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VPC Specialty Lending Investments

Executive Summary

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

Rewards


Snowflake Analysis

Share Price & News

How has VPC Specialty Lending Investments's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: VSL is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: VSL's weekly volatility (2%) has been stable over the past year.


Market Performance


7 Day Return

0%

VSL

-1.7%

GB Capital Markets

-2.3%

GB Market


1 Year Return

15.6%

VSL

15.5%

GB Capital Markets

1.1%

GB Market

Return vs Industry: VSL exceeded the UK Capital Markets industry which returned 13.6% over the past year.

Return vs Market: VSL exceeded the UK Market which returned -0.2% over the past year.


Shareholder returns

VSLIndustryMarket
7 Day0%-1.7%-2.3%
30 Day4.3%2.8%-0.1%
90 Day25.4%11.9%4.2%
1 Year30.3%15.6%19.2%15.5%7.1%1.1%
3 Year57.9%14.1%50.7%33.5%9.7%-3.4%
5 Year53.1%-3.8%111.8%76.1%36.9%10.5%

Long-Term Price Volatility Vs. Market

How volatile is VPC Specialty Lending Investments's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

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

10.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: VSL (£0.89) is trading below our estimate of fair value (£0.99)

Significantly Below Fair Value: VSL is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: VSL is poor value based on its PE Ratio (25.7x) compared to the GB Capital Markets industry average (21.2x).

PE vs Market: VSL is poor value based on its PE Ratio (25.7x) compared to the UK market (24x).


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 (1x) compared to the GB Capital Markets industry average (1.6x).

Future Growth

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

23.8%

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?

16.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: VSL has high quality earnings.

Growing Profit Margin: VSL's current net profit margins (45.1%) are lower than last year (57.6%).


Past Earnings Growth Analysis

Earnings Trend: VSL's earnings have grown by 16.2% per year over the past 5 years.

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

Earnings vs Industry: VSL had negative earnings growth (-58.5%) over the past year, making it difficult to compare to the Capital Markets industry average (-1.4%).


Return on Equity

High ROE: VSL's Return on Equity (4.2%) is considered low.

Financial Health

How is VPC Specialty Lending Investments's financial position?


Financial Position Analysis

Short Term Liabilities: VSL's short term assets (£379.6M) exceed its short term liabilities (£2.1M).

Long Term Liabilities: VSL's short term assets (£379.6M) exceed its long term liabilities (£118.1M).


Debt to Equity History and Analysis

Debt Level: VSL's debt to equity ratio (45.4%) is considered high.

Reducing Debt: Insufficient data to determine if VSL's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: VSL's debt is well covered by operating cash flow (47.2%).

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?

8.99%

Current Dividend Yield


Upcoming Dividend Payment


Dividend Yield vs Market

Notable Dividend: VSL's dividend (8.99%) is higher than the bottom 25% of dividend payers in the UK market (1.48%).

High Dividend: VSL's dividend (8.99%) is in the top 25% of dividend payers in the UK market (4.52%)


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 4 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (231.3%), VSL's dividend payments are not 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.


Recent Insider Transactions

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 company bio, 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
  • Market Cap: UK£251.221m
  • Shares outstanding: 282.27m
  • Website: https://www.vpcspecialtylending.com

Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
VSLLSE (London Stock Exchange)YesOrdinary SharesGBGBPMar 2015
VSLlBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPMar 2015
VPPC.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMar 2015

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/02/27 20:34
End of Day Share Price2021/02/26 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.