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Silvergate Capital Corporation logo
Silvergate Capital Corporation SI
$ 21.91 2.48%
report update icon

Quarterly report 2022-Q3
added 05-30-2026

Silvergate Capital Corporation Financial Ratios 2021-2011 | SI

Brief overview of Silvergate Capital Corporation's financial ratios

The comparison uses the five latest available annual observations between 2019 and 2021.

Key multiples at the end of the period are P/E 35.1x (median 66.8x), P/B 1.71x (median 1.71x). Valuation is roughly 23.7% below five-year reference levels. The discount may reflect opportunity or higher perceived risk.

At the current P/E, inverse earnings yield is 2.8%, a useful bridge between price and business earnings.

Current measures of operating quality are ROE 4.9%, ROA 0.5%. Efficiency ratios are restrained, with capital and assets producing modest returns.

Price, earnings and growth produce a PEG of 13.17x. A high value reduces the cushion if growth slows.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

Overall picture

Silvergate Capital Corporation's discount may reflect genuine profitability issues rather than market inefficiency alone.

Annual Financial Ratios Silvergate Capital Corporation

2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
35.1 66.8 78.8 - - - - - - - -

P/S

- 19.6 3.6 - - - - - - - -

EPS

3.0 1.4 0.2 0.5 - - - - - - -

EV (Enterprise Value)

11.8 B 4.07 B 2.05 B 1.14 B 1.82 B 915 M - - - - -

EBITDA per Share

0.04 0.11 0.05 0.04 - - - - - - -

EV/EBITDA

11764.9 1937.7 2274.3 1626.6 - - - - - - -

PEG

- 13.17 0.7 - - - - - - - -

P/B

1.7 5.9 1.2 - - - - - - - -

P/CF

34.6 -3.6 -2.2 - - - - - - - -

ROE %

4.88 8.85 1.56 4.19 - - - - - - -

ROA %

0.49 0.47 0.17 0.40 - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 - - - - - - -

DSO

- 30.1 26.9 13.9 - - - - - - -

Operating Cycle

- 30.1 26.9 13.9 - - - - - - -

Cash Conversion Cycle

- 30.1 26.9 13.9 - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios Silvergate Capital Corporation

2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

- 1.28 1.14 0.79 - 0.89 0.81 0.56 0.49 0.38 0.29 0.24 0.2 0.37 0.29 0.53 0.45 0.35 0.25 0.28 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

7.74 9.93 9.08 8.15 6.38 9.48 9.77 9.41 9.42 7.88 8.28 8.47 10.76 13.40 13.79 14.10 12.07 3.28 2.54 2.05 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

0.70 0.88 0.77 0.69 0.52 0.68 0.77 0.83 0.86 0.86 0.90 0.91 1.17 1.40 1.40 0.44 0.40 0.31 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

- 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

DSO

- - - - - - - - - - - - - 82.9 - - - 135.6 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

- - - - - - - - - - - - - 83.4 - - - 135.6 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

- - - - - - - - - - - - - 83.4 - - - 135.6 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Silvergate Capital Corporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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