Education
About Us
Working with TipRanks
Follow Us
Savi Financial Corporation (SVVB)
:SVVB
Top Page
Savi Financial
(SVVB)
Select Model
Select Model
Rating:54Neutral
Price Target:
$18.00
▲(1.24% Upside)
Savi Financial's overall stock score is primarily impacted by its financial performance challenges, including negative profitability and cash flow issues. While technical analysis shows positive momentum, the poor valuation due to a negative P/E ratio and lack of dividend yield further weighs down the score. The absence of earnings call data and corporate events means these factors do not influence the score.
Positive Factors
Strong Cash Position
A strong cash position with no debt provides financial flexibility, enabling Savi Financial to invest in growth opportunities and weather economic downturns.
Revenue Growth
Consistent revenue growth suggests successful market penetration and product adoption, supporting long-term business sustainability and competitive positioning.
Low Leverage
Low leverage reduces financial risk and interest burden, allowing Savi Financial to focus on operational improvements and strategic investments.
Negative Factors
Negative Profitability
Negative profitability indicates operational inefficiencies and challenges in cost management, which can hinder long-term growth and shareholder value.
Cash Flow Issues
Negative operating cash flow suggests difficulties in generating cash from core operations, potentially impacting the company's ability to fund growth and meet obligations.
Inconsistent Revenue
Volatile revenue growth reflects market and operational challenges, posing risks to financial stability and strategic planning.
Savi Financial (SVVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
N/A
Dividend YieldN/A
Average Volume (3M)N/A
Price to Earnings (P/E)―
Beta (1Y)N/A
Revenue Growth15.76%
EPS Growth-2530.99%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryN/A
Share Statistics
EPS (TTM)-0.34
Shares OutstandingN/A
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)1.45
Price to Sales (P/S)2.27
P/FCF Ratio-22.71
Enterprise Value/Market CapN/A
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/Ebitda0.00
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Savi Financial Business Overview & Revenue Model
Company DescriptionSavi Financial (SVVB) is a financial services company specializing in providing innovative financial solutions and investment services. The company operates primarily in the financial technology and investment sectors, offering a range of products including digital banking services, asset management, and financial advisory services to both individual and institutional clients. Savi Financial is committed to leveraging technology to enhance customer experience and streamline financial processes.
How the Company Makes MoneySavi Financial generates revenue through several key streams. Its primary revenue model includes fees from asset management services, where the company earns a percentage of the assets under management (AUM). Additionally, Savi Financial charges transaction fees for its digital banking services, such as payment processing and fund transfers. The company also earns advisory fees from financial planning and investment consulting services provided to clients. Strategic partnerships with fintech platforms and financial institutions enhance its service offerings, allowing for cross-selling opportunities that contribute to overall earnings. Furthermore, Savi Financial may explore revenue generation through subscription-based models for premium financial tools and services.
Savi Financial Financial Statement Overview
Summary
Savi Financial is facing significant challenges with profitability and cash flow, despite a strong cash position and low leverage. The company needs to address operational inefficiencies and improve revenue stability to enhance its financial health. Continued negative net income and cash flow issues pose risks, requiring strategic action to improve financial performance.Income Statement
Savi Financial has experienced inconsistent revenue growth, with a recent decline from 2023 to 2024. The net profit margin is negative for 2024, indicating a loss-making year. Historically, EBIT margins have shown volatility, reflecting operational inefficiencies. The company's performance in generating revenue is unstable, and profitability remains a concern.45
Neutral
Balance Sheet
The balance sheet shows a strong cash position with no total debt in 2024, improving from past leverage. The equity ratio is relatively stable and positive, indicating a solid capital base. However, return on equity is negative due to the net loss, posing a challenge to shareholder returns.62
Positive
Cash Flow
Savi Financial's free cash flow has improved in 2024 compared to earlier years but remains negative. Operating cash flow remains negative, indicating cash generation from operations is a concern. The free cash flow to net income ratio is unfavorable due to a net loss, highlighting cash flow challenges.50
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.04M | 23.15M | 32.14M | 26.87M | 23.70M | 17.63M |
| Gross Profit | 24.82M | 23.15M | 23.28M | 25.23M | 22.43M | 13.78M |
| EBITDA | -1.14M | -497.74K | 1.10M | 5.62M | 5.45M | 2.45M |
| Net Income | -1.75M | -1.20M | 47.80K | 3.72M | 3.58M | 1.35M |
Balance Sheet | ||||||
| Total Assets | 623.64M | 634.21M | 593.48M | 523.84M | 479.52M | 409.99M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 48.67M | -52.50M | 20.18M | 65.51M | 27.45M |
| Total Debt | 52.50M | 69.06M | 70.06M | 54.63M | 7.50M | 25.00M |
| Total Liabilities | 585.76M | 597.99M | 556.29M | 487.57M | 441.88M | 375.76M |
| Stockholders Equity | 37.88M | 36.22M | 37.19M | 36.28M | 37.58M | 34.23M |
Cash Flow | ||||||
| Free Cash Flow | -1.54M | -2.31M | -4.48M | -3.48M | 1.14M | 1.22M |
| Operating Cash Flow | -1.54M | -1.82M | -198.70K | -2.26M | 934.54K | 2.45M |
| Investing Cash Flow | 0.00 | -25.57M | -54.24M | -88.37M | -4.83M | -91.57M |
| Financing Cash Flow | 0.00 | 42.05M | 68.27M | 45.30M | 41.96M | 95.30M |
Savi Financial Technical Analysis
Positive
17.78
Price Trends
17.68
Positive
16.83
Positive
16.09
Positive
Market Momentum
0.05
Positive
53.65
Neutral
53.58
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SVVB, the sentiment is Positive. The current price of 17.78 is above the 20-day moving average (MA) of 17.75, above the 50-day MA of 17.68, and above the 200-day MA of 16.09, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 53.65 is Neutral, neither overbought nor oversold. The STOCH value of 53.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SVVB.
Savi Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $74.36M | 13.91 | 5.50% | 1.98% | 1.03% | -35.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $60.84M | 25.54 | 2.72% | ― | 76.66% | ― | |
54 Neutral | ― | ― | -3.27% | ― | 15.76% | -2530.99% | |
47 Neutral | $57.93M | -22.22 | 0.22% | ― | 2.54% | -174.74% |
* Financial Sector Average
SVVB
Savi Financial
17.78
2.73
18.14%
BYFC
Broadway Financial
6.18
-0.98
-13.69%
FUSB
First US Bancshares
14.15
0.67
4.97%
FSEA
First Seacoast Bancorp
11.94
2.66
28.66%
CLST
Catalyst Bancorp
15.00
3.36
28.87%
NSTS
NSTS Bancorp
11.66
0.23
2.01%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.