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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 1.75
VRTA's Cash-to-Debt is ranked lower than
52% of the 1495 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.97 vs. VRTA: 1.75 )
Ranked among companies with meaningful Cash-to-Debt only.
VRTA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25  Med: 80.15 Max: No Debt
Current: 1.75
Equity-to-Asset 0.79
VRTA's Equity-to-Asset is ranked higher than
98% of the 1496 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. VRTA: 0.79 )
Ranked among companies with meaningful Equity-to-Asset only.
VRTA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.79  Med: 0.95 Max: 1
Current: 0.79
0.79
1
Piotroski F-Score: 4
Altman Z-Score: -6.47
Beneish M-Score: 6.71
WACC vs ROIC
6.40%
-36.24%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % -455.29
VRTA's Operating Margin % is ranked lower than
99% of the 1511 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.68 vs. VRTA: -455.29 )
Ranked among companies with meaningful Operating Margin % only.
VRTA' s Operating Margin % Range Over the Past 10 Years
Min: -497.3  Med: -160.13 Max: 33.91
Current: -455.29
-497.3
33.91
Net Margin % -431.54
VRTA's Net Margin % is ranked lower than
99% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.91 vs. VRTA: -431.54 )
Ranked among companies with meaningful Net Margin % only.
VRTA' s Net Margin % Range Over the Past 10 Years
Min: -841.77  Med: -100 Max: 57.85
Current: -431.54
-841.77
57.85
ROE % -28.52
VRTA's ROE % is ranked lower than
98% of the 1509 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. VRTA: -28.52 )
Ranked among companies with meaningful ROE % only.
VRTA' s ROE % Range Over the Past 10 Years
Min: -44.01  Med: -5.11 Max: 7.95
Current: -28.52
-44.01
7.95
ROA % -24.67
VRTA's ROA % is ranked lower than
100% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. VRTA: -24.67 )
Ranked among companies with meaningful ROA % only.
VRTA' s ROA % Range Over the Past 10 Years
Min: -43.33  Med: -4.79 Max: 7.18
Current: -24.67
-43.33
7.18
ROC (Joel Greenblatt) % -112.09
VRTA's ROC (Joel Greenblatt) % is ranked lower than
88% of the 103 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.15 vs. VRTA: -112.09 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
VRTA' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -623300  Med: -35.86 Max: 160.01
Current: -112.09
-623300
160.01
3-Year Revenue Growth Rate 29.60
VRTA's 3-Year Revenue Growth Rate is ranked higher than
96% of the 1316 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.90 vs. VRTA: 29.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
VRTA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -23 Max: 40.4
Current: 29.6
0
40.4
3-Year EBITDA Growth Rate 4.30
VRTA's 3-Year EBITDA Growth Rate is ranked lower than
56% of the 1228 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.20 vs. VRTA: 4.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
VRTA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -79.75 Max: 4.3
Current: 4.3
0
4.3
3-Year EPS without NRI Growth Rate 8.70
VRTA's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1184 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. VRTA: 8.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
VRTA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -59.4 Max: 8.7
Current: 8.7
0
8.7
GuruFocus has detected 5 Warning Signs with Vestin Realty Mortgage I Inc $VRTA.
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» VRTA's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Specialty Finance    NAICS: 522310    SIC: 6162
Compare:OTCPK:BEVFF » details
Vestin Realty Mortgage I Inc invests in loans secured by real estate through deeds of trust or mortgages. In addition it invests in, acquires, manages or sells real property and acquires entities involved in the ownership or management of real property.

Vestin Realty Mortgage I, Inc., was organized in January 2006 as a Maryland corporation. It is a real estate investment trust. It invests in loans secured by real estate through deeds of trust or mortgages. The Company's primary business objective is to generate income while preserving principal by investing in real estate loans. There is a significant market opportunity to make real estate loans to owners and developers of real property whose financing needs are not met by other real estate lenders. The loan underwriting standards utilized by its manager and the mortgage brokers it utilizes are less strict than those used by many institutional real estate lenders. In addition, one of its competitive advantages is its ability to approve loan applications more quickly than many institutional lenders. It is currently authorized to operate two reportable segments, investments in real estate loans and investments in real property. It provides loans in the following states: Arizona, California, Colorado, Nevada, Ohio, Oregon and Texas. The competitor of the company includes the providers of real estate loans who offer short-term, equity-based loans on an expedited basis for higher fees and rates than those charged by other financial institutional lenders such as commercial banks. It is subject to extensive regulation by federal, state and local laws and governmental authorities.

Ratios

vs
industry
vs
history
PB Ratio 0.38
VRTA's PB Ratio is ranked higher than
91% of the 1810 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. VRTA: 0.38 )
Ranked among companies with meaningful PB Ratio only.
VRTA' s PB Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.37 Max: 0.76
Current: 0.38
0.09
0.76
PS Ratio 7.26
VRTA's PS Ratio is ranked lower than
91% of the 1833 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.32 vs. VRTA: 7.26 )
Ranked among companies with meaningful PS Ratio only.
VRTA' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 5.92 Max: 13.23
Current: 7.26
1.3
13.23
Current Ratio 1.70
VRTA's Current Ratio is ranked higher than
55% of the 71 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. VRTA: 1.70 )
Ranked among companies with meaningful Current Ratio only.
VRTA' s Current Ratio Range Over the Past 10 Years
Min: 1.05  Med: 7.57 Max: 102.41
Current: 1.7
1.05
102.41
Quick Ratio 1.70
VRTA's Quick Ratio is ranked higher than
55% of the 71 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. VRTA: 1.70 )
Ranked among companies with meaningful Quick Ratio only.
VRTA' s Quick Ratio Range Over the Past 10 Years
Min: 1.05  Med: 7.57 Max: 102.41
Current: 1.7
1.05
102.41
Days Sales Outstanding 24.04
VRTA's Days Sales Outstanding is ranked lower than
58% of the 55 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.77 vs. VRTA: 24.04 )
Ranked among companies with meaningful Days Sales Outstanding only.
VRTA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.57  Med: 35.12 Max: 245.89
Current: 24.04
0.57
245.89

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 4.60
VRTA's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1010 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.60 vs. VRTA: 4.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
VRTA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.2  Med: 3.7 Max: 12.3
Current: 4.6
0.2
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Net-Cash 2.14
VRTA's Price-to-Net-Cash is ranked higher than
92% of the 25 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.20 vs. VRTA: 2.14 )
Ranked among companies with meaningful Price-to-Net-Cash only.
VRTA' s Price-to-Net-Cash Range Over the Past 10 Years
Min: 0.99  Med: 2.51 Max: 833.33
Current: 2.14
0.99
833.33
Price-to-Net-Current-Asset-Value 2.06
VRTA's Price-to-Net-Current-Asset-Value is ranked higher than
52% of the 56 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.33 vs. VRTA: 2.06 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
VRTA' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.74  Med: 2.18 Max: 38.35
Current: 2.06
0.74
38.35
Price-to-Tangible-Book 0.38
VRTA's Price-to-Tangible-Book is ranked higher than
92% of the 1798 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.25 vs. VRTA: 0.38 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
VRTA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.15  Med: 0.36 Max: 0.68
Current: 0.38
0.15
0.68
Price-to-Median-PS-Value 1.23
VRTA's Price-to-Median-PS-Value is ranked lower than
59% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.15 vs. VRTA: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
VRTA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.36  Med: 0.98 Max: 2.06
Current: 1.23
0.36
2.06
Earnings Yield (Greenblatt) % -270.27
VRTA's Earnings Yield (Greenblatt) % is ranked lower than
99% of the 2086 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.41 vs. VRTA: -270.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
VRTA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -270.27  Med: 16.2 Max: 7950.7
Current: -270.27
-270.27
7950.7

More Statistics

Revenue (TTM) (Mil) $1.00
EPS (TTM) $ -3.24
Beta0.60
Short Percentage of Float0.81%
52-Week Range $1.50 - 5.00
Shares Outstanding (Mil)1.25

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