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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 2.29
VRTA's Cash to Debt is ranked lower than
53% of the 1188 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.15 vs. VRTA: 2.29 )
Ranked among companies with meaningful Cash to Debt only.
VRTA' s Cash to Debt Range Over the Past 10 Years
Min: 0.25  Med: 82.35 Max: No Debt
Current: 2.29
Equity to Asset 0.86
VRTA's Equity to Asset is ranked higher than
99% of the 1677 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. VRTA: 0.86 )
Ranked among companies with meaningful Equity to Asset only.
VRTA' s Equity to Asset Range Over the Past 10 Years
Min: 0.83  Med: 0.95 Max: 1
Current: 0.86
0.83
1
F-Score: 4
Z-Score: -3.18
M-Score: 2.21
WACC vs ROIC
3.70%
-27.02%
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 : 4/10

vs
industry
vs
history
Operating margin (%) -369.16
VRTA's Operating margin (%) is ranked lower than
100% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.14 vs. VRTA: -369.16 )
Ranked among companies with meaningful Operating margin (%) only.
VRTA' s Operating margin (%) Range Over the Past 10 Years
Min: -497.3  Med: -144.07 Max: 33.91
Current: -369.16
-497.3
33.91
Net-margin (%) -326.32
VRTA's Net-margin (%) is ranked lower than
100% of the 1694 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.52 vs. VRTA: -326.32 )
Ranked among companies with meaningful Net-margin (%) only.
VRTA' s Net-margin (%) Range Over the Past 10 Years
Min: -841.77  Med: -45.64 Max: 57.85
Current: -326.32
-841.77
57.85
ROE (%) -20.65
VRTA's ROE (%) is ranked lower than
98% of the 1689 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.37 vs. VRTA: -20.65 )
Ranked among companies with meaningful ROE (%) only.
VRTA' s ROE (%) Range Over the Past 10 Years
Min: -44.01  Med: -2.18 Max: 7.95
Current: -20.65
-44.01
7.95
ROA (%) -18.12
VRTA's ROA (%) is ranked lower than
99% of the 1698 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.89 vs. VRTA: -18.12 )
Ranked among companies with meaningful ROA (%) only.
VRTA' s ROA (%) Range Over the Past 10 Years
Min: -43.33  Med: -2.04 Max: 7.18
Current: -18.12
-43.33
7.18
ROC (Joel Greenblatt) (%) -94.10
VRTA's ROC (Joel Greenblatt) (%) is ranked lower than
92% of the 105 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.87 vs. VRTA: -94.10 )
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: -94.1
-623300
160.01
Revenue Growth (3Y)(%) 29.60
VRTA's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1391 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.70 vs. VRTA: 29.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
VRTA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.8  Med: -22.50 Max: 29.6
Current: 29.6
-39.8
29.6
EBITDA Growth (3Y)(%) 12.90
VRTA's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1291 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.90 vs. VRTA: 12.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
VRTA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -44.40 Max: 12.9
Current: 12.9
0
12.9
EPS Growth (3Y)(%) 17.10
VRTA's EPS Growth (3Y)(%) is ranked higher than
73% of the 1270 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. VRTA: 17.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
VRTA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -62.3  Med: -34.50 Max: 17.1
Current: 17.1
-62.3
17.1
» VRTA's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Specialty Finance
Compare:BOM:536592, BOM:530979, BOM:538402, NAS:VRTB, BOM:511533 » 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
P/B 0.28
VRTA's P/B is ranked higher than
94% of the 1697 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.03 vs. VRTA: 0.28 )
Ranked among companies with meaningful P/B only.
VRTA' s P/B Range Over the Past 10 Years
Min: 0.09  Med: 0.36 Max: 0.76
Current: 0.28
0.09
0.76
P/S 4.07
VRTA's P/S is ranked lower than
69% of the 1697 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.92 vs. VRTA: 4.07 )
Ranked among companies with meaningful P/S only.
VRTA' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 5.72 Max: 13.08
Current: 4.07
1.3
13.08
Current Ratio 2.20
VRTA's Current Ratio is ranked lower than
51% of the 71 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.34 vs. VRTA: 2.20 )
Ranked among companies with meaningful Current Ratio only.
VRTA' s Current Ratio Range Over the Past 10 Years
Min: 1.05  Med: 8.32 Max: 102.41
Current: 2.2
1.05
102.41
Quick Ratio 2.20
VRTA's Quick Ratio is ranked higher than
54% of the 71 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.85 vs. VRTA: 2.20 )
Ranked among companies with meaningful Quick Ratio only.
VRTA' s Quick Ratio Range Over the Past 10 Years
Min: 1.05  Med: 8.32 Max: 102.41
Current: 2.2
1.05
102.41
Days Sales Outstanding 10.11
VRTA's Days Sales Outstanding is ranked higher than
70% of the 57 Companies
in the Global Specialty Finance industry.

( Industry Median: 26.08 vs. VRTA: 10.11 )
Ranked among companies with meaningful Days Sales Outstanding only.
VRTA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.77  Med: 64.35 Max: 245.89
Current: 10.11
0.77
245.89

Valuation & Return

vs
industry
vs
history
Price/Net Cash 1.47
VRTA's Price/Net Cash is ranked higher than
96% of the 23 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.67 vs. VRTA: 1.47 )
Ranked among companies with meaningful Price/Net Cash only.
VRTA' s Price/Net Cash Range Over the Past 10 Years
Min: 0.99  Med: 2.36 Max: 833.33
Current: 1.47
0.99
833.33
Price/Net Current Asset Value 1.46
VRTA's Price/Net Current Asset Value is ranked higher than
64% of the 50 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.73 vs. VRTA: 1.46 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
VRTA' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.74  Med: 2.12 Max: 38.35
Current: 1.46
0.74
38.35
Price/Tangible Book 0.28
VRTA's Price/Tangible Book is ranked higher than
95% of the 1698 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. VRTA: 0.28 )
Ranked among companies with meaningful Price/Tangible Book only.
VRTA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.15  Med: 0.36 Max: 0.68
Current: 0.28
0.15
0.68
Price/Projected FCF 0.40
VRTA's Price/Projected FCF is ranked higher than
79% of the 897 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.65 vs. VRTA: 0.40 )
Ranked among companies with meaningful Price/Projected FCF only.
VRTA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.44 Max: 0.69
Current: 0.4
0.24
0.69
Price/Median PS Value 0.71
VRTA's Price/Median PS Value is ranked higher than
89% of the 1617 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.00 vs. VRTA: 0.71 )
Ranked among companies with meaningful Price/Median PS Value only.
VRTA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.03 Max: 2.06
Current: 0.71
0.37
2.06
Earnings Yield (Greenblatt) (%) -299.74
VRTA's Earnings Yield (Greenblatt) (%) is ranked lower than
100% of the 1722 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.12 vs. VRTA: -299.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VRTA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -383.82  Med: 15.30 Max: 7950.7
Current: -299.74
-383.82
7950.7

More Statistics

Revenue (TTM) (Mil) $1.08
EPS (TTM) $ -2.61
Beta0.20
Short Percentage of Float0.81%
52-Week Range $1.02 - 5.94
Shares Outstanding (Mil)1.30

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