On the stock market since 1983, it operates in the world of money and finance. It has 117 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
An average decline of 5% a year over the last 4 years — the most striking risk in this picture.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Growth: Sales growth trails the sector average.
An investor who bought at the very peak is down 62% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 65% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 6 buys and 2 sells. Management buying with its own money is usually read as a good sign.
It pays out $1.33 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 6% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 11/100.
The growth engine is running at low revs right now. Report-card grade: 15/100.
On our five-subject report card, VALU sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: VALU is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.