DVL

DVLN

Financial - Mortgages · Financial Services

Price

$3400.00

+0.00 (+0.00%)

Market Cap

$16.1M

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−11.7% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 5K (2021) → 5K (2025)

DVL, Inc. is a small financial company that holds and manages mortgage-related assets. Its core business involves owning interests in old mortgage loans and collecting payments from those loans over time. The company does not originate new loans or serve everyday banking customers — it primarily manages a legacy portfolio of existing mortgage assets.

DVL earns money by collecting cash flows from its mortgage holdings rather than charging fees or selling products. It operates in the United States and is an extremely small company, with a market cap that rounds to zero, meaning it has very limited scale or resources. The company's operating margin is deeply negative, which signals that its expenses far exceed the income its assets generate — the central risk here is whether the remaining mortgage portfolio can produce enough cash to keep the business viable over time.

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

-24.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+200.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~3 years

$2M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

$2M cash & investments at current burn rate

Revenue declining

DVL'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.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

3.2%

Thin — 3.2% gross margin

Operating Margin

20.6%

Excellent — 20.6% operating margin

ROCE

0.6%

Weak — 0.6% 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

-3.4%

Shrinking sales (-3.4% YoY)

EPS YoY

+102.3%

Earnings growing fast (102.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

69%

Modest — 69% of profit becomes cash

FCF Margin

16.3%

Converts sales into free cash efficiently (16.3%)

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

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Stability

Debt / Equity

1.36

Elevated debt (1.36)

Interest Cover

0.23x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

9.7x

Attractive valuation — P/E 9.7

P/E under 10. The price tag is small relative to last year's profit.

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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