VCredit Holdings (FRA:5R6) Net Loan: €504.39 Mil (As of Dec. 2025)

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FRA:5R6 VCredit Holdings Ltd FRA:5R6
21 GF Score
Price €0.09
GF Value €0.06
! 3 Warning Signs
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What is VCredit Holdings Net Loan?

VCredit Holdings FRA:5R6 -0.56% 21 Net Loan is €504.39 Mil as of Dec. 2025. GuruFocus rates FRA:5R6 with a GF Score™ of 21/100 and a GF Value™ of €0.06. The stock has 3 warning signs investors should review.

VCredit Holdings's quarterly net loan increased from Dec. 2024 (€819.20 Mil) to Jun. 2025 (€1,009.19 Mil) but then declined from Jun. 2025 (€1,009.19 Mil) to Dec. 2025 (€504.39 Mil).

VCredit Holdings's annual net loan declined from Dec. 2023 (€837.57 Mil) to Dec. 2024 (€1,009.19 Mil) and declined from Dec. 2024 (€1,009.19 Mil) to Dec. 2025 (€504.39 Mil).

VCredit Holdings Net Loan Historical Data

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The historical data trend for VCredit Holdings'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.

VCredit Holdings Net Loan Chart

VCredit Holdings 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 1,014.65 707.68 837.57 819.20 504.39

VCredit Holdings 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 837.57 857.32 819.20 1,009.19 504.39
FRA:5R6
21GF Score
VCredit Holdings Ltd FRA:5R6
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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VCredit Holdings 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 €504.39 Mil mean?
VCredit Holdings (FRA:5R6) has a Net Loan of €504.39 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on VCredit Holdings and its competitors.
Is VCredit Holdings' Net Loan too high?
VCredit Holdings' current Net Loan is €504.39 Mil. Overall, VCredit Holdings has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' Net Loan compare to V and MA?
VCredit Holdings' Net Loan of €504.39 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 VCredit Holdings and its competitors. VCredit Holdings's current Net Loan is €504.39 Mil. 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?
VCredit Holdings (FRA:5R6) has a current Net Loan of €504.39 Mil. 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 Net Loan is €504.39 Mil. 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current Net Loan is €504.39 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.

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.

Key valuation signals for FRA:5R6:

  • Net Loan: €504.39 Mil
  • GF Value™: €0.06 vs. price of €0.09 (46.7% above fair value)
  • GF Score™: 21/100 with 3 warning signs

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 Business Description

Other Exchanges 02003:Hong Kong
Address 19th Floor, Two Pacific Place, Suite 1918, 88 Queensway, Hong Kong, HKG, 200085
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

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

€0.09
Price
€0.06
GF Value