# Volta Finance Limited (VTAS.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price 516p, market value 189 millionp.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Volta Finance Limited reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 2.6×**. Each dollar of revenue is priced at 2.6×.
- **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: 40.3%** (5-yr avg 20.0%). Free cash flow equals 40.3% 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.

## Profitability
- **Gross margin: 96.8%**. Volta Finance Limited keeps 96.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 51.6%**. 51.6% 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): -8.4%**. Revenue fell 8.4% over the last year.
- **EPS growth (1 yr): -21.1%**. Earnings per share fell 21.1%, slower than revenue, so margins compressed.
- **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: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 239 millionp**. 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: 9.66%** (1p per share, trailing). Volta Finance Limited yields 9.66%, 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: 9.7%**. Dividends plus net buybacks return 9.7% 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: -27.9%** (8385.6% above the low). Trading 28% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): -11.13**. Beta of -11.13 against the FTSE All-Share: the shares move much less than the market.

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

Not investment advice.