VP Bank AG
VP Bank AG Fundamental Analysis
VP Bank AG (VUPPF) shows weak financial fundamentals with a PE ratio of 28.22, profit margin of 3.45%, and ROE of 1.66%. The company generates $0.5B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -278.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze VUPPF's fundamental strength across five key dimensions:
Efficiency Score
WeakVUPPF struggles to generate sufficient returns from assets.
Valuation Score
ModerateVUPPF shows balanced valuation metrics.
Growth Score
ModerateVUPPF shows steady but slowing expansion.
Financial Health Score
ModerateVUPPF shows balanced financial health with some risks.
Profitability Score
WeakVUPPF struggles to sustain strong margins.
Key Financial Metrics
Is VUPPF Expensive or Cheap?
P/E Ratio
VUPPF trades at 28.22 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, VUPPF's PEG of 0.36 indicates potential undervaluation.
Price to Book
The market values VP Bank AG at 0.47 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 35.16 times EBITDA. This signals the market has high growth expectations.
How Well Does VUPPF Make Money?
Net Profit Margin
For every $100 in sales, VP Bank AG keeps $3.45 as profit after all expenses.
Operating Margin
Core operations generate 4.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.66 in profit for every $100 of shareholder equity.
ROA
VP Bank AG generates $0.17 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 $-912.19M, signaling weaker underlying cash strength.
Free Cash Flow
VP Bank AG generates weak or negative free cash flow of $-923.70M, restricting financial flexibility.
FCF Per Share
Each share generates $-164.99 in free cash annually.
FCF Yield
VUPPF converts -2.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.22
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.36
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.47
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.18
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.47
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How VUPPF Stacks Against Its Sector Peers
| Metric | VUPPF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.22 | 18.73 | Worse (Expensive) |
| ROE | 1.66% | 847.00% | Weak |
| Net Margin | 3.45% | 3919.00% | Weak |
| Debt/Equity | 0.18 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.47 | 674.76 | Weak Liquidity |
| ROA | 0.17% | -21563.00% (disorted) | Weak |
VUPPF outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
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
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical