VCredit Holdings (FRA:5R6) Selling, General, & Admin. Expense: €51.35 Mil (TTM 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 Selling, General, & Admin. Expense?

VCredit Holdings FRA:5R6 -6.35% 21 Selling, General, & Admin. Expense is €51.35 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.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. VCredit Holdings's selling, general, & admin. expense for the six months ended in Dec. 2025 was €21.47 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was €51.35 Mil.


VCredit Holdings  (FRA:5R6) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


VCredit Holdings Selling, General, & Admin. Expense Related Terms


VCredit Holdings Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for VCredit Holdings's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

VCredit Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 45.22 43.33 50.11 56.86 51.47

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
Selling, General, & Admin. Expense 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 25.89 23.85 32.43 29.88 21.47

FRA:5R6 vs V, MA, AXP: Selling, General, & Admin. Expense Comparison

For the Credit Services subindustry, VCredit Holdings's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Credit Services Industry

For the Credit Services industry and Financial Services sector, VCredit Holdings's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where VCredit Holdings's Selling, General, & Admin. Expense falls into.


FRA:5R6
21GF Score
VCredit Holdings Ltd FRA:5R6
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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VCredit Holdings Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense 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 €51.35 Mil.

* 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.

What does a Selling, General, & Admin. Expense of €51.35 Mil mean?
VCredit Holdings (FRA:5R6) has a Selling, General, & Admin. Expense of €51.35 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on VCredit Holdings and its competitors.
Is VCredit Holdings' Selling, General, & Admin. Expense too high?
VCredit Holdings' current Selling, General, & Admin. Expense is €51.35 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' Selling, General, & Admin. Expense compare to V and MA?
VCredit Holdings' Selling, General, & Admin. Expense of €51.35 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 Selling, General, & Admin. Expense for a Credit Services company?
A good Selling, General, & Admin. Expense depends on the Credit Services industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on VCredit Holdings and its competitors. VCredit Holdings's current Selling, General, & Admin. Expense is €51.35 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 Selling, General, & Admin. Expense of €51.35 Mil. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 47.5% above its estimated fair value. The current Selling, General, & Admin. Expense is €51.35 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current Selling, General, & Admin. Expense is €51.35 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 47.5% above its estimated GF Value™ of €0.06.

Key valuation signals for FRA:5R6:

  • Selling, General, & Admin. Expense: €51.35 Mil
  • GF Value™: €0.06 vs. price of €0.09 (47.5% 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

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.09
Price
€0.06
GF Value