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VCredit Holdings (FRA:5R6) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
VCredit Holdings Forward PE Ratio Related Terms
VCredit Holdings Forward PE Ratio Historical Data
* Premium members only.
The historical data trend for VCredit Holdings's Forward PE Ratio 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 Forward PE Ratio Chart
VCredit Holdings Annual Data
Trend
2022-12
2023-12
2024-12
Forward PE Ratio
1.81
1.49
1.37
VCredit Holdings Semi-Annual Data
2022-06
2022-12
2023-06
2023-12
2024-12
2025-06
Forward PE Ratio
1.60
1.81
2.06
1.49
1.37
2.48
FRA:5R6 vs V, MA, AXP: Forward PE Ratio Comparison
For the Credit Services subindustry, VCredit Holdings's Forward PE Ratio, along with its competitors' market caps and Forward 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 Forward PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
VCredit Holdings (FRA:5R6) has a Forward PE Ratio of 2.35 as of Aug. 09, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on VCredit Holdings and its competitors. According to the industry distribution chart, VCredit Holdings ranks #2 out of 187 companies in the Credit Services industry, placing it in the top 1.1%.
Is VCredit Holdings' Forward PE Ratio too high?
VCredit Holdings' current Forward PE Ratio is 2.35. The Credit Services industry median Forward PE Ratio is 10.66. VCredit Holdings' value of 2.35 is 78% below this industry median. Based on the distribution chart, VCredit Holdings ranks #2 out of 187 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' Forward PE Ratio compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #2 out of 187 companies for Forward PE Ratio. This places VCredit Holdings in the top 1% of its industry — outperforming the majority of peers. The industry median Forward PE Ratio is 10.66. VCredit Holdings' value of 2.35 is 78% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Credit Services company?
The median Forward PE Ratio among Credit Services companies is 10.66, based on 187 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VCredit Holdings's current Forward PE Ratio of 2.35 is 78% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on VCredit Holdings and its competitors. For the Credit Services industry, the median Forward PE Ratio is 10.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current Forward PE Ratio is 2.35. 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 56.7% above its estimated fair value. The current Forward PE Ratio is 2.35 and 78% below the Credit Services industry median of 10.66. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current Forward PE Ratio is 2.35 as of Aug. 09, 2026. 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 56.7% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
Forward PE Ratio: 2.35
GF Value™: €0.06 vs. price of €0.09 (56.7% above fair value)
Industry Position: 78% below the Credit Services median (#2 of 187)
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
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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