| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 6/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
VSL Stock Overview
VPC Specialty Lending Investments Plc specializes in opportunities within the specialty lending market primarily through online lending platforms.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£0.92 |
| 52 Week High | UK£0.98 |
| 52 Week Low | UK£0.82 |
| Beta | 0.78 |
| 1 Month Change | -0.22% |
| 3 Month Change | 3.37% |
| 1 Year Change | 9.52% |
| 3 Year Change | 19.48% |
| 5 Year Change | 17.57% |
| Change since IPO | -5.16% |
Recent News & Updates
Shareholder Returns
| VSL | GB Capital Markets | GB Market | |
|---|---|---|---|
| 7D | -0.6% | -1.4% | -1.0% |
| 1Y | 9.5% | -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
| VSL volatility | |
|---|---|
| VSL Average Weekly Movement | 3.0% |
| Capital Markets Industry Average Movement | 4.1% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in GB Market | 10.7% |
| 10% least volatile stocks in GB Market | 2.5% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | n/a | n/a | https://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
| VSL fundamental statistics | |
|---|---|
| Market Cap | UK£256.01m |
| Earnings (TTM) | UK£66.31m |
| Revenue (TTM) | UK£87.39m |
3.9x
P/E Ratio2.9x
P/S RatioIs VSL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VSL income statement (TTM) | |
|---|---|
| Revenue | UK£87.39m |
| Cost of Revenue | UK£0 |
| Gross Profit | UK£87.39m |
| Expenses | UK£21.07m |
| Earnings | UK£66.31m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.24 |
| Gross Margin | 100.00% |
| Net Profit Margin | 75.89% |
| Debt/Equity Ratio | 39.3% |
How did VSL perform over the long term?
See historical performance and comparisonDividends
8.7%
Current Dividend Yield34%
Payout RatioValuation
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/19 21:22 |
| End of Day Share Price | 2022/01/19 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.