-1.09%
7.12%
5.94%
-0.44%
-17.65%
20.69%
12.76%
AI Spotlight on BCVN
Company Description
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.
Market Data
| Last Price | 91 |
| Change Percentage | -1.09% |
| Open | 91.4 |
| Previous Close | 92 |
| Market Cap ( Millions) | 7816 |
| Volume | 40257 |
| Year High | 111.2 |
| Year Low | 79.15 |
| M A 50 | 87.03 |
| M A 200 | 90.88 |
Financial Ratios
| FCF Yield | -1.73% |
| Dividend Yield | 4.73% |
| ROE | 11.99% |
| Debt / Equity | 239.65% |
| Net Debt / EBIDTA | -609.88% |
| Price To Book | 2.11 |
| Price Earnings Ratio | 17.36 |
| Price To FCF | -57.68 |
| Price To sales | 5.58 |
| EV / EBITDA | 6.85 |
News
- Apr -01 - Investors in Autoneum Holding (VTX:AUTN) have seen respectable returns of 40% over the past five years
- Mar -17 - Does APG|SGA (VTX:APGN) Deserve A Spot On Your Watchlist?
- Feb -11 - Banque Cantonale Vaudoise Reports Full Year 2023 Earnings
- Nov -20 - State or government account for 67% of Banque Cantonale Vaudoise's (VTX:BCVN) ownership, while individual investors account for 22%
- Jul -24 - Investing in Banque Cantonale Vaudoise (VTX:BCVN) five years ago would have delivered you a 64% gain
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Wealth Management
Expected Growth : 6.47 %
What the company do ?
Wealth Management from Banque Cantonale Vaudoise offers personalized investment solutions and portfolio management to high net worth individuals and families in Switzerland.
Why we expect these perspectives ?
The 6.47% growth in Wealth Management at Banque Cantonale Vaudoise is driven by increasing demand for discretionary portfolio management, robust investment performance, and strategic expansion into new markets. Additionally, the bank's digital transformation efforts, enhanced client experience, and strong relationships with independent asset managers have contributed to this growth.
Segment n°2 -> Corporate Banking
Expected Growth : 5.83 %
What the company do ?
Corporate Banking from Banque Cantonale Vaudoise offers tailored financial solutions to businesses, including cash management, trade finance, and lending services.
Why we expect these perspectives ?
Strong loan growth driven by increased corporate lending in Switzerland, particularly in the Vaud region, coupled with a rise in transaction banking activities and a growing demand for cash management services. Additionally, the bank's strategic focus on digitalization and innovation has enhanced its corporate banking offerings, attracting new clients and increasing revenue.
Segment n°3 -> Retail Banking
Expected Growth : 4.77 %
What the company do ?
Retail Banking from Banque Cantonale Vaudoise offers personalized banking services to individuals, including account management, credit cards, loans, and investment solutions.
Why we expect these perspectives ?
The 4.77% growth in Retail Banking at Banque Cantonale Vaudoise is driven by increasing demand for digital banking services, a strong mortgage market, and a growing customer base in the Vaud region. Additionally, the bank's focus on customer relationships, competitive pricing, and innovative product offerings have contributed to this growth.
Segment n°4 -> Corporate Center
Expected Growth : 4.77 %
What the company do ?
The Corporate Center from Banque Cantonale Vaudoise is a specialized unit providing tailored financial solutions to corporate clients in Switzerland.
Why we expect these perspectives ?
The 4.77% growth of Banque Cantonale Vaudoise's Corporate Center is driven by a strong Swiss economy, increasing demand for corporate banking services, and the bank's strategic expansion into new markets. Additionally, the center's focus on digital transformation, cost optimization, and risk management has improved operational efficiency, contributing to its growth.
Segment n°5 -> Trading
Expected Growth : 6.37 %
What the company do ?
Trading from Banque Cantonale Vaudoise refers to the bank's investment and trading services, offering clients access to global markets and financial products.
Why we expect these perspectives ?
Banque Cantonale Vaudoise's 6.37% growth is driven by strong loan growth, particularly in mortgages and corporate lending, as well as a solid asset management business. Additionally, the bank's focus on digitalization and cost control measures have contributed to improved operational efficiency, leading to increased profitability.
Banque Cantonale Vaudoise Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services for high net worth individuals, including investment advice, portfolio management, and wealth planning. |
| Corporate Banking | Financial solutions for businesses, including cash management, trade finance, and risk management. |
| Retail Banking | Everyday banking services for individuals, including current accounts, credit cards, and personal loans. |
| Mortgage Loans | Home financing solutions for individuals and businesses, including fixed-rate and variable-rate mortgages. |
| Investment Funds | A range of investment funds covering various asset classes, including equities, bonds, and real estate. |
| E-Banking | Online banking services allowing customers to manage their accounts, pay bills, and transfer funds remotely. |
| Credit Cards | A range of credit cards offering rewards, cashback, and travel insurance benefits. |
| Insurance Services | A range of insurance products, including life insurance, non-life insurance, and pension plans. |
Banque Cantonale Vaudoise's Porter Forces
Threat Of Substitutes
The threat of substitutes for Banque Cantonale Vaudoise is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers for Banque Cantonale Vaudoise is low due to the bank's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Banque Cantonale Vaudoise is medium due to the bank's dependence on technology providers and other third-party vendors.
Threat Of New Entrants
The threat of new entrants for Banque Cantonale Vaudoise is high due to the increasing trend of fintech startups and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Banque Cantonale Vaudoise is high due to the competitive Swiss banking industry and the presence of established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 80.94% |
| Debt Cost | 3.95% |
| Equity Weight | 19.06% |
| Equity Cost | 4.82% |
| WACC | 4.11% |
| Leverage | 424.77% |
Banque Cantonale Vaudoise : Quality Control
Banque Cantonale Vaudoise passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BMPS.MI | Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy. The company operates through Retail Banking, Corporate Banking, and Wealth Management segments. It offers … |
| OBS.VI | Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments. It provides savings, youth, student, and business accounts; … |
| UNI.MC | Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; … |
| BMED.MI | Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Unicaja Banco
A-Score
1-Year Total Return ->
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Banca Mediolanum
A-Score
1-Year Total Return ->
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BPER Banca
A-Score
1-Year Total Return ->
4
Monte dei Paschi
A-Score
1-Year Total Return ->
5
Oberbank
A-Score
1-Year Total Return ->
6
