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VCredit Holdings's book value per share for the quarter that ended in Dec. 2025 was €0.99.
During the past 12 months, VCredit Holdings's average Book Value Per Share Growth Rate was -10.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of VCredit Holdings was 19.00% per year. The lowest was 1.00% per year. And the median was 8.10% per year.
VCredit Holdings's current price is €0.088. Its book value per share for the quarter that ended in Dec. 2025 was €0.99. Hence, today's PB Ratio of VCredit Holdings is 0.09.
During the past 11 years, the highest P/B Ratio of VCredit Holdings was 1.58. The lowest was 0.10. And the median was 0.38.
Good Sign:
VCredit Holdings Ltd stock PB Ratio (=0.1) is close to 10-year low of 0.1.
VCredit Holdings (FRA:5R6) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
VCredit Holdings Book Value per Share Related Terms
VCredit Holdings Book Value per Share Historical Data
* Premium members only.
The historical data trend for VCredit Holdings's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:5R6 vs V, MA, AXP: Book Value per Share Comparison
For the Credit Services subindustry, VCredit Holdings's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
VCredit Holdings PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
VCredit Holdings (FRA:5R6) has a Book Value per Share of €0.99 as of Dec. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on VCredit Holdings and its competitors.
Is VCredit Holdings' Book Value per Share too high?
VCredit Holdings' current Book Value per Share is €0.99. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' Book Value per Share compare to V and MA?
VCredit Holdings' Book Value per Share of €0.99 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on VCredit Holdings and its competitors. VCredit Holdings's current Book Value per Share is €0.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 46.7% above its estimated fair value. The current Book Value per Share is €0.99. VCredit Holdings' overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current Book Value per Share is €0.99 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is VCredit Holdings (FRA:5R6) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of €0.09 is trading 46.7% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
Book Value per Share: €0.99
GF Value™: €0.06 vs. price of €0.09 (46.7% above fair value)
No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
Get the complete analysis for FRA:5R6
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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