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Vertu Motors plc (VTMTF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Vertu Motors plc $1.40, price $1.18, upside +18.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Consumer Cyclical · US · ISIN GB00B1GK4645

VM Vertu Motors plc logo Broad data Sep 24, 2026

Vertu Motors plc

VTMTF · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $1.40 · Undervalued (+18.6%)
✓Quality 60/100
✓Healthy Growth (revenue 5y +13.7 %/yr)
!Thin margins · 0.3% net margin (TTM)
✓Low debt · generates free cash flow
✓1.8% dividend yield · Well covered
!Narrow moat 21/100

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$1.18 $0.2582 Fair Value $1.40 Mar 2017 Sep 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 24, 2026.

How to read this chart

60‑month range $0.2582 – $1.18 · fair‑value band $1.07 – $1.76 · the $1.18 price screens below the $1.40 fair value. As of Sep 24, 2026.

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Company profile

Vertu Motors plc operates as an automotive retailer in the United Kingdom. It sells new and used cars and motorcycles, vans, motability cars, electric vehicles, and commercial vehicles, as well as provides related aftersales services.

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Vertu Motors plc operates as an automotive retailer in the United Kingdom. It sells new and used cars and motorcycles, vans, motability cars, electric vehicles, and commercial vehicles, as well as provides related aftersales services. The company operates chain of franchised dealerships offering sales, service, parts, and body shop facilities for new and used cars, and commercial vehicles under the Bristol Street Motors, Macklin Motors, and Vertu Motors. The company's franchise dealerships include Audi, BMW, Honda, Jaguar, Jeep, Kia, Volvo, Land Rover, Mercedes-Benz, Mercedes-AMG, MINI, smart, Volkswagen, Citroen, CUPRA, Dacia, Ford, Hyundai, MG, Nissan, Renault, SEAT, SKODA, Vauxhall, Mazda, BYD, Peugeot, and Toyota. In addition, it operates as a pension scheme trustee; provides vehicle financing and leasing services; maintenance and repair of motor vehicles; and payroll administration services. Further, the company is involved in the online van and parts retailing; online advertising; and property businesses. The company was incorporated in 2006 and is headquartered in Gateshead, the United Kingdom.

Stock analysis

Vertu Motors plc (VTMTF) currently trades at $1.18, while our model-based Fair Value estimate is $1.40, implying the stock looks roughly 15.7% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $2.67 per share, and 14 of the 25 models we run sit above the $1.18 price.

Bear case: the Dividend Discount group reads lowest at $0.3100, and 11 of the 25 models stay below the price. Evidence for this calculation is high.

Scenario range: $1.07 (bear) to $1.76 (bull), the price of $1.18 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 60/100 (solid quality), in the Consumer Cyclical sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Vertu Motors plc reported revenue of £4.8B in FY2026 versus £3.6B in FY2022, a compound +7.6%/yr. Reported net income was £14.7M in FY2026, compounding −29.7%/yr from FY2022.

Key figures

Market cap $402M · P/E ratio 19.7 · P/S ratio 0.06 · EPS (TTM) $0.0600 · Dividend yield 1.8% · Net margin 0.3% · Return on equity 4.1% · Return on assets (EBIT) 4.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 50% above its 52-week low.

For context, the median of 10 Consumer Cyclical peers we cover trades at −12% fair-value upside, at 19%, VTMTF screens cheaper than that median.

Fair Value models

Bear $1.07 Fair Value $1.40 Bull $1.76
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. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.0232 per share) are deliberately not added. 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. 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.
Highest evidence
FCF DCF $1.78 $2.80 $4.19 80
Growth DCF $1.76 $2.67 $3.83 78
Owner Earnings $1.65 $2.61 $3.91 76
All 25 models by family
DCF Models
FCF DCF $1.78 $2.80 $4.19 80
Owner Earnings $1.65 $2.61 $3.91 76
5Y Revenue Exit $1.30 $2.12 $3.17 72
5Y EBITDA Exit $2.12 $3.74 $5.69 74
5Y P/E Exit $1.15 $1.81 $2.52 70
10Y Revenue Exit $1.45 $2.20 $3.24 66
10Y EBITDA Exit $1.94 $3.19 $4.98 67
10Y P/E Exit $1.39 $2.01 $2.79 64
Earnings-Based
Graham-Dodd $0.4300 $1.74 $2.36 64
Lynch FV $0.4300 $0.6200 $0.8000 61
PEG = 1.0 $0.4300 $0.6200 $0.8000 57
EPV $0.5700 $0.6700 $0.7500 74
Dividend Discount
Gordon GGM $0.2000 $0.3300 $0.4300 68
DDM Multi-Stage $0.2000 $0.3100 $0.3500 67
Multiples
P/E Multiple $1.05 $1.40 $1.75 63
P/S Multiple $0.8100 $1.08 $1.35 58
P/B Multiple $0.8100 $1.08 $1.35 55
EV/EBIT $1.63 $2.25 $2.87 66
EV/EBITDA $2.67 $3.65 $4.62 67
EV/Revenue $1.02 $1.56 $2.10 53
Asset-Based
NCAV (Graham) $0.7800 $1.04 $1.55 54
Growth DCF
Growth DCF $1.76 $2.67 $3.83 78
Economic Profit
Residual Income $1.05 $1.00 $1.01 76
ROIC Compounder $0.5700 $0.6700 $0.7500 72
Growth Earnings
Growth-Adj P/E $0.7800 $1.11 $1.45 67

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Quality Score breakdown

Overall quality 60/100

Of which business quality 59 · Market factors (momentum, volatility) 82

Profitability 44
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 48
Earnings quality: real cash, not paper profit
Fin. Strength 46
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 39
Calm price path (market factor)
Momentum 100
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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. 85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.8%
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.
+6.5%
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.
+13.7%
Start year 2021 (pandemic). Over 10 years: +7.2% a year
Revenue growth 18 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.
+11.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+3.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.1%
Dividend (yield on the price)1.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.3% vs −3.1%, steady
Profit margin 2021 to 2026 ⓘ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.1% → 1%
Start year 2021 (pandemic)

Growth Forecast

Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
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).
−0.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in GBP, UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −2.7% a year for the price and +0.0% for the forecasts.
Forecast 2027 (sales)+2.6%
Forecast 2028 (sales)+2.3%
Projected 2029 (sales)+2.3%
Projected 2030 (sales)+2.3%
Projected 2031 (sales)+2.2%

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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

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Cite: Fair Value Calculator (2026). "Vertu Motors plc Fair Value". https://www.fairvalue-calculator.com/stock/VTMTF

Frequently asked questions

Is Vertu Motors plc (VTMTF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $1.40 versus the last price from Sep 25, 2026 of $1.18, about +19% upside (undervalued).
What is the fair value of VTMTF?
Our model-based fair value for Vertu Motors plc is $1.40 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $1.18.
What is the quality score of VTMTF?
Vertu Motors plc has a Quality Score of 60/100. 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 Vertu Motors plc (VTMTF)?
Our model-based price target is the fair value of $1.40 (as of Sep 24, 2026) from 25 valuation models. Cautious scenario $1.07, optimistic scenario $1.76. It is a calculation from audited fundamentals, not an analyst target.
What is the Vertu Motors plc stock forecast for 2026?
Our models put fair value at $1.40, about +19% upside versus the last price from Sep 25, 2026 of $1.18 (undervalued). Cautious scenario $1.07, optimistic scenario $1.76. The calculation is refreshed regularly with new filings.
What is the revenue of Vertu Motors plc (VTMTF)?
Vertu Motors plc reported trailing-twelve-month revenue of about £4.8B (latest available figure, as of Sep 24, 2026).
Does Vertu Motors plc pay a dividend?
Vertu Motors plc currently shows a dividend yield of about 1.78% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Vertu Motors plc (VTMTF)?
For today's price to be fair in a discounted-cash-flow model, Vertu Motors plc would have to grow free cash flow by -0.4 % per year for five years (discount rate 12.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of VTMTF use?
Our models discount Vertu Motors plc at 12.1 %: a base by market capitalisation (micro), damped by beta 0.79, 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 Vertu Motors plc that is -0.4 % per year a year over ten years, using the same discount rate (12.1 %) and the same formula as our fair value.
How much growth has Vertu Motors plc (VTMTF) delivered so far?
Over the past 5 years revenue at Vertu Motors plc grew +13.7 % a year. The price currently implies -0.4 % per year free-cash-flow growth a 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 Vertu Motors plc (VTMTF) growing?
The median revenue growth in the sector is +3.9 % a year. That is the yardstick for the growth priced into Vertu Motors plc (-0.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Vertu Motors plc (VTMTF)?
The free-cash-flow yield on the price is 13.46 %: that much free cash flow Vertu Motors plc produces per unit of market value. When it exceeds the discount rate of our models (12.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Vertu Motors plc (VTMTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vertu Motors plc it is $1.40 per share (as of Sep 24, 2026), against a price of $1.18. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is Vertu Motors plc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VTMTF trades below its calculated fair value: price $1.18, fair value $1.40, a gap of about +19% (undervalued). 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 VTMTF?
No. The price is what the market pays today ($1.18); the fair value is what the company's own numbers justify ($1.40). For Vertu Motors plc the two are $0.2200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Vertu Motors plc worth?
The market values Vertu Motors plc at about $402M (market capitalisation, as of Sep 24, 2026). Per share that is $1.18; our models calculate a fair value of $1.40 per share.
What do the bullish and bearish scenarios say about VTMTF?
Our models span a range for Vertu Motors plc: cautious scenario $1.07, base $1.40, optimistic $1.76 per share (as of Sep 24, 2026, price $1.18). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is VTMTF from its 52-week high?
Vertu Motors plc trades at $1.18, at its 52-week high of $1.18 and 50% above the low of $0.7884 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $1.40 is for.
Which stocks are comparable to Vertu Motors plc?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, D'Ieteren Group, Hotai Motor Co, 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 Vertu Motors plc stock attractive at the current price?
The data as of Sep 24, 2026: price $1.18, calculated fair value $1.40 (+19%), Quality Score 60/100, from 25 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 VTMTF calculated?
We run Vertu Motors plc through 25 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 $1.40, 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 14.5 % above its aggregate fair value. Vertu Motors plc currently trades 16 % 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 Vertu Motors plc (VTMTF)?
The latest price we hold is from Sep 25, 2026 and stands at $1.18. Our model-based fair value is $1.40, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vertu Motors plc right now?
The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Vertu Motors plc (VTMTF) come from?
Earnings per share at Vertu Motors plc grew −0.1 % a year from 2015 to 2026. Broken into its drivers: revenue per share +8.2 %, EBIT margin −1.7 %, tax rate −0.9 %, residual (interest, one-offs) −5.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Vertu Motors plc

How large is the market capitalisation of Vertu Motors plc (VTMTF)?
The market capitalisation of Vertu Motors plc is $402M. 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/E ratio of Vertu Motors plc (VTMTF)?
The price-to-earnings ratio of Vertu Motors plc is 19.7. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Vertu Motors plc (VTMTF)?
The price-to-sales ratio of Vertu Motors plc is 0.06 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vertu Motors plc (VTMTF)?
Earnings per share at Vertu Motors plc are $0.0600 (price ÷ EPS = P/E 19.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Vertu Motors plc (VTMTF)?
The dividend yield of Vertu Motors plc is 1.8% (payout 35.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Vertu Motors plc (VTMTF)?
The net margin of Vertu Motors plc is 0.3% (fiscal year 2026). 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 Vertu Motors plc (VTMTF)?
The return on equity (ROE) of Vertu Motors plc is 4.1% (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 Vertu Motors plc (VTMTF)?
On an EBIT basis the return on assets of Vertu Motors plc is 4.0% (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 Vertu Motors plc (VTMTF)?
The operating margin of Vertu Motors plc is 1.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vertu Motors plc (VTMTF)?
Revenue at Vertu Motors plc is growing +1.5% versus a year earlier (3y avg +6.5%). 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 Vertu Motors plc (VTMTF)?
Earnings per share at Vertu Motors plc are growing −83.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Vertu Motors plc (VTMTF) carry?
The net debt of Vertu Motors plc is £160M (fiscal year 2026, ≈ 3.9 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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