Vala (FRA:2JY) Net Loan: €26.07 Mil (As of Dec. 2025)

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FRA:2JY Vala Inc FRA:2JY
25 GF Score
Price €0.03
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What is Vala Net Loan?

Vala FRA:2JY -1.79% 25 Net Loan is €26.07 Mil as of Dec. 2025. GuruFocus rates FRA:2JY with a GF Score™ of 25/100.

Vala's quarterly net loan declined from Dec. 2024 (€29.70 Mil) to Jun. 2025 (€27.21 Mil) and declined from Jun. 2025 (€27.21 Mil) to Dec. 2025 (€26.07 Mil).

Vala's annual net loan increased from Dec. 2023 (€28.78 Mil) to Dec. 2024 (€27.21 Mil) but then declined from Dec. 2024 (€27.21 Mil) to Dec. 2025 (€26.07 Mil).

Vala Net Loan Historical Data

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The historical data trend for Vala's Net Loan 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.

Vala Net Loan Chart

Vala Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.44 25.74 28.78 29.70 26.07

Vala Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.78 28.58 29.70 27.21 26.07
FRA:2JY
25GF Score
Vala Inc FRA:2JY
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Vala Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €26.07 Mil mean?
Vala (FRA:2JY) has a Net Loan of €26.07 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Vala and its competitors.
Is Vala's Net Loan too high?
Vala's current Net Loan is €26.07 Mil. Overall, Vala has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Vala's Net Loan compare to V and MA?
Vala's Net Loan of €26.07 Mil 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 Net Loan for a Credit Services company?
A good Net Loan depends on the Credit Services industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Vala and its competitors. Vala's current Net Loan is €26.07 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vala stock overvalued right now?
Vala (FRA:2JY) has a current Net Loan of €26.07 Mil. The current Net Loan is €26.07 Mil. Vala's overall GF Score™ is 25/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Vala (FRA:2JY), the current Net Loan is €26.07 Mil 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.

Vala Business Description

Other Exchanges 02051:Hong Kong
Address No. 588 Wenyi West Road, Building B3, CECEP Xixi Cente, Xihu District, Zhejiang, Hangzhou, CHN
Vala Inc is an investment holding company. Along with its subsidiaries, the company is principally engaged in the provision of valalife business, SaaS services, financial technology services and Children's entertainment business in the People's Republic of China. The Group has three reportable segments: the valalife business, the SaaS business and the credit facilitation business. The company operates in Mainland China.
25GF Score

Get the complete analysis for FRA:2JY

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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