 4.8%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 1.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.3% 3.3% 3.3%
Future PE 2.35 4.49 4.49
Future EPS 4.39 5.34 5.34
Value Price
MOS %
2.55
-97.3%
5.92
-93.7%
5.92
-93.7%
MOS Price 1.27 2.96 2.96
IRT 21.02 17.69 17.69

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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