VP Bank AG
VP Bank AG Fundamental Analysis
VP Bank AG (VPBN.SW) shows moderate financial fundamentals with a PE ratio of 11.35, profit margin of 11.52%, and ROE of 4.08%. The company generates $0.4B in annual revenue with weak year-over-year growth of -7.94%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze VPBN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakVPBN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVPBN.SW trades at attractive valuation levels.
Growth Score
WeakVPBN.SW faces weak or negative growth trends.
Financial Health Score
ExcellentVPBN.SW maintains a strong and stable balance sheet.
Profitability Score
WeakVPBN.SW struggles to sustain strong margins.
Key Financial Metrics
Is VPBN.SW Expensive or Cheap?
P/E Ratio
VPBN.SW trades at 11.35 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, VPBN.SW's PEG of 0.36 indicates potential undervaluation.
Price to Book
The market values VP Bank AG at 0.45 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.44 times EBITDA. This signals the market has high growth expectations.
How Well Does VPBN.SW Make Money?
Net Profit Margin
For every $100 in sales, VP Bank AG keeps $11.52 as profit after all expenses.
Operating Margin
Core operations generate 13.85 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.08 in profit for every $100 of shareholder equity.
ROA
VP Bank AG generates $0.44 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
VP Bank AG generates limited operating cash flow of $-22.61M, signaling weaker underlying cash strength.
Free Cash Flow
VP Bank AG generates strong free cash flow of $1.14B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $182.56 in free cash annually.
FCF Yield
VPBN.SW converts 2.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.35
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.36
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.45
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.31
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.51
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How VPBN.SW Stacks Against Its Sector Peers
| Metric | VPBN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.35 | 18.59 | Better (Cheaper) |
| ROE | 4.08% | 801.00% | Weak |
| Net Margin | 11.52% | -498.00% (disorted) | Strong |
| Debt/Equity | 0.64 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 2.51 | 661.40 | Strong Liquidity |
| ROA | 0.44% | -21324.00% (disorted) | Weak |
VPBN.SW outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews VP Bank AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-2.32%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-75.70%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-405.20%
Industry Style: Value, Dividend, Cyclical
Declining