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Banque Cantonale Vaudoise (BCVN.SW)

CHF124.10 +0.20 (+0.16%)
CH SIX Financial Services Banks - Regional
Address Case postale 300 1001
Lausanne, CH
CEO Pascal Kiener
Website bcv.ch
IPO 2002-12-06
ISIN CH0531751755

Explore sections of this company profile

Also trades on Other OTC · BQCNF (USD) Swiss Exchange · BCVN.SW (CHF)
Description

Banque Cantonale Vaudoise (BCV), founded in 1845 and headquartered in Lausanne, Switzerland, delivers an extensive array of financial services. Its operations extend across Vaud Canton, the rest of Switzerland, the European Union, North America, and other international markets. The institution provides essential banking products such as checking, savings, and retirement accounts, alongside credit and payment cards. Its lending solutions cover mortgages, personal, home, business, and construction loans, complemented by specialized financing for production equipment, working capital, and international trade. BCV also offers sophisticated financial services, including investments and financial planning, with an online platform facilitating trading activities. It provides cash management solutions and tools to hedge against exchange rate and interest rate fluctuations. Asset management services are a key offering, as are investment and hedging products like currencies, equities, bonds, derivatives, and structured instruments. The bank conducts market transactions in equities, fixed-income instruments, foreign exchange, and precious metals on behalf of its clientele. Further expanding its offerings, BCV provides life and disability insurance, comprehensive online banking, and wealth management services for high-net-worth individuals, encompassing tax, estate, and financial planning, as well as retirement, life insurance, and disability coverages. Serving retail and business customers, as well as public sector institutions, BCV maintains a robust physical presence with approximately 63 branches and 220 ATMs.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CHF124.10 +0.20 (+0.16%)
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Volume Profile
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Liquidity & share structure
Average Volume
62.1K
Beta
0.01
Float Shares
27.97M
Free Float %
32.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.76% +0.34% -4.63% -0.34% +20.64% +13.75% +23.42% +30.41% +40.72% +70.29% +1,332.93%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
124.10
DCF (Unlevered) 158.24 +27.5%
DCF (Levered) 420.13 +238.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 0% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.35
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +22.5% Q4'25: -12.0% (vs Q4'23)
  • EPS growth
    -2.5% Q4'25: -6.4% (vs Q4'23)
  • FCF margin
    Q4'25: +66.8% (vs Q4'23)
  • EBIT margin
    Q4'25: +35.0% (vs Q4'23)
  • ROIC
    Q4'25: +16.4% (vs Q4'23)
  • Share dilution
    +0.0% Q4'25: +0.3% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 11.04× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.01) × ERP
WACC = 48% × Ke + 52% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 158.24 Current price: 124.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
1.01B
est: 1.01B (-0.3%)
1.02B
est: 1.03B (-0.7%)
971.80M
est: 1.03B (-5.3%)
950.20M
est: 1.01B (-5.7%)
957.30M
est: 1.00B (-4.6%)
1.01B
est: 1.02B (-0.9%)
961.10M
est: 988.00M (-2.7%)
974.40M
est: 976.00M (-0.2%)
965.70M
est: 974.30M (-0.9%)
973.60M
est: 991.05M (-1.8%)
949.80M
est: 950.23M (0.0%)
1.00B
est: 982.60M (+2.1%)
1.03B
est: 1.00B (+2.7%)
1.15B
est: 1.18B (-2.4%)
1.14B
est: 1.17B (-2.2%)
1.40B
est: 1.14B (+22.2%)
1.16B
1.16B – 1.16B
+1.4% YoY
1.19B
1.19B – 1.19B
+2.7% YoY
1.23B
1.23B – 1.23B
+3.4% YoY
1.97B
1.97B – 1.97B
+60.0% YoY
EBITDA
680.10M
est: 827.29M (-17.8%)
636.40M
est: 766.77M (-17.0%)
631.00M
est: 735.87M (-14.3%)
est: 726.54M (-100.0%)
579.50M
est: 674.98M (-14.1%)
611.40M
est: 654.19M (-6.5%)
563.50M
est: 693.59M (-18.8%)
473.30M
est: 618.16M (-23.4%)
506.80M
est: 583.95M (-13.2%)
490.50M
est: 625.93M (-21.6%)
445.60M
est: 565.81M (-21.2%)
513.20M
est: 580.88M (-11.7%)
518.90M
est: 589.99M (-12.0%)
est: 603.91M (-100.0%)
est: 334.62M (-100.0%)
585.30M
est: 327.92M (+78.5%)
332.62M
332.62M – 332.62M
+1.4% YoY
341.52M
341.52M – 341.52M
+2.7% YoY
353.23M
353.23M – 353.23M
+3.4% YoY
565.21M
565.21M – 565.21M
+60.0% YoY
EBIT
574.70M
est: 405.53M (+41.7%)
552.40M
est: 412.07M (+34.1%)
545.00M
est: 390.25M (+39.7%)
-86.00M
est: 395.82M (-121.7%)
499.50M
est: 362.65M (+37.7%)
536.40M
est: 375.80M (+42.7%)
491.50M
est: 430.02M (+14.3%)
403.30M
est: 389.70M (+3.5%)
437.80M
est: 401.51M (+9.0%)
419.50M
est: 445.76M (-5.9%)
377.50M
est: 401.10M (-5.9%)
441.20M
est: 411.77M (+7.1%)
448.90M
est: 418.23M (+7.3%)
-76.00M
est: 428.10M (-117.8%)
-81.90M
est: 258.03M (-131.7%)
503.60M
est: 252.86M (+99.2%)
256.49M
256.49M – 256.49M
+1.4% YoY
263.35M
263.35M – 263.35M
+2.7% YoY
272.38M
272.38M – 272.38M
+3.4% YoY
435.84M
435.84M – 435.84M
+60.0% YoY
Net Income
313.20M
est: 312.89M (+0.1%)
302.10M
est: 316.95M (-4.7%)
311.00M
est: 301.68M (+3.1%)
280.10M
est: 305.38M (-8.3%)
296.10M
est: 279.06M (+6.1%)
336.30M
est: 291.90M (+15.2%)
309.60M
est: 338.44M (-8.5%)
320.20M
est: 306.29M (+4.5%)
349.70M
est: 318.80M (+9.7%)
362.90M
est: 356.08M (+1.9%)
330.80M
est: 347.02M (-4.7%)
378.70M
est: 356.26M (+6.3%)
388.30M
est: 361.84M (+7.3%)
469.20M
est: 370.38M (+26.7%)
440.60M
est: 437.28M (+0.8%)
429.70M
est: 420.61M (+2.2%)
422.02M
422.02M – 422.02M
+0.3% YoY
449.84M
449.84M – 449.84M
+6.6% YoY
472.02M
472.02M – 472.02M
+4.9% YoY
483.60M
483.60M – 483.60M
+2.5% YoY
SGA
est: 703.95M (-100.0%)
est: 728.31M (-100.0%)
117.40M
est: 720.89M (-83.7%)
113.70M
est: 668.70M (-83.0%)
112.50M
est: 713.64M (-84.2%)
111.20M
est: 670.26M (-83.4%)
108.70M
est: 691.78M (-84.3%)
108.90M
est: 641.14M (-83.0%)
107.20M
est: 648.35M (-83.5%)
105.40M
est: 642.93M (-83.6%)
98.00M
est: 599.92M (-83.7%)
98.30M
est: 615.90M (-84.0%)
104.10M
est: 625.55M (-83.4%)
107.60M
est: 640.32M (-83.2%)
99.90M
est: 88.59M (+12.8%)
est: 86.82M (-100.0%)
88.06M
88.06M – 88.06M
+1.4% YoY
90.42M
90.42M – 90.42M
+2.7% YoY
93.52M
93.52M – 93.52M
+3.4% YoY
149.65M
149.65M – 149.65M
+60.0% YoY
EPS
3.65
est: 3.60 (+1.3%)
3.51
est: 3.58 (-2.0%)
3.61
est: 3.57 (+1.2%)
3.25
est: 3.47 (-6.4%)
3.44
est: 3.46 (-0.6%)
3.91
est: 3.53 (+10.8%)
3.60
est: 3.58 (+0.6%)
3.72
est: 3.66 (+1.6%)
4.08
est: 3.57 (+14.4%)
4.23
est: 4.13 (+2.4%)
3.85
est: 3.61 (+6.6%)
4.41
est: 4.03 (+9.4%)
4.52
est: 4.25 (+6.3%)
5.46
est: 5.68 (-3.8%)
5.13
est: 5.09 (+0.8%)
5.00
est: 4.90 (+2.1%)
4.91
4.91 – 4.91
+0.3% YoY
5.24
5.24 – 5.24
+6.6% YoY
5.49
5.49 – 5.49
+4.9% YoY
5.63
5.63 – 5.63
+2.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-28 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-27 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-26 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-22 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-21 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-20 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-19 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-18 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-15 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-13 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-12 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-11 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-08 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-07 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-06 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-05 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-04 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-30 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-29 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-28 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-27 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-24 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-23 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-22 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-21 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-20 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-17 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-16 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.25B
OE per share TTM
72.75
Owner's Yield
61.73%
Maintenance CapEx ratio
48.39%
Maint CapEx / Avg PPE
35.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 245 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
241.1K
Shares Outstanding
85.89M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Pascal Kiener Chief Executive Officer & Member of Management Board 2M male
Anne Maillard Head of Retail Banking & Member of the Executive Board female
Bertrand Sager Chief Credit Officer, Head of Credit Management Division & Member of the Executive Board male
Borcard Head of Internal Audit
Christian Meixenberger Head of Business Support & Member of the Executive Board male
Christian Steinmann Head of Private Banking & Member of Executive Board male
Corinne Baffou Communications Director
Eric Longchamp Member of Management Board
Fabrice Welsch Head of Asset Management & Trading Division and Member of the Executive Board male
Gregory Duong Investor Relations Officer male
J. A. Brinca Head of Strategy & Organization
José Francois Sierdo Head of the Retail Banking Division & Member of Executive Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits