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VPC Specialty Lending Investments PLC
VSL.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | -£30.56M | 108.1% | -£33.04M | £15.28M | N/A |
| 2027 | -£34.11M | 108.1% | -£36.87M | £17.06M | £15.50M |
| 2028 | -£38.07M | 108.1% | -£41.15M | £19.03M | £15.73M |
| 2029 | -£42.48M | 108.1% | -£45.92M | £21.24M | £15.96M |
| 2030 | -£47.41M | 108.1% | -£51.25M | £23.71M | £16.19M |
| 2031 | -£52.91M | 108.1% | -£57.20M | £26.46M | £16.43M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | -£0.12 | 2025-12-31 |
| EPS growth | +29.4% | Forecast years: 5 |
| Future EPS | N/A | EPS × (1 + G)^5 |
| Base P/E | 4 | P/E |
| Future price | N/A | Future EPS × P/E |
| Fair value today | N/A | PV @ 10.0% |
| 30% safety price | N/A | Margin of safety |
| 50% safety price | N/A | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | £84.008 | £94.035 | £107.71 |
| 10.0% | £73.892 | £81.284 | £90.952 |
| 11.0% | £65.92 | £71.549 | £78.679 |