Cv Holdings Inc (CVHL) fair value: what the stock is really worth
As of Sep 21, 2026: fair value of Cv Holdings Inc $0.01, price $0.01, upside +4.3%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.0030 – $0.0570 · fair‑value band $0.0132 – $0.0166 · the $0.0139 price screens below the $0.0145 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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CV Holdings, Inc. operates as a specialty finance company. It owns ownership in finance platforms across multiple businesses, including small-ticket equipment financing and commercial real estate bridge lending. CV Holdings, Inc. was incorporated in 2005 and is based in Newport Beach, California.
Stock analysis
Cv Holdings Inc (CVHL) currently trades at $0.0139, while our model-based Fair Value estimate is $0.0145, implying the stock looks roughly 4.1% fairly valued today.
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Valuation
How firm this estimate is: it rests on 13 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.0132 (bear) to $0.0166 (bull), the price of $0.0139 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cv Holdings Inc reported revenue of $26.7M in FY2025 versus $12.6M in FY2021, a compound +20.8%/yr. Reported net income was −$16.2M in FY2025.
Key figures
Market cap $1.1M · EPS (TTM) $−1.13 · Net margin −60.8% · Return on assets (EBIT) 3.4% · Operating margin 46.9% · Revenue (TTM) −$4.6M · Free cash flow $6.9M · Net debt $256M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).
What moves the price
The share trades about 44% below its 52-week high and 167% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 4%, CVHL screens cheaper than that median.
Fair Value models
Bear $0.0132Fair Value $0.0145Bull $0.0166
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+2.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.3%
Start year 2020 (pandemic). Over 10 years: +14.3% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−32.8% (2020) → 29.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score45 · Below median
Fair Value upside+4% · Below median
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−11% · Bottom 25%
Net margin (TTM)−61% · Bottom 25%
Operating margin (TTM)47% · Above median
Growth and dividend
Revenue growth0% · Below median
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Credit Services median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/FCF0.2× · Cheaper than median
EV/EBITDA8.2× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)39· sector 48
FUTURE (revenue growth)0· sector 39
PAST (return on equity)0· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)0· sector 66
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Is Cv Holdings Inc (CVHL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0145 versus a price of $0.0139, about +4% upside (fairly valued).
What is the fair value of CVHL?
Our model-based fair value for Cv Holdings Inc is $0.0145 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.0139.
What is the quality score of CVHL?
Cv Holdings Inc has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Cv Holdings Inc (CVHL)?
Our model-based price target is the fair value of $0.0145 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario $0.0132, optimistic scenario $0.0166. It is a calculation from audited fundamentals, not an analyst target.
What is the Cv Holdings Inc stock forecast for 2026?
Our models put fair value at $0.0145, about +4% upside versus a price of $0.0139 (fairly valued). Cautious scenario $0.0132, optimistic scenario $0.0166. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Cv Holdings Inc (CVHL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cv Holdings Inc it is $0.0145 per share (as of Sep 24, 2026), against a price of $0.0139. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Cv Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CVHL trades below its calculated fair value: price $0.0139, fair value $0.0145, a gap of about +4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CVHL?
No. The price is what the market pays today ($0.0139); the fair value is what the company's own numbers justify ($0.0145). For Cv Holdings Inc the two are $0.0006 per share apart. That gap is exactly why we show both numbers side by side.
How much is Cv Holdings Inc worth?
The market values Cv Holdings Inc at about $1.1M (market capitalisation, as of Sep 24, 2026). Per share that is $0.0139; our models calculate a fair value of $0.0145 per share.
What do the bullish and bearish scenarios say about CVHL?
Our models span a range for Cv Holdings Inc: cautious scenario $0.0132, base $0.0145, optimistic $0.0166 per share (as of Sep 24, 2026, price $0.0139). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Cv Holdings Inc (CVHL)?
Balance-sheet figures for Cv Holdings Inc (as of Sep 24, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is CVHL from its 52-week high?
Cv Holdings Inc trades at $0.0139, about 44% below its 52-week high of $0.0248 and 167% above the low of $0.0052 (as of Sep 21, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0145 is for.
Which stocks are comparable to Cv Holdings Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Cv Holdings Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $0.0139, calculated fair value $0.0145 (+4%), Quality Score 46/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CVHL calculated?
We run Cv Holdings Inc through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0145, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Cv Holdings Inc currently trades 4 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Cv Holdings Inc (CVHL)?
The closing price on Sep 21, 2026 was $0.0139. Our model-based fair value is $0.0145, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cv Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Cv Holdings Inc
How large is the market capitalisation of Cv Holdings Inc (CVHL)?
The market capitalisation of Cv Holdings Inc is $1.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Cv Holdings Inc (CVHL)?
Earnings per share at Cv Holdings Inc are $−1.13. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Cv Holdings Inc (CVHL)?
The net margin of Cv Holdings Inc is −60.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Cv Holdings Inc (CVHL)?
On an EBIT basis the return on assets of Cv Holdings Inc is 3.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Cv Holdings Inc (CVHL)?
The operating margin of Cv Holdings Inc is 46.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Cv Holdings Inc (CVHL) generate?
Cv Holdings Inc generates revenue of −$4.6M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How much free cash flow does Cv Holdings Inc (CVHL) generate?
The free cash flow of Cv Holdings Inc is $6.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Cv Holdings Inc (CVHL) carry?
The net debt of Cv Holdings Inc is $256M (fiscal year 2025, ≈ 37.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 24, 2026