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VCredit Holdings's EPS (Basic) for the
six
months ended in Dec. 2025 was €-0.19.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.14.
During the past 11 years, VCredit Holdings's highest 3-Year average EPS without NRI Growth Rate was 102.60% per year. The lowest was -46.30% per year. And the median was -10.05% per year.
EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
VCredit Holdings EPS (Diluted) Related Terms
VCredit Holdings EPS (Diluted) Historical Data
* Premium members only.
The historical data trend for VCredit Holdings's EPS (Diluted) 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.
For the Credit Services subindustry, VCredit Holdings's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's PE Ratio falls into.
EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.
VCredit Holdings's Diluted EPS for the fiscal year that ended in Dec. 2025 is calculated as
EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-0.14
* 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 EPS (Diluted) of €-0.14 as of Dec. 2025. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on VCredit Holdings and its competitors.
Is VCredit Holdings' EPS (Diluted) too high?
VCredit Holdings' current EPS (Diluted) is €-0.14. 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' EPS (Diluted) compare to V and MA?
VCredit Holdings' EPS (Diluted) of €-0.14 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 EPS (Diluted) for a Credit Services company?
A good EPS (Diluted) depends on the Credit Services industry context. However, EPS (Diluted) 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 EPS (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on VCredit Holdings and its competitors. VCredit Holdings's current EPS (Diluted) is €-0.14. 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 50% above its estimated fair value. The current EPS (Diluted) is €-0.14. 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 EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current EPS (Diluted) is €-0.14 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 50% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
EPS (Diluted): €-0.14
GF Value™: €0.06 vs. price of €0.09 (50% 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
EPS (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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