VPC Specialty Valuation
| VSL Stock | 14.85 0.05 0.34% |
At this time, the company appears to be overvalued. VPC Specialty Lending owns a latest Real Value of USD11.77 per share. The recent price of the company is USD14.85. Our model measures the value of VPC Specialty Lending from inspecting the company fundamentals such as shares outstanding of 278.28 M, and Return On Equity of -0.25 as well as reviewing its technical indicators and probability of bankruptcy.
Price Book 0.2808 | Enterprise Value 19.7 M | Price Sales 9.2521 | Enterprise Value Revenue 15.5723 |
Overvalued
Today
Please note that VPC Specialty's price fluctuation is somewhat reliable at this time. Calculation of the real value of VPC Specialty Lending is based on 3 months time horizon. Increasing VPC Specialty's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the VPC stock is determined by what a typical buyer is willing to pay for full or partial control of VPC Specialty Lending. Since VPC Specialty is currently traded on the exchange, buyers and sellers on that exchange determine the market value of VPC Stock. However, VPC Specialty's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 14.85 | Real 11.77 | Hype 14.11 | Naive 14.59 |
The real value of VPC Stock, also known as its intrinsic value, is the underlying worth of VPC Specialty Lending Company, which is reflected in its stock price. It is based on VPC Specialty's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of VPC Specialty's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of VPC Specialty Lending helps investors to forecast how VPC stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of VPC Specialty more accurately as focusing exclusively on VPC Specialty's fundamentals will not take into account other important factors: VPC Specialty Cash |
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VPC Specialty Total Value Analysis
VPC Specialty Lending is at this time forecasted to have takeover price of 19.74 M with market capitalization of 41.32 M, debt of 23.28 M, and cash on hands of . Please note that takeover price may be misleading and is a subject to mistakes in financial statements. We encourage investors to thoroughly investigate all of the VPC Specialty fundamentals before making investing decisions based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
19.74 M | 41.32 M | 23.28 M |
VPC Specialty Investor Information
About 25.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.28. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. VPC Specialty Lending recorded a loss per share of 0.17. The entity last dividend was issued on the 20th of May 2025. Based on the key measurements obtained from VPC Specialty's financial statements, VPC Specialty Lending is not in a good financial situation at this time. It has a very high probability of going through financial hardship in August.VPC Specialty Asset Utilization
One of the ways to look at asset utilization of VPC is to check how much profit was generated for every dollar of assets it reports. VPC Specialty Lending owns a negative utilization of current and long term assets of -0.22 %, losing USD0.002155 for each dollar of current and long term assets held by the company. Ineffective asset utilization indicates the company is being less competent with each dollar of current and long term assets it owns. Strictly speaking, asset utilization of VPC Specialty Lending shows how unsuccessful it operates for each dollar spent on its current and long term assets.VPC Specialty Ownership Allocation
VPC Specialty Lending secures a total of 278.28 Million outstanding shares. VPC Specialty Lending shows noticeable amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Since such a large part of the company is owned by insiders, it is advisable to analyze if each of these insiders have been buying or selling the stock in recent months. Please note that no matter how many assets the company retains, if the real value of the company is less than the current market value, you may not be able to make money on it.VPC Specialty Profitability Analysis
Net Loss for the year was (46.78 M) with loss before overhead, payroll, taxes, and interest of (40.05 M).VPC Specialty Past Distributions to stockholders
| 19th of December 2024 | ||
| 3rd of October 2024 | ||
| 18th of July 2024 | ||
| 21st of March 2024 | ||
| 21st of December 2023 | ||
| 28th of September 2023 | ||
| 27th of July 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates VPC Specialty's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in VPC Specialty and how it compares across the competition.
About VPC Specialty Valuation
The stock valuation mechanism determines VPC Specialty's current worth on a weekly basis. Our valuation model uses a comparative analysis of VPC Specialty. We calculate exposure to VPC Specialty's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of VPC Specialty's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | -44.8 M | -42.6 M |
VPC Specialty Quarterly Retained Earnings |
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When running VPC Specialty's price analysis, check to measure VPC Specialty's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy VPC Specialty is operating at the current time. Most of VPC Specialty's value examination focuses on studying past and present price action to predict the probability of VPC Specialty's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move VPC Specialty's price. Additionally, you may evaluate how the addition of VPC Specialty to your portfolios can decrease your overall portfolio volatility.
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