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Banque Profil de Gestion

SWX:BPDG
Snowflake Description

Adequate balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BPDG
SWX
CHF19M
Market Cap
  1. Home
  2. CH
  3. Diversified Financials
Company description

Banque Profil de Gestion SA provides private banking, investment banking, and capital market services in Switzerland. The last earnings update was 21 days ago. More info.


Add to Portfolio Compare Print
  • Banque Profil de Gestion has significant price volatility in the past 3 months.
BPDG Share Price and Events
7 Day Returns
3.9%
SWX:BPDG
16.6%
CH Capital Markets
10.7%
CH Market
1 Year Returns
-58.5%
SWX:BPDG
-25.5%
CH Capital Markets
-5.9%
CH Market
BPDG Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banque Profil de Gestion (BPDG) 3.9% -18.5% -40.5% -58.5% -70.7% -12%
CH Capital Markets 16.6% -18.3% -29.8% -25.5% -39.1% -54.5%
CH Market 10.7% -7.3% -13.9% -5.9% 2.6% -1.1%
1 Year Return vs Industry and Market
  • BPDG underperformed the Capital Markets industry which returned -25.5% over the past year.
  • BPDG underperformed the Market in Switzerland which returned -5.9% over the past year.
Price Volatility
BPDG
Industry
5yr Volatility vs Market

Value

 Is Banque Profil de Gestion undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Banque Profil de Gestion to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Banque Profil de Gestion.

SWX:BPDG Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= CHF3.99 * 0.7%
CHF0.03
Book Value of Equity per Share Median Book Value from the past 5 years. CHF3.99
Discount Rate (Cost of Equity) See below 4.1%
Perpetual Growth Rate 10-Year CH Government Bond Rate -0.6%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for SWX:BPDG
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year CH Govt Bond Rate -0.6%
Equity Risk Premium S&P Global 5.4%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.76
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.757 (1 + (1- 18%) (5.31%))
0.859
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.86
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.55% + (0.859 * 5.44%)
4.12%

Discounted Cash Flow Calculation for SWX:BPDG using Excess Returns Model Model

The calculations below outline how an intrinsic value for Banque Profil de Gestion is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

SWX:BPDG Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (0.7% – 4.12%) * CHF3.99)
CHF-0.14
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= CHF-0.14 / (4.12% - -0.55%)
CHF-2.91
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= CHF3.99 + CHF-2.91
CHF1.08
SWX:BPDG Discount to Share Price
Calculation Result
Value per share (CHF) From above. CHF1.08
Current discount Discount to share price of CHF1.32
= -1 x (CHF1.32 - CHF1.08) / CHF1.08
-22.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Banque Profil de Gestion is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Banque Profil de Gestion's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Banque Profil de Gestion's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
SWX:BPDG PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in CHF CHF-0.12
SWX:BPDG Share Price ** SWX (2020-03-31) in CHF CHF1.32
Switzerland Capital Markets Industry PE Ratio Median Figure of 13 Publicly-Listed Capital Markets Companies 16.85x
Switzerland Market PE Ratio Median Figure of 175 Publicly-Listed Companies 16.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Banque Profil de Gestion.

SWX:BPDG PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= SWX:BPDG Share Price ÷ EPS (both in CHF)

= 1.32 ÷ -0.12

-10.78x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banque Profil de Gestion is loss making, we can't compare its value to the CH Capital Markets industry average.
  • Banque Profil de Gestion is loss making, we can't compare the value of its earnings to the Switzerland market.
Price based on expected Growth
Does Banque Profil de Gestion's expected growth come at a high price?
Raw Data
SWX:BPDG PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -10.78x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Switzerland Capital Markets Industry PEG Ratio Median Figure of 9 Publicly-Listed Capital Markets Companies 1.13x
Switzerland Market PEG Ratio Median Figure of 125 Publicly-Listed Companies 1.69x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Banque Profil de Gestion, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Banque Profil de Gestion's assets?
Raw Data
SWX:BPDG PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in CHF CHF3.71
SWX:BPDG Share Price * SWX (2020-03-31) in CHF CHF1.32
Switzerland Capital Markets Industry PB Ratio Median Figure of 16 Publicly-Listed Capital Markets Companies 0.93x
Switzerland Market PB Ratio Median Figure of 216 Publicly-Listed Companies 1.33x
SWX:BPDG PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= SWX:BPDG Share Price ÷ Book Value per Share (both in CHF)

= 1.32 ÷ 3.71

0.36x

* Primary Listing of Banque Profil de Gestion.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banque Profil de Gestion is good value based on assets compared to the CH Capital Markets industry average.
X
Value checks
We assess Banque Profil de Gestion's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Banque Profil de Gestion has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Banque Profil de Gestion expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banque Profil de Gestion has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
5.9%
Expected Capital Markets industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Banque Profil de Gestion expected to grow at an attractive rate?
  • Unable to compare Banque Profil de Gestion's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Banque Profil de Gestion's earnings growth to the Switzerland market average as no estimate data is available.
  • Unable to compare Banque Profil de Gestion's revenue growth to the Switzerland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
SWX:BPDG Future Growth Rates Data Sources
Data Point Source Value (per year)
Switzerland Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 5.9%
Switzerland Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 1.8%
Switzerland Market Earnings Growth Rate Market Cap Weighted Average 8.7%
Switzerland Market Revenue Growth Rate Market Cap Weighted Average 2.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
SWX:BPDG Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in CHF Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
SWX:BPDG Past Financials Data
Date (Data in CHF Millions) Revenue Cash Flow Net Income *
2019-12-31 13 -1
2019-09-30 15 -1
2019-06-30 16 -15 -1
2019-03-31 16 -15 -1
2018-12-31 15 -14 0
2018-09-30 14 3 0
2018-06-30 13 21 1
2018-03-31 14 21 1
2017-12-31 14 21 2
2017-09-30 13 1
2017-06-30 12 27 1
2017-03-31 11 27 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Banque Profil de Gestion is high growth as no earnings estimate data is available.
  • Unable to determine if Banque Profil de Gestion is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
SWX:BPDG Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Banque Profil de Gestion Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SWX:BPDG Past Financials Data
Date (Data in CHF Millions) EPS *
2019-12-31
2019-09-30
2019-06-30 -0.12
2019-03-31 -0.07
2018-12-31 -0.03
2018-09-30 0.03
2018-06-30 0.08
2018-03-31 0.10
2017-12-31 0.12
2017-09-30 0.13
2017-06-30 0.14
2017-03-31 0.09

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Banque Profil de Gestion will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine Banque Profil de Gestion's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. Banque Profil de Gestion's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. Banque Profil de Gestion's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Banque Profil de Gestion's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Switzerland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Switzerland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Banque Profil de Gestion has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Banque Profil de Gestion performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Banque Profil de Gestion's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Banque Profil de Gestion does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Banque Profil de Gestion's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Banque Profil de Gestion's 1-year growth to the CH Capital Markets industry average as it is not currently profitable.
Earnings and Revenue History
Banque Profil de Gestion's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Banque Profil de Gestion Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SWX:BPDG Past Revenue, Cash Flow and Net Income Data
Date (Data in CHF Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 13.45 -0.58
2019-09-30 14.96 -0.93 7.37
2019-06-30 16.48 -1.27 14.75
2019-03-31 15.96 -0.80 13.90
2018-12-31 15.44 -0.33 13.06
2018-09-30 14.35 0.42 11.44
2018-06-30 13.27 1.17 9.83
2018-03-31 13.61 1.46 9.80
2017-12-31 13.94 1.75 9.78
2017-09-30 13.09 1.39 9.24
2017-06-30 12.24 1.04 8.70
2017-03-31 11.47 0.65 8.45
2016-12-31 10.70 0.26 8.19
2016-09-30 10.70 0.20 8.31
2016-06-30 10.70 0.14 8.43
2016-03-31 10.44 0.13 8.35
2015-12-31 10.18 0.11 8.28
2015-09-30 12.18 0.48 14.71
2015-06-30 10.49 0.11 9.91
2015-03-31 11.82 0.18 10.57
2014-12-31 11.87 0.14 8.46
2014-09-30 11.93 0.28 5.52
2014-06-30 11.93 0.27 5.56
2014-03-31 11.67 0.26 5.52
2013-12-31 11.73 0.26 5.52
2013-09-30 12.33 -0.14 7.83
2013-06-30 13.12 0.21 6.77

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Banque Profil de Gestion has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Banque Profil de Gestion has efficiently used its assets last year compared to the CH Capital Markets industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Banque Profil de Gestion improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Banque Profil de Gestion's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Banque Profil de Gestion has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Banque Profil de Gestion's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Banque Profil de Gestion's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Banque Profil de Gestion is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Banque Profil de Gestion's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Banque Profil de Gestion's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 224x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Banque Profil de Gestion Company Filings, last reported 3 months ago.

SWX:BPDG Past Debt and Equity Data
Date (Data in CHF Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31
2019-09-30 56.69 1.00 0.72
2019-06-30 56.69 1.00 0.72
2019-03-31 56.69 1.00 0.72
2018-12-31 57.29 4.36 4.01
2018-09-30 57.29 4.36 4.01
2018-06-30 59.56 2.47 0.78
2018-03-31 59.56 2.47 0.78
2017-12-31 60.89 1.06 0.19
2017-09-30 60.89 1.06 0.19
2017-06-30 60.02 3.31 0.41
2017-03-31 60.02 3.31 0.41
2016-12-31 59.06 1.51 1.82
2016-09-30 59.06 1.51 1.82
2016-06-30 58.93 2.89 1.51
2016-03-31 58.93 2.89 1.51
2015-12-31 58.80 1.38 0.35
2015-09-30 58.80 1.38 0.35
2015-06-30 58.93 2.56 21.84
2015-03-31 58.93 2.56 21.84
2014-12-31 58.68 3.32 1.04
2014-09-30 59.30 2.85 14.14
2014-06-30 59.30 2.85 14.14
2014-03-31 59.17 14.55 11.15
2013-12-31 59.17 14.55 0.65
2013-09-30
2013-06-30 59.03 6.56 10.56
  • Banque Profil de Gestion's level of debt (1.8%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (4.8% vs 1.8% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on Banque Profil de Gestion's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Banque Profil de Gestion's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Banque Profil de Gestion has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Banque Profil de Gestion's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Banque Profil de Gestion dividends.
If you bought CHF2,000 of Banque Profil de Gestion shares you are expected to receive CHF0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Banque Profil de Gestion's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Banque Profil de Gestion's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
SWX:BPDG Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Switzerland Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 5.7%
Switzerland Market Average Dividend Yield Market Cap Weighted Average of 159 Stocks 3.3%
Switzerland Minimum Threshold Dividend Yield 10th Percentile 1.3%
Switzerland Bottom 25% Dividend Yield 25th Percentile 2.1%
Switzerland Top 25% Dividend Yield 75th Percentile 4.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Banque Profil de Gestion has not reported any payouts.
  • Unable to verify if Banque Profil de Gestion's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Banque Profil de Gestion's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Banque Profil de Gestion has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Banque Profil de Gestion's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Banque Profil de Gestion afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Banque Profil de Gestion has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Banque Profil de Gestion's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Silvana Cavanna
COMPENSATION CHF490,000
TENURE AS CEO 10.7 years
CEO Bio

Mrs. Silvana Cavanna has been the Chief Executive Officer at Banque Profil de Gestion S.A. since July 2009 and serves as its Managing Director. She serves as Chairman of Management Committee at Banque Profil de Gestion SA since 2009. Mrs. Cavanna served as Deputy Director General of Societe Bancaire Privee SA. Mrs. Cavanna served as Director of Profilo Asset Management SGR S.p.A, Profilo Hedge SGR S.p.A and Profilo SGR S p A, are subsidiaries of Banca Profilo SpA. Mrs. Cavanna served as Director of Profilo Life S.p.A. Mrs. Cavanna served as Director of Banca Profilo SpA, since April 24, 2003. Mrs. Cavanna holds a Bachelor of Political Science from University of Milan.

CEO Compensation
  • Silvana's compensation has increased whilst company is loss making.
  • Silvana's remuneration is about average for companies of similar size in Switzerland.
Management Team Tenure

Average tenure of the Banque Profil de Gestion management team in years:

4
Average Tenure
  • The tenure for the Banque Profil de Gestion management team is about average.
Management Team

Silvana Cavanna

TITLE
Chair of Management Committee
COMPENSATION
CHF490K
TENURE
10.7 yrs

Nadia Wilde

TITLE
Head of the Finance Department
TENURE
6.2 yrs

Lorenzo Trentini

TITLE
Deputy CEO & Member of the Executive Board
TENURE
1.8 yrs

Patrick Cramer

TITLE
Deputy CEO

Karel Gaultier

TITLE
Deputy CEO

Alessandro Kuhn

TITLE
Deputy CEO & Member of the Executive Board
TENURE
1.2 yrs

Belen Magadan

TITLE
Senior Vice President

M. Pelé

TITLE
Senior Vice President

Patrizio Fabbris

TITLE
Senior Vice President

Angelo Cioffi

TITLE
Head of Tresory Capital Market
Board of Directors Tenure

Average tenure of the Banque Profil de Gestion board of directors in years:

1.5
Average Tenure
  • The average tenure for the Banque Profil de Gestion board of directors is less than 3 years, this suggests a new board.
Board of Directors

Fulvio Pelli

TITLE
Chairman of the Board
COMPENSATION
CHF67K
TENURE
1.8 yrs

Fabio Candeli

TITLE
Vice-Chairman of the Board of Directors
AGE
47
TENURE
1.2 yrs

Geneviève Berclaz

TITLE
Independent Director
COMPENSATION
CHF60K
TENURE
5.8 yrs

Mario Giuseppe Bellardi

TITLE
Independent Director
TENURE
0.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (CHF) Value (CHF)
X
Management checks
We assess Banque Profil de Gestion's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Banque Profil de Gestion has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Did Business Growth Power Banque Profil de Gestion's (VTX:BPDG) Share Price Gain of 136%?

Banque Profil de Gestion was able to grow its EPS at 21% per year over three years, sending the share price higher. … We'd be remiss not to mention the difference between Banque Profil de Gestion's total shareholder return (TSR) and its share price return. … We note that Banque Profil de Gestion's TSR, at 146% is higher than its share price return of 136%.

Simply Wall St -

How Should Investors Feel About Banque Profil de Gestion SA's (VTX:BPDG) CEO Pay?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Silvana Cavanna's Compensation Compare With Similar Sized Companies. … According to our data, Banque Profil de Gestion SA has a market capitalization of CHF46m, and pays its CEO total annual compensation worth CHF490k.

Simply Wall St -

Investors Who Bought Banque Profil de Gestion Shares Three Years Ago Are Now Up 186%

It might seem bad, but the worst that can happen when you buy a stock (without leverage) is that its share price goes to zero. … For example, the Banque Profil de Gestion SA (VTX:BPDG) share price has soared 186% in the last three years. … During three years of share price growth, Banque Profil de Gestion achieved compound earnings per share growth of 91% per year.

Simply Wall St -

Should We Worry About Banque Profil de Gestion SA's (VTX:BPDG) P/E Ratio?

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … We'll look at Banque Profil de Gestion SA's (VTX:BPDG) P/E ratio and reflect on what it tells us about the company's share price. … Banque Profil de Gestion has a price to earnings ratio of 40.9, based on the last twelve months.

Simply Wall St -

Should You Worry About Banque Profil de Gestion SA's (VTX:BPDG) CEO Pay Check?

Silvana Cavanna became the CEO of Banque Profil de Gestion SA (VTX:BPDG) in 2009. … How Does Silvana Cavanna's Compensation Compare With Similar Sized Companies. … At the time of writing our data says that Banque Profil de Gestion SA has a market cap of CHF46m, and is paying total annual CEO compensation of CHF440k.

Simply Wall St -

How Does Banque Profil de Gestion SA's (VTX:BPDG) Earnings Growth Stack Up Against Industry Performance?

After reading Banque Profil de Gestion SA's (VTX:BPDG) most recent earnings announcement (30 June 2018), I found it useful to look back at how the company has performed in the past and compare this against the latest numbers. … As a long-term investor I tend to focus on earnings trend, rather than a single number at one point in time. … How BPDG fared against its long-term earnings performance and its industry

Simply Wall St -

Banque Profil de Gestion SA (VTX:BPDG): The Best Of Both Worlds

Looking at the company as a whole, as a potential stock investment, I believe BPDG has a lot to offer. … is a company with great financial health as well as a. … Below, I've touched on some key aspects you should know on a high level

Simply Wall St -

How Does Banque Profil de Gestion SA (VTX:BPDG) Affect Your Portfolio Returns?

Generally, an investor should consider two types of risk that impact the market value of BPDG. … BPDG’s beta indicates it is a stock that investors may find valuable if they want to reduce the overall market risk exposure of their stock portfolio. … BPDG, with its market capitalisation of CHF48.71M, is a small-cap stock, which generally have higher beta than similar companies of larger size.

Simply Wall St -

Is Banque Profil de Gestion SA's (VTX:BPDG) PE Ratio A Signal To Sell For Investors?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for BPDG Price per share = CHF3.28 Earnings per share = CHF0.069 ∴ Price-Earnings Ratio = CHF3.28 ÷ CHF0.069 = 47.7x The P/E ratio isn’t a metric you view in isolation and only becomes useful when you compare it against other similar companies. … For example, if you accidentally compared lower growth firms with BPDG, then BPDG’s P/E would naturally be higher since investors would reward BPDG’s higher growth with a higher price. … Alternatively, if you inadvertently compared riskier firms with BPDG, BPDG’s P/E would again be higher since investors would reward BPDG’s lower risk with a higher price as well.

Simply Wall St -

Company Info

Description

Banque Profil de Gestion SA provides private banking, investment banking, and capital market services in Switzerland. The company offers wealth management services, including global risk reporting, asset liability management, and asset management services; and capital market services, such as institutional intermediation, advisory, and trading. It also provides merger and acquisition, capital raising and capital increase, and corporate and financial advisory services. In addition, the company offers financial engineering services and mortgages. It serves individuals, entrepreneurs, professional investors, and family offices. The company was founded in 1964 and is headquartered in Geneva, Switzerland. Banque Profil de Gestion SA is a subsidiary of Banca Profilo SpA.

Details
Name: Banque Profil de Gestion SA
BPDG
Exchange: SWX
Founded: 1964
CHF18,911,115
14,326,603
Website: http://www.bpdg.ch
Address: Banque Profil de Gestion SA
11, Cours de Rive,
PO Box 3668,
Geneva,
Geneva, 1211,
Switzerland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
SWX BPDG Bearer Shares SIX Swiss Exchange CH CHF 07. Apr 1995
Number of employees
Current staff
Staff numbers
41
Banque Profil de Gestion employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/31 23:15
End of day share price update: 2020/03/31 00:00
Last earnings filing: 2020/03/10
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.