VIB VERMOEGEN AG (VIH1.DE) Stock Fundamental Analysis
Europe - FRA:VIH1 - DE000A2YPDD0 - Common Stock
8.68 EUR
-0.38 (-4.19%)
VIH1 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 75 industry peers in the Real Estate Management & Development industry. There are concerns on the financial health of VIH1 while its profitability can be described as average. VIH1 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year VIH1 was profitable.
VIH1 had a positive operating cash flow in the past year.
VIH1 had positive earnings in each of the past 5 years.
Each year in the past 5 years VIH1 had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.69%, VIH1 is in the better half of the industry, outperforming 62.67% of the companies in the same industry.
Looking at the Return On Equity, with a value of 3.99%, VIH1 is in the better half of the industry, outperforming 61.33% of the companies in the same industry.
VIH1's Return On Invested Capital of 3.21% is fine compared to the rest of the industry. VIH1 outperforms 70.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for VIH1 is in line with the industry average of 3.75%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 3.99% | ||
| ROIC | 3.21% |
ROA(3y)4.03%
ROA(5y)3.75%
ROE(3y)8.99%
ROE(5y)8.64%
ROIC(3y)4.05%
ROIC(5y)4.34%
1.3 Margins
VIH1 has a better Profit Margin (34.63%) than 77.33% of its industry peers.
VIH1's Profit Margin has declined in the last couple of years.
VIH1's Operating Margin of 70.15% is amongst the best of the industry. VIH1 outperforms 92.00% of its industry peers.
VIH1's Operating Margin has declined in the last couple of years.
VIH1 has a better Gross Margin (78.88%) than 69.33% of its industry peers.
VIH1's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.15% | ||
| PM (TTM) | 34.63% | ||
| GM | 78.88% |
OM growth 3Y-3.76%
OM growth 5Y-2.01%
PM growth 3Y5.97%
PM growth 5Y-12.98%
GM growth 3Y-2.37%
GM growth 5Y-0.86%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so VIH1 is destroying value.
Compared to 1 year ago, VIH1 has about the same amount of shares outstanding.
The number of shares outstanding for VIH1 has been increased compared to 5 years ago.
The debt/assets ratio for VIH1 has been reduced compared to a year ago.
2.2 Solvency
VIH1 has an Altman-Z score of 0.68. This is a bad value and indicates that VIH1 is not financially healthy and even has some risk of bankruptcy.
VIH1's Altman-Z score of 0.68 is on the low side compared to the rest of the industry. VIH1 is outperformed by 65.33% of its industry peers.
VIH1 has a debt to FCF ratio of 10.39. This is a negative value and a sign of low solvency as VIH1 would need 10.39 years to pay back of all of its debts.
VIH1 has a better Debt to FCF ratio (10.39) than 70.67% of its industry peers.
VIH1 has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
VIH1 has a worse Debt to Equity ratio (1.01) than 61.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 10.39 | ||
| Altman-Z | 0.68 |
ROIC/WACC0.75
WACC4.31%
2.3 Liquidity
VIH1 has a Current Ratio of 1.03. This is a normal value and indicates that VIH1 is financially healthy and should not expect problems in meeting its short term obligations.
VIH1 has a Current ratio of 1.03. This is comparable to the rest of the industry: VIH1 outperforms 44.00% of its industry peers.
VIH1 has a Quick Ratio of 1.03. This is a normal value and indicates that VIH1 is financially healthy and should not expect problems in meeting its short term obligations.
VIH1 has a Quick ratio of 1.03. This is in the better half of the industry: VIH1 outperforms 62.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for VIH1 have decreased strongly by -72.11% in the last year.
The earnings per share for VIH1 have been decreasing by -13.74% on average. This is quite bad
VIH1 shows a small growth in Revenue. In the last year, the Revenue has grown by 4.50%.
The Revenue has been growing slightly by 2.78% on average over the past years.
EPS 1Y (TTM)-72.11%
EPS 3Y0.35%
EPS 5Y-13.74%
EPS Q2Q%15.94%
Revenue 1Y (TTM)4.5%
Revenue growth 3Y0.51%
Revenue growth 5Y2.78%
Sales Q2Q%26.78%
3.2 Future
VIH1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.54% yearly.
The Revenue is expected to grow by 10.81% on average over the next years. This is quite good.
EPS Next Y10.47%
EPS Next 2Y11.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.92%
Revenue Next 2Y10.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.96 indicates a rather cheap valuation of VIH1.
89.33% of the companies in the same industry are more expensive than VIH1, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of VIH1 to the average of the S&P500 Index (27.76), we can say VIH1 is valued rather cheaply.
A Price/Forward Earnings ratio of 3.98 indicates a rather cheap valuation of VIH1.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VIH1 indicates a rather cheap valuation: VIH1 is cheaper than 96.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.21, VIH1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.96 | ||
| Fwd PE | 3.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, VIH1 is valued cheaply inside the industry as 94.67% of the companies are valued more expensively.
VIH1's Price/Free Cash Flow ratio is rather cheap when compared to the industry. VIH1 is cheaper than 89.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.89 | ||
| EV/EBITDA | 6.16 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of VIH1 may justify a higher PE ratio.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y11.54%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.44%, VIH1 is not a good candidate for dividend investing.
VIH1's Dividend Yield is comparable with the industry average which is at 7.71.
Compared to an average S&P500 Dividend Yield of 2.44, VIH1's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.44% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y11.54%
EPS Next 3YN/A
FRA:VIH1 (10/8/2025, 5:15:09 PM)
8.68
-0.38 (-4.19%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryReal Estate Management & Development
Earnings (Last)
Earnings (Next)
Inst Owners0.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap286.87M
Analysts82.86
Price Target11.73 (35.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.44% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.96 | ||
| Fwd PE | 3.98 | ||
| P/S | 2.75 | ||
| P/FCF | 2.89 | ||
| P/OCF | 2.89 | ||
| P/B | 0.32 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | 6.16 |
EPS(TTM)1.09
EY12.56%
EPS(NY)2.18
Fwd EY25.15%
FCF(TTM)3.01
FCFY34.62%
OCF(TTM)3.01
OCFY34.62%
SpS3.16
BVpS27.39
TBVpS26.47
PEG (NY)0.76
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 3.99% | ||
| ROCE | 3.73% | ||
| ROIC | 3.21% | ||
| ROICexc | 3.25% | ||
| ROICexgc | 3.3% | ||
| OM | 70.15% | ||
| PM (TTM) | 34.63% | ||
| GM | 78.88% | ||
| FCFM | 95.17% |
ROA(3y)4.03%
ROA(5y)3.75%
ROE(3y)8.99%
ROE(5y)8.64%
ROIC(3y)4.05%
ROIC(5y)4.34%
ROICexc(3y)4.4%
ROICexc(5y)4.63%
ROICexgc(3y)4.52%
ROICexgc(5y)4.7%
ROCE(3y)4.69%
ROCE(5y)5.03%
ROICexcg growth 3Y-10.75%
ROICexcg growth 5Y-3.98%
ROICexc growth 3Y-11.34%
ROICexc growth 5Y-4.36%
OM growth 3Y-3.76%
OM growth 5Y-2.01%
PM growth 3Y5.97%
PM growth 5Y-12.98%
GM growth 3Y-2.37%
GM growth 5Y-0.86%
F-Score4
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 10.39 | ||
| Debt/EBITDA | 4.3 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 46.63% | ||
| Profit Quality | 274.83% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 0.68 |
F-Score4
WACC4.31%
ROIC/WACC0.75
Cap/Depr(3y)0.86%
Cap/Depr(5y)88.75%
Cap/Sales(3y)0.31%
Cap/Sales(5y)0.52%
Profit Quality(3y)144.88%
Profit Quality(5y)156.35%
High Growth Momentum
Growth
EPS 1Y (TTM)-72.11%
EPS 3Y0.35%
EPS 5Y-13.74%
EPS Q2Q%15.94%
EPS Next Y10.47%
EPS Next 2Y11.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.5%
Revenue growth 3Y0.51%
Revenue growth 5Y2.78%
Sales Q2Q%26.78%
Revenue Next Year13.92%
Revenue Next 2Y10.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.54%
EBIT growth 3Y-3.27%
EBIT growth 5Y0.72%
EBIT Next Year69.35%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.92%
FCF growth 3Y6.73%
FCF growth 5YN/A
OCF growth 1Y22%
OCF growth 3Y6.76%
OCF growth 5Y5.7%