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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.17
VRTA's Cash to Debt is ranked higher than
75% of the 1570 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.48 vs. VRTA: 1.17 )
VRTA' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 1.17

Equity to Asset 0.88
VRTA's Equity to Asset is ranked higher than
99% of the 2021 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. VRTA: 0.88 )
VRTA' s 10-Year Equity to Asset Range
Min: 0.83   Max: 1
Current: 0.88

0.83
1
Interest Coverage 8.00
VRTA's Interest Coverage is ranked higher than
95% of the 1845 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. VRTA: 8.00 )
VRTA' s 10-Year Interest Coverage Range
Min: 0.22   Max: 109.8
Current: 8

0.22
109.8
F-Score: 3
Z-Score: -1.57
M-Score: -5.73
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 (%) -194.27
VRTA's Operating margin (%) is ranked lower than
54% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.47 vs. VRTA: -194.27 )
VRTA' s 10-Year Operating margin (%) Range
Min: -497.3   Max: 81.76
Current: -194.27

-497.3
81.76
Net-margin (%) -78.22
VRTA's Net-margin (%) is ranked lower than
53% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.42 vs. VRTA: -78.22 )
VRTA' s 10-Year Net-margin (%) Range
Min: -841.77   Max: 67.64
Current: -78.22

-841.77
67.64
ROE (%) -3.14
VRTA's ROE (%) is ranked lower than
51% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. VRTA: -3.14 )
VRTA' s 10-Year ROE (%) Range
Min: -44.01   Max: 10.15
Current: -3.14

-44.01
10.15
ROA (%) -2.92
VRTA's ROA (%) is ranked lower than
53% of the 2045 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. VRTA: -2.92 )
VRTA' s 10-Year ROA (%) Range
Min: -43.33   Max: 8.31
Current: -2.92

-43.33
8.31
ROC (Joel Greenblatt) (%) -85.35
VRTA's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 2013 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.18 vs. VRTA: -85.35 )
VRTA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -368500   Max: 93.29
Current: -85.35

-368500
93.29
Revenue Growth (3Y)(%) 26.30
VRTA's Revenue Growth (3Y)(%) is ranked higher than
98% of the 1748 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. VRTA: 26.30 )
VRTA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -39.7   Max: 26.3
Current: 26.3

-39.7
26.3
» VRTA's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with VRTA

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Ratios

vs
industry
vs
history
P/B 0.30
VRTA's P/B is ranked higher than
99% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. VRTA: 0.30 )
VRTA' s 10-Year P/B Range
Min: 0.04   Max: 0.76
Current: 0.3

0.04
0.76
P/S 6.80
VRTA's P/S is ranked higher than
62% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.59 vs. VRTA: 6.80 )
VRTA' s 10-Year P/S Range
Min: 0.66   Max: 18.55
Current: 6.8

0.66
18.55
EV-to-EBIT -3.22
VRTA's EV-to-EBIT is ranked lower than
51% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.57 vs. VRTA: -3.22 )
VRTA' s 10-Year EV-to-EBIT Range
Min: -30.3   Max: 40.7
Current: -3.22

-30.3
40.7
Current Ratio 1.10
VRTA's Current Ratio is ranked lower than
51% of the 81 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. VRTA: 1.10 )
VRTA' s 10-Year Current Ratio Range
Min: 1.1   Max: 101.98
Current: 1.1

1.1
101.98
Quick Ratio 1.10
VRTA's Quick Ratio is ranked higher than
51% of the 81 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. VRTA: 1.10 )
VRTA' s 10-Year Quick Ratio Range
Min: 1.1   Max: 101.98
Current: 1.1

1.1
101.98

Valuation & Return

vs
industry
vs
history
Price/Net Cash 22.10
VRTA's Price/Net Cash is ranked higher than
100% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 9999.00 vs. VRTA: 22.10 )
VRTA' s 10-Year Price/Net Cash Range
Min: 0.27   Max: 208.33
Current: 22.1

0.27
208.33
Price/Net Current Asset Value 22.10
VRTA's Price/Net Current Asset Value is ranked higher than
99% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 9999.00 vs. VRTA: 22.10 )
VRTA' s 10-Year Price/Net Current Asset Value Range
Min: 0.25   Max: 208.33
Current: 22.1

0.25
208.33
Price/Tangible Book 0.30
VRTA's Price/Tangible Book is ranked higher than
99% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. VRTA: 0.30 )
VRTA' s 10-Year Price/Tangible Book Range
Min: 0.08   Max: 0.64
Current: 0.3

0.08
0.64
Price/DCF (Projected) 0.40
VRTA's Price/DCF (Projected) is ranked higher than
94% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.17 vs. VRTA: 0.40 )
VRTA' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.72
Current: 0.4

0.1
0.72
Price/Median PS Value 1.20
VRTA's Price/Median PS Value is ranked higher than
73% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. VRTA: 1.20 )
VRTA' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 2.12
Current: 1.2

0.25
2.12
Earnings Yield (Greenblatt) -31.60
VRTA's Earnings Yield (Greenblatt) is ranked lower than
53% of the 2006 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. VRTA: -31.60 )
VRTA' s 10-Year Earnings Yield (Greenblatt) Range
Min: -31.6   Max: 72589.5
Current: -31.6

-31.6
72589.5

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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