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VSL

VPC Specialty Lending InvestmentsLSE:VSL Stock Report

Last Price

UK£0.92

Market Cap

UK£256.0m

7D

-0.6%

1Y

9.5%

Updated

19 Jan, 2022

Data

Company Financials
VSL fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance6/6
Financial Health5/6
Dividends3/6

VSL Stock Overview

VPC Specialty Lending Investments Plc specializes in opportunities within the specialty lending market primarily through online lending platforms.

Price History & Performance

Summary of all time highs, changes and price drops for VPC Specialty Lending Investments
Historical stock prices
Current Share PriceUK£0.92
52 Week HighUK£0.98
52 Week LowUK£0.82
Beta0.78
1 Month Change-0.22%
3 Month Change3.37%
1 Year Change9.52%
3 Year Change19.48%
5 Year Change17.57%
Change since IPO-5.16%

Recent News & Updates

Shareholder Returns

VSLGB Capital MarketsGB Market
7D-0.6%-1.4%-1.0%
1Y9.5%-3.0%8.3%

Return vs Industry: VSL exceeded the UK Capital Markets industry which returned -1.9% over the past year.

Return vs Market: VSL exceeded the UK Market which returned 8.3% over the past year.

Price Volatility

Is VSL's price volatile compared to industry and market?
VSL volatility
VSL Average Weekly Movement3.0%
Capital Markets Industry Average Movement4.1%
Market Average Movement5.0%
10% most volatile stocks in GB Market10.7%
10% least volatile stocks in GB Market2.5%

Stable Share Price: VSL is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: VSL's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
n/an/an/ahttps://www.vpcspecialtylending.com

VPC Specialty Lending Investments Plc specializes in opportunities within the specialty lending market primarily through online lending platforms.

VPC Specialty Lending Investments Fundamentals Summary

How do VPC Specialty Lending Investments's earnings and revenue compare to its market cap?
VSL fundamental statistics
Market CapUK£256.01m
Earnings (TTM)UK£66.31m
Revenue (TTM)UK£87.39m

3.9x

P/E Ratio

2.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
VSL income statement (TTM)
RevenueUK£87.39m
Cost of RevenueUK£0
Gross ProfitUK£87.39m
ExpensesUK£21.07m
EarningsUK£66.31m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.24
Gross Margin100.00%
Net Profit Margin75.89%
Debt/Equity Ratio39.3%

How did VSL perform over the long term?

See historical performance and comparison

Dividends

8.7%

Current Dividend Yield

34%

Payout Ratio

Valuation

Is VPC Specialty Lending Investments undervalued compared to its fair value and its price relative to the market?

29.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: VSL (£0.92) is trading below our estimate of fair value (£1.3)

Significantly Below Fair Value: VSL is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: VSL is good value based on its PE Ratio (3.9x) compared to the UK Capital Markets industry average (10.9x).

PE vs Market: VSL is good value based on its PE Ratio (3.9x) compared to the UK market (19.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate VSL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: VSL is good value based on its PB Ratio (0.9x) compared to the GB Capital Markets industry average (1.7x).

Future Growth

How is VPC Specialty Lending Investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.0%

Forecasted Diversified Financials industry annual growth in earnings


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 VPC Specialty Lending Investments 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 SimplyWall St do have past financial data.

Past Performance

How has VPC Specialty Lending Investments performed over the past 5 years?

30.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: VSL has high quality earnings.

Growing Profit Margin: VSL's current net profit margins (75.9%) are higher than last year (42.6%).


Past Earnings Growth Analysis

Earnings Trend: VSL's earnings have grown significantly by 30.8% per year over the past 5 years.

Accelerating Growth: VSL's earnings growth over the past year (513%) exceeds its 5-year average (30.8% per year).

Earnings vs Industry: VSL earnings growth over the past year (513%) exceeded the Capital Markets industry 66.7%.


Return on Equity

High ROE: VSL's Return on Equity (22.5%) is considered high.

Financial Health

How is VPC Specialty Lending Investments's financial position?


Financial Position Analysis

Short Term Liabilities: VSL's short term assets (£417.6M) exceed its short term liabilities (£12.3M).

Long Term Liabilities: VSL's short term assets (£417.6M) exceed its long term liabilities (£112.4M).


Debt to Equity History and Analysis

Debt Level: VSL has more cash than its total debt.

Reducing Debt: VSL's debt to equity ratio has reduced from 44.3% to 39.3% over the past 5 years.

Debt Coverage: VSL's debt is well covered by operating cash flow (42.5%).

Interest Coverage: Insufficient data to determine if VSL's interest payments on its debt are well covered by EBIT.


Balance Sheet

Dividend

What is VPC Specialty Lending Investments's current dividend yield, its reliability and sustainability?

8.70%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: VSL's dividend (8.7%) is higher than the bottom 25% of dividend payers in the UK market (1.41%).

High Dividend: VSL's dividend (8.7%) is in the top 25% of dividend payers in the UK market (4.06%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, VSL has been paying a dividend for less than 10 years.

Growing Dividend: VSL's dividend payments have increased, but the company has only paid a dividend for 5 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (34.2%), VSL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

VPC Specialty Lending Investments has no CEO, or we have no data on them.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

VPC Specialty Lending Investments PLC's employee growth, exchange listings and data sources


Key Information

  • Name: VPC Specialty Lending Investments PLC
  • Ticker: VSL
  • Exchange: LSE
  • Founded: NaN
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Implied Market Cap: UK£256.014m
  • Shares outstanding: 278.28m
  • Website: https://www.vpcspecialtylending.com

Location

  • VPC Specialty Lending Investments PLC
  • 65 Gresham Street
  • 6th Floor
  • London
  • Greater London
  • EC2V 7NQ
  • United Kingdom

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/19 21:22
End of Day Share Price2022/01/19 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.