VP Bank AG

DB:3VFN Stock Report

Market Cap: €513.7m

VP Bank Past Earnings Performance

Past criteria checks 1/6

VP Bank's earnings have been declining at an average annual rate of -11.5%, while the Capital Markets industry saw earnings declining at 0.8% annually. Revenues have been growing at an average rate of 2.1% per year. VP Bank's return on equity is 2.7%, and it has net margins of 8.9%.

Key information

-11.5%

Earnings growth rate

-12.1%

EPS growth rate

Capital Markets Industry Growth15.2%
Revenue growth rate2.1%
Return on equity2.7%
Net Margin8.9%
Next Earnings Update13 Mar 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How VP Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:3VFN Revenue, expenses and earnings (CHF Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24341303000
31 Mar 24350373030
31 Dec 23359443050
30 Sep 23357443030
30 Jun 23355443010
31 Mar 23347422950
31 Dec 22339402890
30 Sep 22334412850
30 Jun 22330422810
31 Mar 22331462760
31 Dec 21332512720
30 Sep 21316542630
30 Jun 21301572550
31 Mar 21300492510
31 Dec 20300422480
30 Sep 20317472480
30 Jun 20334532490
31 Mar 20334632500
31 Dec 19335742500
30 Sep 19328672530
30 Jun 19321612550
31 Mar 19312582500
31 Dec 18303552450
30 Sep 18304592390
30 Jun 18305642330
31 Mar 18301652290
31 Dec 17298662250
30 Sep 17291652200
30 Jun 17283652160
31 Mar 17277622120
31 Dec 16270582090
30 Sep 16262532110
30 Jun 16254482130
31 Mar 16248562190
31 Dec 15243642260
30 Sep 15233572170
30 Jun 15222502080
31 Mar 15219352010
31 Dec 14215201930
30 Sep 14218201970
30 Jun 14220202010
31 Mar 14227281980

Quality Earnings: 3VFN has high quality earnings.

Growing Profit Margin: 3VFN's current net profit margins (8.9%) are lower than last year (12.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 3VFN's earnings have declined by 11.5% per year over the past 5 years.

Accelerating Growth: 3VFN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 3VFN had negative earnings growth (-31.7%) over the past year, making it difficult to compare to the Capital Markets industry average (11.6%).

Return on Equity

High ROE: 3VFN's Return on Equity (2.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/05 18:59
End of Day Share Price 2025/01/03 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

VP Bank AG is covered by 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tobias BrutschBank Vontobel AG
Thomas KalbermattenCredit Suisse
Rainer SkierkaResearch Partners AG