Savi Financial (SVVB) AI Stock Analysis

• Market Cap: $61.37M
• Dividend Yield: N/A
• Average Volume (3M): 1.17K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.28
• Revenue Growth: 15.76%
• EPS Growth: -2530.99%
• Country: US
• Employees: 142
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.34
• Shares Outstanding: 3,433,472
• 10 Day Avg. Volume: 2,933
• 30 Day Avg. Volume: 1,168
• PEG Ratio: 0.01
• Price to Book (P/B): 1.45
• Price to Sales (P/S): 2.27
• P/FCF Ratio: -22.71
• Enterprise Value/Market Cap: 1.96
• Enterprise Value/Revenue: 3.75
• Enterprise Value/Gross Profit: 4.84
• Enterprise Value/Ebitda: -104.95
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 53 Neutral
• Price Target: ―

Savi Financial's overall score reflects significant financial challenges, including profitability and cash flow issues. While the technical outlook is moderately positive, valuation concerns due to a negative P/E ratio and absence of dividends weigh heavily on the stock's attractiveness. Strategic improvements are necessary to enhance financial health and investor sentiment.

Savi Financial Business Overview & Revenue Model

Company Description

Savi 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 Money

Savi 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 faces significant challenges with profitability and cash flow, despite a strong cash position and low leverage. Revenue instability and negative net income are major concerns, requiring strategic improvements.

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.

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.

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.

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

• Technical Analysis Sentiment: Positive
• Last Price: 17.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 17.82 is above the 20-day moving average (MA) of 17.78, above the 50-day MA of 17.26, and above the 200-day MA of 15.90, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 58.09 is Neutral, neither overbought nor oversold. The STOCH value of 31.11 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	71 Outperform	$70.61M	12.65	5.99%	2.26%	2.84%	-31.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLST	57 Neutral	$55.05M	23.75	2.69%	―	107.33%	―
BYFC	54 Neutral	$63.71M	158.72	0.22%	―	2.54%	-174.74%
SVVB	53 Neutral	$61.37M	―	-3.27%	―	15.76%	-2530.99%