VPC Specialty Lending Investments PLC
VPC Specialty Lending Investments Plc specializes in opportunities within the specialty lending market primarily through online lending platforms.
VPC Specialty Lending Investments PLC (VSL) - Net Assets
Latest net assets as of June 2025: GBX78.63 Million GBX
Based on the latest financial reports, VPC Specialty Lending Investments PLC (VSL) has net assets worth GBX78.63 Million GBX as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX80.97 Million) and total liabilities (GBX2.34 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX78.63 Million |
| % of Total Assets | 97.11% |
| Annual Growth Rate | -11.89% |
| 5-Year Change | -45.78% |
| 10-Year Change | N/A |
| Growth Volatility | 12.97 |
VPC Specialty Lending Investments PLC - Net Assets Trend (2015–2024)
This chart illustrates how VPC Specialty Lending Investments PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for VPC Specialty Lending Investments PLC (2015–2024)
The table below shows the annual net assets of VPC Specialty Lending Investments PLC from 2015 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | GBX146.69 Million | -34.84% |
| 2023-12-31 | GBX225.14 Million | -17.60% |
| 2022-12-31 | GBX273.23 Million | -13.99% |
| 2021-12-31 | GBX317.66 Million | +17.41% |
| 2020-12-31 | GBX270.56 Million | -7.20% |
| 2019-12-31 | GBX291.54 Million | -11.11% |
| 2018-12-31 | GBX327.98 Million | -3.60% |
| 2017-12-31 | GBX340.24 Million | -14.50% |
| 2016-12-31 | GBX397.97 Million | -13.20% |
| 2015-12-31 | GBX458.51 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to VPC Specialty Lending Investments PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 30.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | GBX136.97 Million | 93.37% |
| Common Stock | GBX20.30 Million | 13.84% |
| Other Comprehensive Income | GBX-61.62 Million | -42.01% |
| Other Components | GBX51.04 Million | 34.79% |
| Total Equity | GBX146.69 Million | 100.00% |
VPC Specialty Lending Investments PLC Competitors by Market Cap
The table below lists competitors of VPC Specialty Lending Investments PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
OMATEK VENTURES PLC
XNSA:OMATEK
|
$13.88 |
|
SSMTF
PINK:SSMTF
|
$14.00 |
|
LASACO ASSURANCE PLC
XNSA:LASACO
|
$14.22 |
|
City Lab
EGX:PHGC
|
$14.32 |
|
SUN RESOURCES (RSX.SG)
STU:RSX
|
$13.86 |
|
TRANS-NATIONWIDE EXPRESS PLC
XNSA:TRANSEXPR
|
$13.81 |
|
Newport Gold Inc
PINK:NWPG
|
$13.78 |
|
Suntex Enterprises Inc
PINK:SNTX
|
$13.57 |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in VPC Specialty Lending Investments PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 225,140,151 to 146,690,718, a change of -78,449,433 (-34.8%).
- Net loss of 46,777,155 reduced equity.
- Dividend payments of 19,813,279 reduced retained earnings.
- Share repurchases of 11,859,000 reduced equity.
- Other comprehensive income decreased equity by 75,689,600.
- Other factors increased equity by 75,689,601.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX-46.78 Million | -31.89% |
| Dividends Paid | GBX19.81 Million | -13.51% |
| Share Repurchases | GBX11.86 Million | -8.08% |
| Other Comprehensive Income | GBX-75.69 Million | -51.6% |
| Other Changes | GBX75.69 Million | +51.6% |
| Total Change | GBX- | -34.84% |
Book Value vs Market Value Analysis
This analysis compares VPC Specialty Lending Investments PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 23.67x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 8.19x to 23.67x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | GBX1.52 | GBX12.48 | x |
| 2016-12-31 | GBX0.95 | GBX12.48 | x |
| 2017-12-31 | GBX0.90 | GBX12.48 | x |
| 2018-12-31 | GBX0.90 | GBX12.48 | x |
| 2019-12-31 | GBX0.87 | GBX12.48 | x |
| 2020-12-31 | GBX0.92 | GBX12.48 | x |
| 2021-12-31 | GBX1.14 | GBX12.48 | x |
| 2022-12-31 | GBX0.98 | GBX12.48 | x |
| 2023-12-31 | GBX0.81 | GBX12.48 | x |
| 2024-12-31 | GBX0.53 | GBX12.48 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently VPC Specialty Lending Investments PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -31.89%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.00%
- • Asset Turnover: -0.26x
- • Equity Multiplier: 1.16x
- Recent ROE (-31.89%) is below the historical average (0.46%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 3.74% | 46.82% | 0.05x | 1.67x | GBX-24.08 Million |
| 2016 | 0.61% | 3.56% | 0.10x | 1.67x | GBX-34.10 Million |
| 2017 | 2.71% | 46.31% | 0.05x | 1.17x | GBX-24.76 Million |
| 2018 | 8.73% | 90.03% | 0.08x | 1.18x | GBX-4.16 Million |
| 2019 | 8.74% | 90.98% | 0.07x | 1.42x | GBX-3.68 Million |
| 2020 | 8.46% | 89.72% | 0.07x | 1.34x | GBX-4.17 Million |
| 2021 | 23.04% | 95.56% | 0.17x | 1.39x | GBX41.42 Million |
| 2022 | -8.10% | -56.14% | 0.10x | 1.38x | GBX-49.45 Million |
| 2023 | -11.47% | -66.14% | 0.15x | 1.17x | GBX-48.34 Million |
| 2024 | -31.89% | 0.00% | -0.26x | 1.16x | GBX-61.45 Million |
Industry Comparison
This section compares VPC Specialty Lending Investments PLC's net assets metrics with peer companies in the Asset Management industry.
Industry Context
- Industry: Asset Management
- Average net assets among peers: $395,694,700
- Average return on equity (ROE) among peers: -81.73%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| VPC Specialty Lending Investments PLC (VSL) | GBX78.63 Million | 3.74% | 0.03x | $13.87 |
| 3I Infrastructure PLC (3IN) | $1.09 Billion | 8.57% | 0.18x | $396.99K |
| 450 PLC (450) | $1.30 Million | -791.13% | 5.03x | $1.71K |
| abrdn Asian Income Fund Limited (AAIF) | $431.48 Million | 11.10% | 0.09x | $315.37 |
| Abrdn Asia Focus PLC (AAS) | $464.40 Million | -2.37% | 0.15x | $434.78 |
| Albion Technology & General VCT PLC (AATG) | $34.46 Million | 4.41% | 0.01x | $78.71 |
| Aberdeen Diversified Income and Growth Trust PLC (ADIG) | $492.42 Million | 0.00% | 0.32x | $16.61 |
| Aquila Energy Efficiency Trust PLC (AEET) | $97.38 Million | -0.64% | 0.00x | $2.38K |
| Aquila European Renewables Income PLC (AERI) | $320.23 Million | -9.29% | 0.00x | $2.45K |
| Artemis UK Future Leaders plc (AFL) | $84.35 Million | -40.52% | 0.02x | $401.26 |
| AVI Global Trust PLC (AGT) | $938.94 Million | 2.59% | 0.12x | $2.83 Million |