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Finance

VCredit Holdings has been growing its revenues and asset by 37.0% and 40.2% a year on average in the last 3 years. Its loans and deposits have grown by 32.5% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 13.7% in the last three years with net profit growing 50.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 96.3% in 2018, compared to 103% average in the last three years.

Equity represented 23.8% of total assets or 31.4% of loans at the end of 2018. VCredit Holdings's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

VCredit Holdings stock traded at CNY 8.39 per share at the end of 2018 resulting in a market capitalization of USD 427 mil. Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 13.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 1.06x in 2018.