Banque Cantonale de Genève SA Logo

Banque Cantonale de Genève SA

BCGE.SW

(3.0)
Stock Price

257,00 CHF

0.59% ROA

22.47% ROE

9.25x PER

Market Cap.

1.608.309.112,00 CHF

278.86% DER

2.43% Yield

29.96% NPM

Banque Cantonale de Genève SA Stock Analysis

Banque Cantonale de Genève SA Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banque Cantonale de Genève SA Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.95x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

ROE in an average range (10.69%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.59%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

8 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

9 Buffet Intrinsic Value

The company's stock seems undervalued (669) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (279%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Banque Cantonale de Genève SA Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banque Cantonale de Genève SA Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Banque Cantonale de Genève SA Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banque Cantonale de Genève SA Revenue
Year Revenue Growth
2003 273.021.000
2004 269.138.000 -1.44%
2005 294.513.000 8.62%
2006 318.422.000 7.51%
2007 325.253.000 2.1%
2008 332.089.000 2.06%
2009 333.509.000 0.43%
2010 330.674.000 -0.86%
2011 336.960.000 1.87%
2012 346.581.000 2.78%
2013 336.745.000 -2.92%
2014 357.253.000 5.74%
2015 346.847.000 -3%
2016 349.508.000 0.76%
2017 361.906.000 3.43%
2018 407.758.000 11.24%
2019 407.990.000 0.06%
2020 366.773.000 -11.24%
2021 431.979.000 15.09%
2022 475.872.000 9.22%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banque Cantonale de Genève SA Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banque Cantonale de Genève SA General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 48.412.000 100%
2007 47.128.000 -2.72%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 31.993.000 100%
2013 28.561.000 -12.02%
2014 30.904.000 7.58%
2015 31.887.000 3.08%
2016 32.878.000 3.01%
2017 35.439.000 7.23%
2018 35.677.000 0.67%
2019 38.198.000 6.6%
2020 37.075.000 -3.03%
2021 40.403.000 8.24%
2022 860.000 -4598.02%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banque Cantonale de Genève SA EBITDA
Year EBITDA Growth
2003 284.680.000
2004 278.096.000 -2.37%
2005 284.872.000 2.38%
2006 290.811.000 2.04%
2007 316.895.000 8.23%
2008 314.695.000 -0.7%
2009 246.475.000 -27.68%
2010 203.449.000 -21.15%
2011 208.915.000 2.62%
2012 215.919.000 3.24%
2013 204.547.000 -5.56%
2014 198.157.000 -3.22%
2015 177.028.000 -11.94%
2016 165.859.000 -6.73%
2017 177.459.000 6.54%
2018 200.264.000 11.39%
2019 203.337.000 1.51%
2020 105.259.000 -93.18%
2021 171.148.000 38.5%
2022 249.032.000 31.27%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banque Cantonale de Genève SA Gross Profit
Year Gross Profit Growth
2003 273.021.000
2004 269.138.000 -1.44%
2005 294.513.000 8.62%
2006 318.422.000 7.51%
2007 325.253.000 2.1%
2008 332.089.000 2.06%
2009 333.509.000 0.43%
2010 330.674.000 -0.86%
2011 336.960.000 1.87%
2012 346.581.000 2.78%
2013 336.745.000 -2.92%
2014 357.253.000 5.74%
2015 346.847.000 -3%
2016 349.508.000 0.76%
2017 361.906.000 3.43%
2018 407.758.000 11.24%
2019 407.990.000 0.06%
2020 366.773.000 -11.24%
2021 431.979.000 15.09%
2022 475.872.000 9.22%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banque Cantonale de Genève SA Net Profit
Year Net Profit Growth
2003 7.192.000
2004 31.835.000 77.41%
2005 45.794.000 30.48%
2006 61.092.000 25.04%
2007 77.100.000 20.76%
2008 68.121.000 -13.18%
2009 71.588.000 4.84%
2010 56.442.000 -26.83%
2011 63.119.000 10.58%
2012 67.008.000 5.8%
2013 72.961.000 8.16%
2014 76.155.000 4.19%
2015 78.211.000 2.63%
2016 79.008.000 1.01%
2017 81.604.000 3.18%
2018 91.159.000 10.48%
2019 135.378.000 32.66%
2020 104.974.000 -28.96%
2021 125.213.000 16.16%
2022 175.888.000 28.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banque Cantonale de Genève SA Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 5 75%
2005 7 33.33%
2006 9 25%
2007 11 20%
2008 10 -11.11%
2009 10 10%
2010 8 -25%
2011 9 11.11%
2012 10 0%
2013 10 10%
2014 11 0%
2015 11 9.09%
2016 11 0%
2017 11 0%
2018 13 8.33%
2019 19 33.33%
2020 15 -28.57%
2021 17 17.65%
2022 24 29.17%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banque Cantonale de Genève SA Free Cashflow
Year Free Cashflow Growth
2006 532.000
2007 33.089.000 98.39%
2011 981.280.000 96.63%
2012 1.105.136.000 11.21%
2013 211.756.000 -421.89%
2014 -275.249.000 176.93%
2015 2.777.121.000 109.91%
2016 232.159.000 -1096.22%
2017 456.488.000 49.14%
2018 547.225.000 16.58%
2019 335.002.750 -63.35%
2020 2.058.544.000 83.73%
2021 431.477.000 -377.09%
2022 542.547.000 20.47%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banque Cantonale de Genève SA Operating Cashflow
Year Operating Cashflow Growth
2006 6.564.000
2007 51.006.000 87.13%
2011 991.633.000 94.86%
2012 1.110.064.000 10.67%
2013 211.756.000 -424.22%
2014 -271.848.000 177.9%
2015 2.785.508.000 109.76%
2016 243.463.000 -1044.12%
2017 467.795.000 47.96%
2018 554.917.000 15.7%
2019 338.899.500 -63.74%
2020 2.069.833.000 83.63%
2021 456.326.000 -353.59%
2022 560.526.000 18.59%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banque Cantonale de Genève SA Capital Expenditure
Year Capital Expenditure Growth
2006 6.032.000
2007 17.917.000 66.33%
2011 10.353.000 -73.06%
2012 4.928.000 -110.09%
2013 0 0%
2014 3.401.000 100%
2015 8.387.000 59.45%
2016 11.304.000 25.81%
2017 11.307.000 0.03%
2018 7.692.000 -47%
2019 3.896.750 -97.4%
2020 11.289.000 65.48%
2021 24.849.000 54.57%
2022 17.979.000 -38.21%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banque Cantonale de Genève SA Equity
Year Equity Growth
2003 729.795.000
2004 739.722.000 1.34%
2005 755.707.000 2.12%
2006 813.943.000 7.15%
2007 888.237.000 8.36%
2008 837.471.000 -6.06%
2009 882.109.000 5.06%
2010 905.942.000 2.63%
2011 949.673.000 4.6%
2012 1.000.752.000 5.1%
2013 1.057.984.000 5.41%
2014 1.115.521.000 5.16%
2015 1.169.193.000 4.59%
2016 1.226.027.000 4.64%
2017 1.292.199.000 5.12%
2018 1.354.922.000 4.63%
2019 1.421.736.000 4.7%
2020 1.486.341.000 4.35%
2021 1.577.222.000 5.76%
2022 1.713.651.000 7.96%
2023 1.787.998.000 4.16%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banque Cantonale de Genève SA Assets
Year Assets Growth
2003 15.291.100.000
2004 14.631.437.000 -4.51%
2005 12.783.086.000 -14.46%
2006 12.571.009.000 -1.69%
2007 12.498.462.000 -0.58%
2008 13.690.322.000 8.71%
2009 14.114.507.000 3.01%
2010 14.257.187.000 1%
2011 15.870.964.000 10.17%
2012 16.472.650.000 3.65%
2013 16.619.020.000 0.88%
2014 17.493.768.000 5%
2015 20.016.211.000 12.6%
2016 21.392.692.000 6.43%
2017 22.671.315.000 5.64%
2018 23.033.833.000 1.57%
2019 24.919.240.000 7.57%
2020 27.541.692.000 9.52%
2021 28.293.691.000 2.66%
2022 30.034.414.000 5.8%
2023 30.407.045.000 1.23%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banque Cantonale de Genève SA Liabilities
Year Liabilities Growth
2003 14.561.305.000
2004 13.891.715.000 -4.82%
2005 12.027.379.000 -15.5%
2006 11.757.066.000 -2.3%
2007 11.610.225.000 -1.26%
2008 12.852.851.000 9.67%
2009 13.232.398.000 2.87%
2010 13.351.245.000 0.89%
2011 14.921.291.000 10.52%
2012 15.471.898.000 3.56%
2013 15.561.036.000 0.57%
2014 16.378.247.000 4.99%
2015 18.847.018.000 13.1%
2016 20.166.665.000 6.54%
2017 21.379.116.000 5.67%
2018 21.678.911.000 1.38%
2019 23.497.504.000 7.74%
2020 4.492.255.000 -423.07%
2021 4.598.048.000 2.3%
2022 4.777.245.000 3.75%
2023 4.824.030.000 0.97%

Banque Cantonale de Genève SA Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
66.09
Net Income per Share
24.43
Price to Earning Ratio
9.25x
Price To Sales Ratio
3.38x
POCF Ratio
2.9
PFCF Ratio
2.96
Price to Book Ratio
0.95
EV to Sales
-3.14
EV Over EBITDA
-5.99
EV to Operating CashFlow
-2.66
EV to FreeCashFlow
-2.75
Earnings Yield
0.11
FreeCashFlow Yield
0.34
Market Cap
1,61 Bil.
Enterprise Value
-1,49 Bil.
Graham Number
361.64
Graham NetNet
435.92

Income Statement Metrics

Net Income per Share
24.43
Income Quality
3.19
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
1.68
EBT Per Ebit
0.55
Ebit per Revenue
0.33
Effective Tax Rate
-0.68

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.18
Net Profit Margin
0.3

Dividends

Dividend Yield
0.02
Dividend Yield %
2.43
Payout Ratio
0
Dividend Per Share
5.5

Operating Metrics

Operating Cashflow per Share
77.85
Free CashFlow per Share
75.35
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.04
Capex to Depreciation
-0.96
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
38.27
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.54
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-2.5

Balance Sheet

Cash per Share
1.094,23
Book Value per Share
237,93
Tangible Book Value per Share
3507.89
Shareholders Equity per Share
237.93
Interest Debt per Share
666.4
Debt to Equity
2.79
Debt to Assets
0.16
Net Debt to EBITDA
-12.45
Current Ratio
0
Tangible Asset Value
25,26 Bil.
Net Current Asset Value
3,15 Bil.
Invested Capital
2.79
Working Capital
7,93 Bil.
Intangibles to Total Assets
0
Average Receivables
0,04 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banque Cantonale de Genève SA Dividends
Year Dividends Growth
1995 9
1996 12 25%
1997 12 0%
1998 12 0%
1999 12 0%
2000 12 0%
2005 1 -1100%
2006 3 66.67%
2007 5 40%
2008 1 -400%
2009 6 83.33%
2010 7 0%
2011 5 -50%
2012 5 0%
2013 5 0%
2014 5 0%
2015 5 20%
2016 6 0%
2017 3 -150%
2018 3 0%
2019 3 33.33%
2020 4 0%
2021 8 57.14%
2022 5 -75%
2023 6 20%

Banque Cantonale de Genève SA Profile

About Banque Cantonale de Genève SA

Banque Cantonale de Genève SA provides a range of banking services to private, corporate, and institutional clients. The company offers current and individual accounts, savings accounts, safe deposit boxes, currencies, and bank cards; short, medium, and long term savings products; and pension planning, investment, private banking, housing finance, and consumer financing services. It also provides corporate finance, cash management, export, real estate and construction finance, international commodity trade finance, corporate advisory, and equity finance services. In addition, the company offers finance and cash management, asset management, and advisory services; financial services and market products for banks and insurance companies; and services to independent wealth managers. Further, it is involved in the real estate brokerage, assets transfer, online banking, and companies valuation and selling activities. Additionally, the company provides mortgage lending, and commercial and personal loans, as well as loans for international trade; and manages public offerings and placements in the financial markets. It operates through a network of 21 branches and 125 ATMs, as well as operates offices in Lausanne, Zurich, Basel, Lyon, Annecy, Paris, Dubai, and Hong Kong. The company was founded in 1816 and is headquartered in Geneva, Switzerland.

CEO
Mr. Blaise Goetschin
Employee
916
Address
Quai de l’Ile 17
Geneva, 1211

Banque Cantonale de Genève SA Executives & BODs

Banque Cantonale de Genève SA Executives & BODs
# Name Age
1 Mr. Yvan Nicolet
Head of General Accounting
70
2 Mr. Frederic Vernet
Head of the Finance (Chief Financial Officer), Deputy to the Chief Executive Officer, Chief Risk Officer & Member of Executive B
70
3 Ms. Virginie Fauveau
Head of the Corporate Division & Member of Management Board
70
4 Ms. Pierrette Jaton Klopfenstein
Head of the Geneva Division & Member of Executive Board
70
5 Mr. Michel Pasteur
Independent Non-Executive Director & Company Secretary
70
6 Mr. Yves Spörri
Head of the International Clients Division & Member of Executive Board
70
7 Mr. Philippe Marti
Head of the Legal & Compliance Division and Member of Management Board
70
8 Mr. Urs Ziegler
Head of Asset Management, Chief Investment Officer & Member of Executive Board
70
9 Mr. Jean-Marc Joris
Head of the Operations Division & Member of Executive Board
70
10 Mr. Blaise Goetschin
Chief Executive Officer & Chairman of Executive Board
70

Banque Cantonale de Genève SA Competitors