VCREDIT Holdings Limited (FRA:5R6)

VCREDIT Holdings Statistics

Total Valuation

FRA:5R6 has a market cap or net worth of EUR 173.33 million.

Market Cap	173.33M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, November 25, 2025.

Earnings Date	Nov 25, 2025
Ex-Dividend Date	Oct 15, 2025

Share Statistics

Current Share Class	485.58M
Shares Outstanding	n/a
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	+0.12%
Owned by Insiders (%)	59.34%
Owned by Institutions (%)	2.16%
Float	77.29M

Valuation Ratios

The trailing PE ratio is 2.54.

PE Ratio	2.54
Forward PE	n/a
PS Ratio	0.42
PB Ratio	0.31
P/TBV Ratio	0.31
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.71, with a Debt / Equity ratio of 1.57.

Current Ratio	3.71
Quick Ratio	2.98
Debt / Equity	1.57
Debt / EBITDA	n/a
Debt / FCF	-7.13
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.76%.

Return on Equity (ROE)	12.76%
Return on Assets (ROA)	4.37%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	443,044
Profits Per Employee	73,654
Employee Count	870
Asset Turnover	0.26
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:5R6 has paid 21.22 million in taxes.

Income Tax	21.22M
Effective Tax Rate	23.73%

Stock Price Statistics

The stock price has increased by +47.71% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+47.71%
50-Day Moving Average	0.33
200-Day Moving Average	0.36
Relative Strength Index (RSI)	45.48
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:5R6 had revenue of EUR 410.26 million and earned 68.20 million in profits. Earnings per share was 0.14.

Revenue	410.26M
Gross Profit	182.73M
Operating Income	121.18M
Pretax Income	89.43M
Net Income	68.20M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.14

Balance Sheet

The company has 202.61 million in cash and 889.29 million in debt, giving a net cash position of -686.68 million.

Cash & Cash Equivalents	202.61M
Total Debt	889.29M
Net Cash	-686.68M
Net Cash Per Share	n/a
Equity (Book Value)	564.76M
Book Value Per Share	1.16
Working Capital	1.18B

Cash Flow

In the last 12 months, operating cash flow was -119.79 million and capital expenditures -5.00 million, giving a free cash flow of -124.78 million.

Operating Cash Flow	-119.79M
Capital Expenditures	-5.00M
Free Cash Flow	-124.78M
FCF Per Share	n/a

Margins

Gross margin is 44.54%, with operating and profit margins of 29.54% and 16.62%.

Gross Margin	44.54%
Operating Margin	29.54%
Pretax Margin	21.80%
Profit Margin	16.62%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.03, which amounts to a dividend yield of 8.59%.

Dividend Per Share	0.03
Dividend Yield	8.59%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	7.90%
Buyback Yield	-0.01%
Shareholder Yield	8.58%
Earnings Yield	39.35%
FCF Yield	-71.99%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4