CV Holdings (CVHL) AI Stock Analysis

CV Holdings

(Other OTC:CVHL)

Select Model

Rating:42Neutral

Price Target:$0.01▼(-42.86% Downside)

Action:upgraded

Date:02/04/26

The score is primarily constrained by weak financial performance—persistent profitability issues, high leverage, and negative equity—despite some positive free cash flow signals. Technicals are also soft (negative MACD and below key moving averages), with only an oversold signal offering limited near-term support. Valuation impact is neutral because P/E and dividend yield are not provided.

Positive Factors

Diversified revenue streams & proprietary deal flowCVHL's model spans capital gains, management/performance fees and advisory income, supported by partnerships and proprietary deal flow. These fee-based and capital-return channels provide durable, diversified cash generation and sourcing advantages that reduce reliance on single markets and support long-term deal origination.

Negative Factors

High leverage & negative equity (solvency risk)The balance sheet shows significant leverage and negative shareholders' equity, creating a structural solvency concern. Persistently negative equity raises refinancing risk and cost of capital, limits strategic flexibility, and can force asset sales or restructuring, constraining durable growth options.

CV Holdings (CVHL) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $1.34M
Dividend Yield: ―
Average Volume (3M): 47.10K
Price to Earnings (P/E): -0.1
Beta (1Y): 0.65
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 57
Sector: Financial
Sector Strength: 68
Industry: REIT - Diversified

CV Holdings Business Overview & Revenue Model

Company Description

CV Holdings, Inc. operates as a specialized financial services provider. The company oversees various lending platforms, with key activities encompassing the financing of small-ticket equipment and offering bridge loans for commercial real estate pro...

CV Holdings Financial Statement Overview

Summary

Weak overall fundamentals: negative gross and net margins and consistent net losses outweigh modest revenue growth. Balance sheet risk is elevated with high leverage and negative stockholders’ equity (solvency concern). Cash flow is a relative bright spot with positive free cash flow growth, but operating cash flow conversion is described as low.

Income Statement

30Negative

Balance Sheet

25Negative

Cash Flow

40Negative

Financial statement breakdown
Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	26.73M	25.99M	-4.69M	18.50M	12.56M
Gross Profit	26.73M	-6.46M	-4.69M	18.50M	12.56M
EBITDA	7.77M	5.44M	5.99M	4.28M	2.23M
Net Income	-16.24M	-18.15M	-15.96M	-11.84M	-12.40M
Balance Sheet
Total Assets	147.71M	154.85M	149.35M	148.84M	112.08M
Cash, Cash Equivalents and Short-Term Investments	3.40M	2.69M	2.54M	11.65M	11.96M
Total Debt	259.88M	250.64M	227.76M	207.95M	160.30M
Total Liabilities	269.89M	260.53M	236.91M	216.79M	168.19M
Stockholders Equity	-122.18M	-105.68M	-87.56M	-67.95M	-56.11M
Cash Flow
Free Cash Flow	6.88M	6.44M	2.49M	5.41M	2.67M
Operating Cash Flow	6.88M	6.44M	2.49M	5.47M	2.73M
Investing Cash Flow	180.11K	-15.20M	-18.39M	-41.88M	-25.49M
Financing Cash Flow	-6.34M	8.91M	6.79M	36.10M	23.06M

CV Holdings Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CVHL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LOAN	74Outperform	$38.81M	8.18	11.14%	13.01%	-9.48%	-9.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CHMI	54Neutral	$96.06M	204.72	8.62%	15.38%	0.45%	14.51%
SACH	48Neutral	$39.32M	-3.12	-4.70%	14.63%	69.76%	71.12%
RPT	47Neutral	$84.79M	71.47	2.21%	13.43%	-9.52%	―
CVHL	42Neutral	$1.34M	-0.08	14.26%	―	―	―
LFT	37Underperform	$20.34M	-1.09	-6.31%	41.34%	-22.88%	-293.89%

* Financial Sector Average

Performance Comparison

CVHL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CVHL	CV Holdings	0.02	0.00	5.00%
LOAN	Manhattan Bridge Capital	3.42	-1.07	-23.78%
LFT	Lument Finance Trust, Inc.	3.87	-10.05	-72.19%
CHMI	Cherry Hill Mortgage Investment	2.60	0.60	30.13%
RPT	Rithm Property Trust Inc.	10.72	-2.34	-17.91%
SACH	Sachem Capital Corp.	0.82	-0.15	-15.11%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Feb 03, 2026

CV Holdings AI Stock Analysis