St. Galler Kantonalbank AG
St. Galler Kantonalbank AG Fundamental Analysis
St. Galler Kantonalbank AG (SGKN.SW) shows moderate financial fundamentals with a PE ratio of 17.89, profit margin of 27.16%, and ROE of 7.41%. The company generates $0.8B in annual revenue with weak year-over-year growth of -1.14%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -271.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SGKN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakSGKN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSGKN.SW trades at attractive valuation levels.
Growth Score
WeakSGKN.SW faces weak or negative growth trends.
Financial Health Score
WeakSGKN.SW carries high financial risk with limited liquidity.
Profitability Score
WeakSGKN.SW struggles to sustain strong margins.
Key Financial Metrics
Is SGKN.SW Expensive or Cheap?
P/E Ratio
SGKN.SW trades at 17.89 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SGKN.SW's PEG of -22.08 indicates potential undervaluation.
Price to Book
The market values St. Galler Kantonalbank AG at 1.30 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.71 times EBITDA. This signals the market has high growth expectations.
How Well Does SGKN.SW Make Money?
Net Profit Margin
For every $100 in sales, St. Galler Kantonalbank AG keeps $27.16 as profit after all expenses.
Operating Margin
Core operations generate 31.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.41 in profit for every $100 of shareholder equity.
ROA
St. Galler Kantonalbank AG generates $0.47 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
St. Galler Kantonalbank AG generates limited operating cash flow of $-1.17B, signaling weaker underlying cash strength.
Free Cash Flow
St. Galler Kantonalbank AG generates weak or negative free cash flow of $-1.17B, restricting financial flexibility.
FCF Per Share
Each share generates $-196.03 in free cash annually.
FCF Yield
SGKN.SW converts -28.87% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.89
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-22.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.30
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.06
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.31
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How SGKN.SW Stacks Against Its Sector Peers
| Metric | SGKN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.89 | 18.66 | Neutral |
| ROE | 7.41% | 806.00% | Weak |
| Net Margin | 27.16% | -451.00% (disorted) | Strong |
| Debt/Equity | 3.06 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.31 | 662.02 | Weak Liquidity |
| ROA | 0.47% | -24409.00% (disorted) | Weak |
SGKN.SW outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews St. Galler Kantonalbank AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-6.91%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
27.02%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-316.93%
Industry Style: Value, Dividend, Cyclical
Declining