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Banque Cantonale Vaudoise

Banque Cantonale Vaudoise

BCVN · SW · Financial Services / Banks - Regional

139.80CHF+0.40 (+0.29%)

Price History

Full chart

Market Stats

Previous Close139.40
Open140.00
Day Range139.60 – 140.80
52-Week Range88.66 – 135.20
Volume37.05K
Market Cap10.79B
P/E (TTM)24.53
Forward P/E19.23
EPS5.12
Dividend Yield3.50%
Beta0.01
50-Day Avg127.04
200-Day Avg119.22

About

Banque Cantonale Vaudoise engages in the provision of various financial services in Vaud Canton and rest of Switzerland, the European Union, North America, and internationally. It operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading. The company offers current, savings, foreign-currency, and retirement investment accounts; overdraft facilities; credit and payment cards; mortgage, personal, home, business, and construction loans; and production equipment financing and working capital and international trade finance products. It also provides a range of banking services, such as investments, real estate, financial planning services, and trading through its TradeDirect online platform; and cash management services, as well as instruments for hedging exchange-rate and interest-rate risk. In addition, the company offers asset and wealth management services; and investment and hedging products, such as currencies, equities, bonds, derivatives, and structured products. Further, it engages in the market transactions in equities, fixed-income instruments, forex, and precious metals on behalf of clients. Additionally, the company provides life insurance products, ATMs, and online banking services; manages finances and investments of high-net-worth individuals; and advisory services, such as tax planning, estate planning, and financial planning; and retirement, life insurance, and disability coverages. It primarily serves retail and business customers, and public sector institutions. Banque Cantonale Vaudoise was founded in 1845 and is headquartered in Lausanne, Switzerland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Pascal Kiener
  • Employees2.08K
  • HeadquartersPlace Saint-François 14, Lausanne, Switzerland, 1001, Switzerland
  • Websitehttps://www.bcv.ch

Leadership

  • Mr. Pascal KienerCEO & Member of Management Board · b. 1962
  • Dr. Thomas W. Paulsen Ph.D.CFO, Head of Finance & Risks and Member of the Executive Board · b. 1965
  • Mr. Bertrand SagerChief Credit Officer, Head of Credit Management Division & Member of the Executive Board · b. 1966
  • Mr. Christian MeixenbergerHead of Business Support & Member of the Executive Board · b. 1960
  • Mr. Andreas DiemantHead of Corporate Banking & Member of the Executive Board · b. 1968
  • Mr. Fabrice WelschHead of Asset Management & Trading Division and Member of the Executive Board · b. 1966
  • Mr. Christian SteinmannHead of Private Banking & Member of Executive Board · b. 1971
  • Eric LongchampMember of Management Board
  • Ms. Anne MaillardHead of Retail Banking & Member of the Executive Board · b. 1969
  • Mr. Gregory DuongInvestor Relations Officer

Financials

Income Statement

Currency: CHF2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue934.60M1.03B1.09B1.08B930.70M975.60M1.01B1.02B971.80M950.20M957.30M1.01B961.10M974.40M965.70M973.60M949.80M1.00B1.03B1.15B1.14B1.40B
Growth (%)-+10.28%+5.95%-0.81%-14.08%+4.82%+3.59%+0.80%-4.60%-2.22%+0.75%+5.17%-4.54%+1.38%-0.89%+0.82%-2.44%+5.66%+2.48%+12.28%-1.29%+22.46%
Cost of Revenue---------000000----23.40M-10.50M250.30M
Gross Profit934.60M1.03B1.09B1.08B930.70M975.60M1.01B1.02B971.80M950.20M957.30M1.01B961.10M974.40M965.70M973.60M949.80M1.00B1.03B1.13B1.15B1.15B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%97.97%100.92%82.07%
Operating Expense163.50M171.40M124.10M-48.10M-89.20M259.80M330.50M365.80M317.90M358.70M373.20M392.60M411.30M456.70M418.10M554.10M572.30M562.40M516.20M437.50M639.40M642.00M
Operating Income771.10M859.30M967.90M1.13B1.02B715.80M680.10M652.90M653.90M591.50M584.10M614.20M549.80M517.70M547.60M419.50M377.50M441.20M512.30M693.90M511.00M503.60M
Operating Margin82.51%83.37%88.64%104.44%109.58%73.37%67.30%64.09%67.29%62.25%61.02%61.01%57.21%53.13%56.70%43.09%39.75%43.96%49.81%60.09%44.83%36.08%
EBITDA547.72M831.80M907.50M906.70M770.60M671.80M680.10M636.40M631.00M578.20M579.50M611.40M563.50M473.30M506.80M490.50M445.60M513.20M518.90M620.00M597.80M585.30M
EBITDA Margin58.60%80.70%83.10%83.71%82.80%68.86%67.30%62.47%64.93%60.85%60.53%60.73%58.63%48.57%52.48%50.38%46.92%51.14%50.45%53.69%52.44%41.93%
Net Income334.90M454.20M530.20M473.40M356.30M300.60M313.20M302.10M311.00M280.10M296.10M336.30M309.60M320.20M349.70M362.90M330.80M378.70M388.30M469.20M440.60M429.70M
Net Income Margin35.83%44.07%48.55%43.70%38.28%30.81%30.99%29.66%32.00%29.48%30.93%33.40%32.21%32.86%36.21%37.27%34.83%37.73%37.75%40.63%38.65%30.78%
Interest Expense414.20M384.80M414.40M559.40M562.20M327.00M273.80M261.10M250.90M227.50M202.90M186.90M156.70M114.40M109.80M101.00M62.60M32.40M63.40M376.00M464.50M250.30M
Interest Expense % of Total Revenue44.32%37.33%37.95%51.64%60.41%33.52%27.09%25.63%25.82%23.94%21.20%18.56%16.30%11.74%11.37%10.37%6.59%3.23%6.16%32.56%40.75%17.93%

Balance Sheet

Currency: CHF2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.92B3.23B3.42B35.34B35.24B35.73B35.58B37.90B39.80B40.45B42.07B43.42B44.09B45.41B47.86B48.35B53.19B55.95B59.40B58.87B60.63B61.62B
Total Liabilities7.59B6.99B6.69B32.11B32.06B32.51B32.31B34.60B36.48B37.13B38.73B40.02B40.66B41.96B44.34B7.10B6.91B7.32B7.94B55.02B56.70B57.64B
Total Equity2.92B3.23B3.41B3.21B3.16B3.21B3.26B3.28B3.31B3.32B3.34B3.40B3.42B3.46B3.52B3.58B3.57B3.64B3.71B3.85B3.93B3.98B
Cash399.60M282.30M320.50M353.10M545.70M1.40B388.40M1.71B6.77B6.32B6.89B8.67B8.87B9.06B10.16B9.57B12.90B13.55B14.10B12.60B11.75B9.37B
Total Debt7.59B6.99B6.69B6.94B6.53B6.12B5.28B-5.97B6.20B6.50B6.91B7.29B8.10B8.12B10.30B12.64B12.73B7.94B16.38B9.45B11.15B
Net Debt7.19B6.71B6.37B6.59B5.99B4.71B4.90B-1.71B-796.00M-119.00M-384.00M-1.76B-1.58B-1.65B-2.90B-2.47B-5.98B-6.24B-6.16B3.11B-2.30B1.78B

Cash Flow

Currency: CHF2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow411.60M466.80M551.30M-574.90M-610.00M-1.97B933.00M2.58B-40.00M412.00M2.29B874.00M710.00M236.00M204.00M3.21B1.13B344.00M-189.00M6.12B551.00M
Investing Cash Flow-62.10M-48.60M-65.60M-59.40M-44.70M-65.50M-156.00M-44.00M-68.00M-55.00M-20.00M-42.00M-56.00M42.00M-55.00M-44.00M-57.00M-52.00M227.00M-2.65B-5.33B
Financing Cash Flow-95.90M-278.30M-467.00M666.90M847.30M2.89B545.00M485.00M42.00M-66.00M-370.00M-198.00M-108.00M-87.00M2.00M3.00M-24.00M24.00M-2.14B-1.48B2.87B
Capital Expenditure90.90M78.20M80.80M68.40M54.40M65.70M155.00M80.00M69.00M51.00M52.00M46.00M56.00M59.00M56.00M54.00M54.00M54.00M82.00M159.00M69.00M
Free Cash Flow320.70M388.60M470.50M-643.30M-664.40M-2.03B778.00M2.50B-109.00M361.00M2.24B828.00M654.00M177.00M148.00M3.15B1.07B290.00M-271.00M5.96B482.00M
Dividends Paid62.20M62.30M69.70M----86.00M86.00M86.00M86.00M86.00M86.00M86.00M301.00M310.00M310.00M318.00M327.00M370.00M379.00M
FCF to OCF77.92%83.25%85.34%111.90%108.92%103.34%83.39%96.90%272.50%87.62%97.73%94.74%92.11%75.00%72.55%98.32%95.22%84.30%143.39%97.40%87.48%
Dividend Paid to FCF19.40%16.03%14.81%----3.44%-78.90%23.82%3.84%10.39%13.15%48.59%203.38%9.83%28.84%109.66%-120.66%6.21%78.63%

Earnings

Report DateFeb 20, 2014May 1, 2014Aug 21, 2014Nov 13, 2014Feb 19, 2015Apr 23, 2015Aug 21, 2015Nov 12, 2015Feb 18, 2016Apr 21, 2016Aug 18, 2016Feb 16, 2017Aug 17, 2017Feb 15, 2018Apr 26, 2018Aug 23, 2018Nov 15, 2018Feb 21, 2019Apr 2, 2019Aug 22, 2019Nov 14, 2019Feb 27, 2020Apr 23, 2020Aug 20, 2020Nov 12, 2020Feb 18, 2021Apr 19, 2021Aug 19, 2021Nov 11, 2021Feb 17, 2022Apr 13, 2022Aug 18, 2022Nov 10, 2022Feb 9, 2023Apr 20, 2023Aug 17, 2023Nov 9, 2023Feb 8, 2024Apr 25, 2024Aug 21, 2024Nov 18, 2024Apr 8, 2025Aug 21, 2025Feb 25, 2027
EPS Estimate16.900.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00-0.00-0.00-0.000.000.000.000.000.000.000.000.00-
EPS Actual0.000.000.000.000.000.000.000.0018.180.0018.2817.7019.0318.170.0021.800.0018.840.0021.190.0020.970.001.840.002.020.002.020.004.410.002.290.002.230.000.000.000.000.000.000.000.000.00-
Surprise-100.00%-------------------------------------------
Timing-Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-market---Pre-marketPre-market----After-hoursAfter-hours-----After-hoursPre-marketPre-market--After-hoursPre-market-Pre-market----After-hours----Pre-market

Key Statistics & Ratios

Market Cap10.79B
Enterprise Value21.25B
Trailing P/E24.53
Forward P/E19.23
PEG Ratio6.06
Price / Sales9.28
Price / Book2.90
EPS5.12
Book Value46.28
Revenue (TTM)1.16B
Gross Profit (TTM)1.16B
Profit Margin37.85%
Operating Margin44.41%
Return on Equity11.61%
Return on Assets0.71%
Shares Outstanding85.89M
Shares Float28.06M
Beta0.01
Dividend Yield3.50%
Dividend Rate4.40
Payout Ratio85.89%

Dividends

20261×
4.40May 5, 2026
20251×
4.40May 12, 2025
20241×
4.30Apr 29, 2024
20231×
3.80May 8, 2023
20221×
3.70May 9, 2022
20211×
3.60May 3, 2021
20201×
3.60May 5, 2020
20191×
3.50May 6, 2019
20181×
2.30Apr 30, 2018
20171×
3.30May 2, 2017
20161×
2.30Apr 25, 2016
20151×
2.20Apr 27, 2015
20141×
2.20May 5, 2014
20131×
2.20Apr 29, 2013
20121×
2.20May 7, 2012
20111×
2.20May 9, 2011
20102×
1.00Jul 16, 20101.29May 3, 2010
20092×
1.00Jul 22, 20092.00May 6, 2009
20082×
3.25Jul 16, 20081.40Apr 29, 2008
20071×
0.70May 2, 2007
20061×
0.45May 3, 2006

Stock Splits

  • May 28, 202010:1