VRA Fundamental Analysis - VERA BRADLEY INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to VRA. VRA was compared to 48 industry peers in the Textiles, Apparel & Luxury Goods industry. While VRA seems to be doing ok healthwise, there are quite some concerns on its profitability. VRA is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year VRA has reported negative net income.

In the past year VRA has reported a negative cash flow from operations.

In multiple years VRA reported negative net income over the last 5 years.

The reported operating cash flow has been mixed in the past 5 years: VRA reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of VRA (-36.78%) is worse than 91.67% of its industry peers.

VRA has a worse Return On Equity (-69.69%) than 87.50% of its industry peers.

		Industry Rank	Sector Rank
ROA	-36.78%
ROE	-69.69%
ROIC	N/A

ROA(3y)-10.99%

ROA(5y)-5.57%

ROE(3y)-18.49%

ROE(5y)-9.46%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

VRA has a Gross Margin (48.45%) which is in line with its industry peers.

In the last couple of years the Gross Margin of VRA has declined.

VRA does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	48.45%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-1.8%

GM growth 5Y-1.67%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

VRA does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, VRA has less shares outstanding

The number of shares outstanding for VRA has been reduced compared to 5 years ago.

VRA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

VRA has an Altman-Z score of 2.19. This is not the best score and indicates that VRA is in the grey zone with still only limited risk for bankruptcy at the moment.

VRA has a worse Altman-Z score (2.19) than 68.75% of its industry peers.

VRA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

VRA has a better Debt to Equity ratio (0.07) than 81.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Altman-Z	2.19

ROIC/WACCN/A

WACC10.13%

2.3 Liquidity

VRA has a Current Ratio of 2.43. This indicates that VRA is financially healthy and has no problem in meeting its short term obligations.

The Current ratio of VRA (2.43) is better than 70.83% of its industry peers.

A Quick Ratio of 0.76 indicates that VRA may have some problems paying its short term obligations.

VRA has a Quick ratio of 0.76. This is in the lower half of the industry: VRA underperforms 77.08% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.43
Quick Ratio	0.76

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

VRA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -531.82%.

Looking at the last year, VRA shows a very negative growth in Revenue. The Revenue has decreased by -31.07% in the last year.

The Revenue has been decreasing by -5.56% on average over the past years.

EPS 1Y (TTM)-531.82%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-115.38%

Revenue 1Y (TTM)-31.07%

Revenue growth 3Y-11.71%

Revenue growth 5Y-5.56%

Sales Q2Q%-36.06%

3.2 Future

The Earnings Per Share is expected to grow by 44.14% on average over the next years. This is a very strong growth

Based on estimates for the next years, VRA will show a very negative growth in Revenue. The Revenue will decrease by -16.08% on average per year.

EPS Next Y25.42%

EPS Next 2Y44.14%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-31.18%

Revenue Next 2Y-16.08%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for VRA. In the last year negative earnings were reported.

With a Price/Forward Earnings ratio of 41.58, VRA can be considered very expensive at the moment.

VRA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VRA is more expensive than 68.75% of the companies in the same industry.

VRA's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.36.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	41.58

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

VRA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as VRA's earnings are expected to grow with 44.14% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y44.14%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for VRA!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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VERA BRADLEY INC

NASDAQ:VRA (10/7/2025, 2:33:00 PM)

2.1

-0.1 (-4.55%)

Chartmill FA Rating

GICS SectorConsumer Discretionary

GICS IndustryGroupConsumer Durables & Apparel

GICS IndustryTextiles, Apparel & Luxury Goods

Earnings (Last)09-11 2025-09-11/bmo

Earnings (Next)12-09 2025-12-09

Inst Owners60.46%

Inst Owner Change0%

Ins Owners11.17%

Ins Owner Change9.35%

Market Cap58.67M

Analysts45

Price Target5.61 (167.14%)

Short Float %8.08%

Short Ratio7.86

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-55.12%

Min EPS beat(2)-197.03%

Max EPS beat(2)86.8%

EPS beat(4)1

Avg EPS beat(4)-303.19%

Min EPS beat(4)-556.97%

Max EPS beat(4)86.8%

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)0

Avg Revenue beat(2)-7.51%

Min Revenue beat(2)-10.65%

Max Revenue beat(2)-4.37%

Revenue beat(4)0

Avg Revenue beat(4)-10.62%

Min Revenue beat(4)-19.17%

Max Revenue beat(4)-4.37%

Revenue beat(8)0

Avg Revenue beat(8)-9.22%

Revenue beat(12)2

Avg Revenue beat(12)-6.2%

Revenue beat(16)2

Avg Revenue beat(16)-6.01%

PT rev (1m)0%

PT rev (3m)37.5%

EPS NQ rev (1m)8.33%

EPS NQ rev (3m)8.33%

EPS NY rev (1m)23.81%

EPS NY rev (3m)23.81%

Revenue NQ rev (1m)-3.55%

Revenue NQ rev (3m)-3.55%

Revenue NY rev (1m)-5.01%

Revenue NY rev (3m)-5.01%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	41.58
P/S	0.19
P/FCF	N/A
P/OCF	N/A
P/B	0.42
P/tB	0.42
EV/EBITDA	N/A

EPS(TTM)-0.95

EYN/A

EPS(NY)0.05

Fwd EY2.4%

FCF(TTM)-1.2

FCFYN/A

OCF(TTM)-0.87

OCFYN/A

SpS10.85

BVpS5.03

TBVpS5.03

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-36.78%
ROE	-69.69%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	48.45%
FCFM	N/A

ROA(3y)-10.99%

ROA(5y)-5.57%

ROE(3y)-18.49%

ROE(5y)-9.46%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-1.8%

GM growth 5Y-1.67%

F-Score2

Asset Turnover1.14

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	31.02%
Cap/Sales	3.08%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	2.43
Quick Ratio	0.76
Altman-Z	2.19

F-Score2

WACC10.13%

ROIC/WACCN/A

Cap/Depr(3y)37.76%

Cap/Depr(5y)36.59%

Cap/Sales(3y)1.74%

Cap/Sales(5y)1.49%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-531.82%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-115.38%

EPS Next Y25.42%

EPS Next 2Y44.14%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-31.07%

Revenue growth 3Y-11.71%

Revenue growth 5Y-5.56%

Sales Q2Q%-36.06%

Revenue Next Year-31.18%

Revenue Next 2Y-16.08%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-2307.9%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year0.87%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-238.78%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-181.65%

OCF growth 3YN/A

OCF growth 5YN/A

VERA BRADLEY INC (VRA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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