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VPC IMPACT ACQUISITION HOL-A (VPCB) Stock Fundamental Analysis

NASDAQ:VPCB - Nasdaq - KYG9460L1260 - Common Stock - Currency: USD

10.28  +0 (+0.05%)

After market: 10.28 0 (0%)

Fundamental Rating

2

Overall VPCB gets a fundamental rating of 2 out of 10. We evaluated VPCB against 0 industry peers in the Unkown industry. While VPCB seems to be doing ok healthwise, there are quite some concerns on its profitability. VPCB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

VPCB had positive earnings in the past year.
In the past year VPCB has reported a negative cash flow from operations.
VPCB Yearly Net Income VS EBIT VS OCF VS FCFVPCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 -1M -2M -3M

1.2 Ratios

Industry RankSector Rank
ROA 7.42%
ROE 7.83%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
VPCB Yearly ROA, ROE, ROICVPCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 -0.2 -0.4 -0.6 -0.8 -1

1.3 Margins

VPCB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
VPCB Yearly Profit, Operating, Gross MarginsVPCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021

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5

2. Health

2.1 Basic Checks

VPCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
VPCB Yearly Shares OutstandingVPCB Yearly Shares OutstandingYearly Shares Outstanding 2021 10M 20M 30M
VPCB Yearly Total Debt VS Total AssetsVPCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 50M 100M 150M 200M 250M

2.2 Solvency

An Altman-Z score of 14.60 indicates that VPCB is not in any danger for bankruptcy at the moment.
There is no outstanding debt for VPCB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 14.6
ROIC/WACCN/A
WACCN/A
VPCB Yearly LT Debt VS Equity VS FCFVPCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 0 50M 100M 150M 200M

2.3 Liquidity

VPCB has a Current Ratio of 1.14. This is a normal value and indicates that VPCB is financially healthy and should not expect problems in meeting its short term obligations.
VPCB has a Quick Ratio of 1.14. This is a normal value and indicates that VPCB is financially healthy and should not expect problems in meeting its short term obligations.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
VPCB Yearly Current Assets VS Current LiabilitesVPCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 1M 2M 3M

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0

3. Growth

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%579.3%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
VPCB Yearly Revenue VS EstimatesVPCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021
VPCB Yearly EPS VS EstimatesVPCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.85 indicates a correct valuation of VPCB.
VPCB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.62.
Industry RankSector Rank
PE 16.85
Fwd PE N/A
VPCB Price Earnings VS Forward Price EarningsVPCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
VPCB Per share dataVPCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

VPCB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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VPC IMPACT ACQUISITION HOL-A

NASDAQ:VPCB (3/20/2023, 8:00:03 PM)

After market: 10.28 0 (0%)

10.28

+0 (+0.05%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)N/A N/A
Earnings (Next)02-11 2022-02-11
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap328.68M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.85
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B 1.32
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)0.61
EY5.93%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS0
BVpS7.76
TBVpS7.76
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 7.42%
ROE 7.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z 14.6
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%579.3%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A