Banque Cantonale Vaudoise

$ 115.90 -0.26 %

Banque Cantonale Vaudoise (BCV), founded in 1845 and headquartered in Lausanne, Switzerland, delivers an extensive array of financial services. Its operations extend across Vaud Canton, the rest of Switzerland, the European Union, North America, and other international markets. The institution provides essential banking products such as checking, savings, and retirement accounts, alongside credit and payment cards. Its lending solutions cover mortgages, personal, home, business, and construction loans, complemented by specialized financing for production equipment, working capital, and international trade. BCV also offers sophisticated financial services, including investments and financial planning, with an online platform facilitating trading activities. It provides cash management solutions and tools to hedge against exchange rate and interest rate fluctuations. Asset management services are a key offering, as are investment and hedging products like currencies, equities, bonds, derivatives, and structured instruments. The bank conducts market transactions in equities, fixed-income instruments, foreign exchange, and precious metals on behalf of its clientele. Further expanding its offerings, BCV provides life and disability insurance, comprehensive online banking, and wealth management services for high-net-worth individuals, encompassing tax, estate, and financial planning, as well as retirement, life insurance, and disability coverages. Serving retail and business customers, as well as public sector institutions, BCV maintains a robust physical presence with approximately 63 branches and 220 ATMs.

CEO: Pascal Kiener - https://www.bcv.ch

Price objectif

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Recommandation

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DCF

$ 327.39

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BCVN.SW vs S&P500

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Quick ratio

0.24

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

23.18

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

5.00

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

8.33 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.37 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

4.36

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

2.80

means it relies more on debt, which can increase financial risk.

Free cash flow per share

5.59

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

117.57 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
-0.36 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.22 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.18 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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