# Volta Finance Limited (VTA.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price €6.20, market value €227 million.

## Valuation
- **P/E (trailing): 0.1×** (5-yr avg 180.6×, 3-yr avg 240.1×). Volta Finance Limited trades at 0.1× trailing earnings, well below its own five-year average of 180.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 2.7×**. Each dollar of revenue is priced at 2.7×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 39.0%** (5-yr avg 20.0%). Free cash flow equals 39.0% of the market value, above its five-year average of 20.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 1433.9%**. The inverse of the P/E: 1433.9% of the price is earned each year.

## Profitability
- **Gross margin: 85.8%**. Volta Finance Limited keeps 85.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 53.8%**. 53.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 83.5%**. 83.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.9%**. 12.9% on shareholders' equity is solid.
- **Return on assets: 16.6%**. Each dollar of assets produces 16.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -25.3%** (3-yr 0.6%/yr). Revenue fell 25.3% over the last year.
- **EPS growth (1 yr): -21.1%**. Earnings per share fell 21.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 18.9%/yr**. Free cash flow has compounded at 18.9% a year over three years.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: €278 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 10.25%** (€0.61 per share, trailing). Volta Finance Limited yields 10.25%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 63%** (49% of free cash flow). 63% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 6.8%/yr** (1-yr 5.2%). The dividend has grown 6.8% a year over five years.
- **Shareholder yield: 10.3%**. Dividends plus net buybacks return 10.3% of the market value a year.

## Price and momentum
- **Total return (1 yr): 8468.9%** (YTD -10.5%). The shares are up 8468.9% over twelve months including dividends.
- **From 52-week high: -99.1%** (2.1% above the low). Trading 99% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.

Live score and charts: https://foliofundamentals.com/analyzer?s=VTA.L · Page: https://foliofundamentals.com/stocks/vta.l

Not investment advice.