CV Holdings

CVHL

REIT - Mortgage · Financial Services

Price

$0.02

+0.00 (+0.00%)

Market Cap

$1.3M

Exchange

Other OTC

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 9, 2026 · filings through Dec 31, 2008

CV Holdings, Inc. is a small mortgage real estate investment trust (REIT) that invests in mortgage-related assets. These can include mortgage loans, mortgage-backed securities, and similar financial instruments. The company operates in the financial services sector, essentially acting as a specialized investor that channels money into the housing finance market.

As a REIT, CV Holdings is required to distribute most of its taxable income to shareholders as dividends, and it earns money primarily through the interest spread between what it earns on its mortgage assets and what it pays to borrow funds. The company appears to be very small, with a market cap near zero, suggesting it is either a shell, early-stage, or winding down operations. The main risk for any mortgage REIT is interest rate sensitivity — when rates rise sharply, borrowing costs increase and asset values can fall, squeezing profitability and threatening dividend sustainability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-35.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-508.5% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.3%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$1.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

CV Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 64.4M (2021) → 64.4M (2025)

Score breakdown

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

5.4%

Thin — 5.4% operating margin

ROCE

0.1%

Weak — 0.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-23.8%

Shrinking sales (-23.8% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

11.8%

Modest free cash flow (11.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

4.72

Heavy debt load (4.72)

Interest Cover

2.24x

Tight — interest eats into profit (2.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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