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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 : 5/10

vs
industry
vs
history
Cash to Debt 2.47
VRTA's Cash to Debt is ranked higher than
56% of the 980 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.53 vs. VRTA: 2.47 )
Ranked among companies with meaningful Cash to Debt only.
VRTA' s 10-Year Cash to Debt Range
Min: 0.25  Med: 86.34 Max: No Debt
Current: 2.47
Equity to Asset 0.88
VRTA's Equity to Asset is ranked higher than
99% of the 1337 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. VRTA: 0.88 )
Ranked among companies with meaningful Equity to Asset only.
VRTA' s 10-Year Equity to Asset Range
Min: 0.83  Med: 0.95 Max: 1
Current: 0.88
0.83
1
F-Score: 3
Z-Score: -1.73
M-Score: -11.05
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 (%) -157.82
VRTA's Operating margin (%) is ranked lower than
99% of the 1405 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.01 vs. VRTA: -157.82 )
Ranked among companies with meaningful Operating margin (%) only.
VRTA' s 10-Year Operating margin (%) Range
Min: -497.3  Med: 0.41 Max: 81.76
Current: -157.82
-497.3
81.76
Net-margin (%) -120.49
VRTA's Net-margin (%) is ranked lower than
99% of the 1405 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.75 vs. VRTA: -120.49 )
Ranked among companies with meaningful Net-margin (%) only.
VRTA' s 10-Year Net-margin (%) Range
Min: -841.77  Med: 8.73 Max: 67.64
Current: -120.49
-841.77
67.64
ROE (%) -8.10
VRTA's ROE (%) is ranked lower than
95% of the 1407 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. VRTA: -8.10 )
Ranked among companies with meaningful ROE (%) only.
VRTA' s 10-Year ROE (%) Range
Min: -44.01  Med: -2.18 Max: 10.15
Current: -8.1
-44.01
10.15
ROA (%) -7.35
VRTA's ROA (%) is ranked lower than
99% of the 1416 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.84 vs. VRTA: -7.35 )
Ranked among companies with meaningful ROA (%) only.
VRTA' s 10-Year ROA (%) Range
Min: -43.33  Med: -2.04 Max: 8.31
Current: -7.35
-43.33
8.31
ROC (Joel Greenblatt) (%) -56.13
VRTA's ROC (Joel Greenblatt) (%) is ranked lower than
95% of the 1398 Companies
in the Global Specialty Finance industry.

( Industry Median: 76.67 vs. VRTA: -56.13 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
VRTA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -623300  Med: -35.86 Max: 160.01
Current: -56.13
-623300
160.01
Revenue Growth (3Y)(%) 29.70
VRTA's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1186 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.00 vs. VRTA: 29.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
VRTA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -39.7  Med: -21.70 Max: 40.2
Current: 29.7
-39.7
40.2
EBITDA Growth (3Y)(%) 4.20
VRTA's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 1046 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.50 vs. VRTA: 4.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
VRTA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -59.6  Med: -10.00 Max: 4.2
Current: 4.2
-59.6
4.2
EPS Growth (3Y)(%) 8.70
VRTA's EPS Growth (3Y)(%) is ranked lower than
52% of the 1055 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.40 vs. VRTA: 8.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
VRTA' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.4  Med: -2.70 Max: 8.7
Current: 8.7
-59.4
8.7
» VRTA's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.28
VRTA's P/B is ranked higher than
97% of the 1359 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. VRTA: 0.28 )
Ranked among companies with meaningful P/B only.
VRTA' s 10-Year P/B Range
Min: 0.14  Med: 0.37 Max: 0.76
Current: 0.28
0.14
0.76
P/S 3.97
VRTA's P/S is ranked lower than
70% of the 1388 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.94 vs. VRTA: 3.97 )
Ranked among companies with meaningful P/S only.
VRTA' s 10-Year P/S Range
Min: 1.87  Med: 5.95 Max: 12.95
Current: 3.97
1.87
12.95
Current Ratio 2.38
VRTA's Current Ratio is ranked higher than
60% of the 78 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.66 vs. VRTA: 2.38 )
Ranked among companies with meaningful Current Ratio only.
VRTA' s 10-Year Current Ratio Range
Min: 1.05  Med: 8.77 Max: 102.41
Current: 2.38
1.05
102.41
Quick Ratio 2.38
VRTA's Quick Ratio is ranked higher than
62% of the 78 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.66 vs. VRTA: 2.38 )
Ranked among companies with meaningful Quick Ratio only.
VRTA' s 10-Year Quick Ratio Range
Min: 1.05  Med: 8.77 Max: 102.41
Current: 2.38
1.05
102.41
Days Sales Outstanding 1.16
VRTA's Days Sales Outstanding is ranked higher than
95% of the 775 Companies
in the Global Specialty Finance industry.

( Industry Median: 33.80 vs. VRTA: 1.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
VRTA' s 10-Year Days Sales Outstanding Range
Min: 0.57  Med: 57.48 Max: 245.89
Current: 1.16
0.57
245.89

Valuation & Return

vs
industry
vs
history
Price/Net Cash 1.53
VRTA's Price/Net Cash is ranked higher than
62% of the 8 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.66 vs. VRTA: 1.53 )
Ranked among companies with meaningful Price/Net Cash only.
VRTA' s 10-Year Price/Net Cash Range
Min: 0.99  Med: 3.84 Max: 833.33
Current: 1.53
0.99
833.33
Price/Net Current Asset Value 1.53
VRTA's Price/Net Current Asset Value is ranked higher than
65% of the 34 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.49 vs. VRTA: 1.53 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
VRTA' s 10-Year Price/Net Current Asset Value Range
Min: 0.74  Med: 2.12 Max: 38.35
Current: 1.53
0.74
38.35
Price/Tangible Book 0.28
VRTA's Price/Tangible Book is ranked higher than
97% of the 1337 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. VRTA: 0.28 )
Ranked among companies with meaningful Price/Tangible Book only.
VRTA' s 10-Year Price/Tangible Book Range
Min: 0.15  Med: 0.36 Max: 0.68
Current: 0.28
0.15
0.68
Price/Projected FCF 0.36
VRTA's Price/Projected FCF is ranked higher than
81% of the 749 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.68 vs. VRTA: 0.36 )
Ranked among companies with meaningful Price/Projected FCF only.
VRTA' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 0.43 Max: 0.69
Current: 0.36
0.24
0.69
Price/Median PS Value 0.66
VRTA's Price/Median PS Value is ranked higher than
92% of the 1195 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.08 vs. VRTA: 0.66 )
Ranked among companies with meaningful Price/Median PS Value only.
VRTA' s 10-Year Price/Median PS Value Range
Min: 0.36  Med: 0.99 Max: 1.98
Current: 0.66
0.36
1.98
Earnings Yield (Greenblatt) (%) -74.10
VRTA's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 1390 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. VRTA: -74.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VRTA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.5  Med: 8.50 Max: 4955.5
Current: -74.1
2.5
4955.5

Business Description

Industry: Banks » Specialty Finance
Compare:ARI, NLY, IVR, WSR, HRUFF » details
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.
» More Articles for VRTA

Headlines

Articles On GuruFocus.com
comment on VRTA Dec 02 2012 
Vestin Realty Mortgage I, Inc. Reports Second Quarter Financial Results Aug 14 2009 

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