VIB Vermögen AG Fundamental Analysis
VIB Vermögen AG (VIBVY) shows strong financial fundamentals with a PE ratio of 10.27, profit margin of 41.50%, and ROE of 10.21%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 8.66%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze VIBVY's fundamental strength across five key dimensions:
Efficiency Score
WeakVIBVY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVIBVY trades at attractive valuation levels.
Growth Score
ModerateVIBVY shows steady but slowing expansion.
Financial Health Score
WeakVIBVY carries high financial risk with limited liquidity.
Profitability Score
WeakVIBVY struggles to sustain strong margins.
Key Financial Metrics
Is VIBVY Expensive or Cheap?
P/E Ratio
VIBVY trades at 10.27 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, VIBVY's PEG of 0.12 indicates potential undervaluation.
Price to Book
The market values VIB Vermögen AG at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.05 times EBITDA. This is generally considered low.
How Well Does VIBVY Make Money?
Net Profit Margin
For every $100 in sales, VIB Vermögen AG keeps $41.50 as profit after all expenses.
Operating Margin
Core operations generate -19.70 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.21 in profit for every $100 of shareholder equity.
ROA
VIB Vermögen AG generates $4.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
VIB Vermögen AG generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
VIB Vermögen AG generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
VIBVY converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.27
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.26
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.02
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.45
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
-0.02
vs 25 benchmark
How VIBVY Stacks Against Its Sector Peers
| Metric | VIBVY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.27 | 23.27 | Better (Cheaper) |
| ROE | 10.21% | 680.00% | Weak |
| Net Margin | 41.50% | 1953.00% | Weak |
| Debt/Equity | 1.02 | -17.04 (disorted) | Distorted |
| Current Ratio | 0.45 | 23.29 | Weak Liquidity |
| ROA | 4.24% | -758.00% (disorted) | Weak |
VIBVY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews VIB Vermögen AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
2.34%
Industry Style: Income, Inflation Hedge, REIT
GrowingEPS CAGR
-52.25%
Industry Style: Income, Inflation Hedge, REIT
DecliningFCF CAGR
10.07%
Industry Style: Income, Inflation Hedge, REIT
High Growth