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Data-driven stock valuation

Vera Bradley Inc (VRA) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Vera Bradley Inc stock $3.48, price $7.05, that is 50.6% below the price, quality 55 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

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Consumer Cyclical US

VB Vera Bradley Inc logo Thin data Nov 8, 2026

Vera Bradley Inc

VRA · US
Solid, but very expensive

Our calculation puts a fair price 51% below what the stock costs today.

Low debt
Generates free cash flow
Quality 55/100
Neutral coverage
Insiders bought $265,021 (6M)
Profit last quarter 37% below a year ago.
Fair value $3.48 · Strongly overvalued
Weak Growth (revenue 5y −10.5 %/yr in USD)
Loss-making · -3.7% net margin (TTM)
Trails peers (4/12)
Narrow moat 14/100
Thin data
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69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.11 $1.73 Fair Value $3.48 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $1.73 – $12.11 · fair‑value band $2.96 – $4.18 · the $7.05 price screens above the $3.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Vera Bradley, Inc., together with its subsidiaries, designs and manufactures women's handbags, luggage and travel items, fashion and home accessories, and gifts in the United States. It operates through two segments, Vera Bradley Direct and Vera Bradley Indirect.

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The company offers bag products, such as backpacks, totes, crossbodies, lunch bags, satchels, clutches, and baby bags; accessories, including ID holders, lanyards, wallets, wristlets, eyewear, various technology accessories, and bag charms.

It also provides travel products comprising rolling luggage, cosmetics, travel and packing accessories, and travel bags, which include duffel and weekend bags; home products, such as textiles, throw blankets, beach towels, bedding, mugs, and tumblers; sleepwear, outerwear, slippers, and socks under the Vera Bradley brand; and stationery, licensing, freight, merchandising, and gift card breakage services.

The company sells its Vera Bradley branded products through its full-line and outlet stores in the United States; e-commerce sites, such as verabradley.com, outlet.verabradley.com, and international.verabradley.com; direct to consumer marketplaces; and its annual outlet sale in Fort Wayne, Indiana, as well as through specialty retail locations, department stores, national accounts, third-party inventory liquidators, and through licensing agreements.

Vera Bradley, Inc. was incorporated in 1982 and is headquartered in Roanoke, Indiana.

Stock analysis

Vera Bradley Inc (VRA) currently trades at $7.05, while our model-based Fair Value estimate is $3.48, 51% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $3.97 per share, and 0 of the 9 models we run sit above the $7.05 price.

Bear case: the Asset-Based group reads lowest at $0.6000, and 9 of the 9 models stay below the price. Data coverage for this calculation is low.

Scenario range: $2.96 (bear) to $4.18 (bull), the price of $7.05 sits above 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 55/100 (solid quality), in the Consumer Cyclical sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Vera Bradley Inc reported revenue of $270M in FY2026 versus $540M in FY2022, a compound −16.0%/yr. Reported net income was −$47.8M in FY2026.

Key figures

Market cap $212M Micro · P/S ratio 0.64 · EPS (TTM) $−0.3600 · Net margin −3.7% · Return on equity −7.4% · Return on assets (EBIT) −8.2% (5-year average) · Operating margin 5.9% · Revenue (TTM) $274M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 14 out of 100 (medium confidence).

What moves the price

The share trades about 6% below its 52-week high and 292% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at 30% fair-value upside, at −51%, VRA screens richer than that median.

Fair Value models

Bear $2.96 Fair Value $3.48 Bull $4.18
Price $7.05 · Downside -50.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
FCF DCF $2.96 $3.48 $4.28 82
Growth DCF $3.01 $3.49 $4.18 80
5Y EBITDA Exit $1.90 $2.01 $2.17 77
All 9 models by family
DCF Models
FCF DCF $2.96 $3.48 $4.28 82
5Y Revenue Exit $3.27 $4.38 $5.99 73
5Y EBITDA Exit $1.90 $2.01 $2.17 77
10Y Revenue Exit $3.05 $3.72 $4.42 68
10Y EBITDA Exit $2.44 $2.57 $2.66 70
Multiples
EV/Revenue $1.38 $2.75 $4.12 51
Asset-Based
NCAV (Graham) $0.4000 $0.6000 $0.7600 54
Growth DCF
Growth DCF $3.01 $3.49 $4.18 80
Rev-Margin DCF $3.27 $4.45 $5.90 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 28
Are margins and returns getting better?
Cashflow 42
Do the profits arrive as real cash?
Financial strength 78
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 12
How calm the share price moves, does not count
Price momentum 100
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 71
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $265,021, most recently on Oct 6, 2026. Buying cluster

  • BuyIvan BrockmanDirector2× since Sep 25, 2026: 12,500 shares, avg. $4.82$60,200Oct 6, 2026
  • BuyIan BickleyChief Executive Officer, Director2× since Dec 12, 2025: 81,901 shares, avg. $2.62$214,667Jun 12, 2026
  • BuyAndrew MeslowDirector2× since Dec 12, 2025: 324,926 shares, avg. $2.11$684,474Jun 12, 2026

Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

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. 18/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−27.5%
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.
−18.6%
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.
−10.5%
Start year 2021 (pandemic). Over 10 years: −6.0% a year
Revenue growth 17 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.
+0.7%
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.
2.8% (2021) → −10.2% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+19.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +16.3% a year for the price.

VRA screens overvalued: fair value 51% below the price. Compare with NIKE, Inc →

Earlier news

News mood ⓘNews mood, the average tone of recent news (72 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.

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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.Footwear & Accessories · 92 stocks

Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 55 · Below median
Fair Value upside −50.6% · Bottom 25%
Profitability
Return on assets −20.4% · Bottom 25%
Net margin (12 months) −3.7% · Bottom 25%
Operating margin (12 months) 5.9% · Above median
Growth and dividend
Revenue growth (quarter YoY) 1.1% · Below median

Valuation Multiplesvs Footwear & Accessories median · lower = cheaper

P/B 1.61× · Pricier than median
P/S (12 months) 0.77× · Cheaper than median
Price / free cash flow (fiscal year) 21.0× · Pricier than median
PEG 1.15× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 47
FUTURE (revenue growth)6 · sector 14
PAST (return on equity)0 · sector 24
HEALTH (low debt)100 · sector 96
DIVIDEND (yield)0 · sector 64

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Footwear & Accessories stocks, each showing price versus our Fair Value estimate.

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Zhejiang China Commodities City Group 600415 ¥12.30 ¥29.20 +137% vs VRA
Yue Yuen Industrial (Holdings) Limited 0551 HK$13.74 HK$31.66 +130% vs VRA
Deckers Outdoor Corporation DECK $86.71 $176.31 +103% vs VRA
Crocs, Inc CROX $151.86 $219.85 +45% vs VRA
Birkenstock Holding BIRK $37.32 $48.51 +30% vs VRA
Huali Industrial Group 300979 ¥40.50 ¥51.22 +26% vs VRA
NIKE, Inc NKE $38.59 $34.42 −11% vs VRA
On Holding ONON $37.36 $27.07 −28% vs VRA
adidas AG ADS €174.55 €126.17 −28% vs VRA
PUMA SE PUM €26.82 €5.52 −79% vs VRA

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Vera Bradley Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Vera Bradley Inc Fair Value". https://www.fairvalue-calculator.com/stock/VRA

Frequently asked questions

Is Vera Bradley Inc (VRA) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $3.48 versus a price of $7.05, about 51% lower (overvalued).
What is the fair value of VRA?
Our model-based fair value for Vera Bradley Inc is $3.48 (as of Nov 8, 2026), built from audited fundamentals. The current price: $7.05.
What is the quality score of VRA?
Vera Bradley Inc has a Quality Score of 55/100. 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 Vera Bradley Inc (VRA)?
Our model-based price target is the fair value of $3.48 (as of Nov 8, 2026) from 9 valuation models. Cautious scenario $2.96, optimistic scenario $4.18. It is a calculation from audited fundamentals, not an analyst target.
What is the Vera Bradley Inc stock forecast for 2026?
Our models put fair value at $3.48, about 51% lower versus a price of $7.05 (overvalued). Cautious scenario $2.96, optimistic scenario $4.18. The calculation is refreshed regularly with new filings.
What is the revenue of Vera Bradley Inc (VRA)?
Vera Bradley Inc reported trailing-twelve-month revenue of about $274M (latest available figure, as of Nov 8, 2026).
What growth is priced into Vera Bradley Inc (VRA)?
For today's price to be fair in a discounted-cash-flow model, Vera Bradley Inc would have to grow free cash flow by +19.0 % per year for five years (discount rate 14.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -10.5 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of VRA use?
Our models discount Vera Bradley Inc at 14.3 %: a base by market capitalisation (micro), damped by beta 1.50, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Vera Bradley Inc that is +19.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (14.3 %) and the same formula as our fair value.
How much growth has Vera Bradley Inc (VRA) delivered so far?
Over the past 5 years revenue at Vera Bradley Inc grew -10.5 % a year. The price currently implies free-cash-flow growth of +19.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Vera Bradley Inc (VRA) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Vera Bradley Inc (+19.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Vera Bradley Inc (VRA)?
The free-cash-flow yield on the price is 4.76 %: that much free cash flow Vera Bradley Inc produces per unit of market value. When it exceeds the discount rate of our models (14.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Vera Bradley Inc (VRA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vera Bradley Inc it is $3.48 per share (as of Nov 8, 2026), against a price of $7.05. It is the blended result of 9 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is Vera Bradley Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, VRA trades above its calculated fair value: price $7.05, fair value $3.48, a gap of about −51% (overvalued). 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 VRA?
No. The price is what the market pays today ($7.05); the fair value is what the company's own numbers justify ($3.48). For Vera Bradley Inc the two are $3.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is Vera Bradley Inc worth?
The market values Vera Bradley Inc at about $212M (market capitalisation, as of Nov 8, 2026). Per share that is $7.05; our models calculate a fair value of $3.48 per share.
What do the bullish and bearish scenarios say about VRA?
Our models span a range for Vera Bradley Inc: cautious scenario $2.96, base $3.48, optimistic $4.18 per share (as of Nov 8, 2026, price $7.05). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of VRA?
The PEG ratio of Vera Bradley Inc is 1.15 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Vera Bradley Inc (VRA)?
Balance-sheet figures for Vera Bradley Inc (as of Nov 8, 2026): return on equity −7.4%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is VRA from its 52-week high?
Vera Bradley Inc trades at $7.05, about 6% below its 52-week high of $7.53 and 292% above the low of $1.80 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $3.48 is for.
Which stocks are comparable to Vera Bradley Inc?
From the same area (Consumer Cyclical) we also value NIKE, Inc, adidas AG, On Holding, Deckers Outdoor 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 Vera Bradley Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $7.05, calculated fair value $3.48 (−51%), Quality Score 55/100, from 9 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 VRA calculated?
We run Vera Bradley Inc through 9 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of $3.48 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Vera Bradley Inc itself currently trades above fair value. 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 Vera Bradley Inc (VRA)?
The closing price on Nov 6, 2026 was $7.05. Our model-based fair value is $3.48, about 51% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vera Bradley Inc right now?
The price sits above even our optimistic bull case ($4.18). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder.

Key figures of Vera Bradley Inc

How large is the market capitalisation of Vera Bradley Inc (VRA)?
The market capitalisation of Vera Bradley Inc is $212M. 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 is the P/S ratio of Vera Bradley Inc (VRA)?
The price-to-sales ratio of Vera Bradley Inc is 0.64 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vera Bradley Inc (VRA)?
Earnings per share at Vera Bradley Inc are $−0.3600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Vera Bradley Inc (VRA)?
The net margin of Vera Bradley Inc is −3.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Vera Bradley Inc (VRA)?
The return on equity (ROE) of Vera Bradley Inc is −7.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Vera Bradley Inc (VRA)?
On an EBIT basis the return on assets of Vera Bradley Inc is −8.2% (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 Vera Bradley Inc (VRA)?
The operating margin of Vera Bradley Inc is 5.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vera Bradley Inc (VRA)?
Revenue at Vera Bradley Inc is growing +1.1% versus a year earlier (3y avg −18.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Vera Bradley Inc (VRA)?
Earnings per share at Vera Bradley Inc are growing −36.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Vera Bradley Inc (VRA) carry?
The net debt of Vera Bradley Inc is $52.0M (fiscal year 2026, ≈ 5.2 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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