Vrna.Jk
VRNA.JK operates in the consumer lending industry, providing banking services focused on consumer finance, including personal loans and credit products.
Business. VRNA.JK operates in the consumer lending industry, providing banking services focused on consumer finance, including personal loans and credit products.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
VRNA.JK operates in the consumer lending industry, providing banking services focused on consumer finance, including personal loans and credit products.
VRNA.JK has a liquidity profile that is currently medium, with a price-to-book ratio of 0.63 and a debt-to-equity ratio of 3.12, indicating a relatively high leverage position. The company's free cash flow of 15.55 billion is modest compared to its operating cash flow of 91.75 billion, suggesting that capital expenditures are consuming a portion of its operating cash.
Profitability metrics for VRNA.JK are weak, with a return on equity of 0.39% and a return on assets of 0.09%, both significantly below the typical thresholds for healthy financial institutions. The company's net income of 2.89 billion is a fraction of its operating income of 138.74 billion, indicating high operating expenses or interest costs.
The company's revenue is concentrated in its core consumer lending business, with no disclosed segments or geographic breakdowns provided in the available data. This lack of diversification could expose VRNA.JK to regional or sector-specific risks, particularly in the consumer finance market.
Looking ahead, VRNA.JK's growth trajectory is uncertain, with no specific numeric deltas or revenue projections provided in the available data. The company's capital expenditures are negative, suggesting asset disposals or a reduction in investment, which may impact future growth.
Risk factors for VRNA.JK include a medium liquidity risk and a low dilution risk. The company's net cash is negative after subtracting total debt, indicating a potential liquidity challenge. However, the dilution risk is low, suggesting that the company is not expected to issue additional shares in the near term.
Recent events and filings for VRNA.JK are not detailed in the available data, but the company's financial performance and risk profile suggest a need for close monitoring of its liquidity and profitability metrics.
- VRNA.JK has a high debt-to-equity ratio of 3.12, indicating a leveraged capital structure.
- The company's return on equity is 0.39%, which is below the industry average for financial institutions.
- VRNA.JK's liquidity is medium, with a price-to-book ratio of 0.63 and a negative net cash position.
- The company's capital expenditures are negative, suggesting a reduction in investment.
- VRNA.JK's net income is significantly lower than its operating income, indicating high operating expenses or interest costs.
- The company's growth trajectory is uncertain, with no specific revenue projections provided.
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- Net cash is negative after subtracting total debt.
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- VRNA.JK Market data — financials · 2026-05-29