Vera Bradley, Inc. key statistics and ratios

In fiscal 2026, Vera Bradley, Inc. had return on equity of -30.8% and a net margin of -17.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Vera Bradley, Inc.: financial ratios, annual
Fiscal year	2010Jan 2010	2011Jan 2011	2012Jan 2012	2013Feb 2013	2014Feb 2014	2015Jan 2015	2016Jan 2016	2017Jan 2017	2018Feb 2018	2019Feb 2019	2020Feb 2020	2021Jan 2021	2022Jan 2022	2023Jan 2023	2024Feb 2024	2025Feb 2025	2026Jan 2026	LTMAug 2026
Net margin	15.0%	12.6%	12.6%	12.9%	11.1%	7.6%	5.5%	4.1%	1.5%	5.0%	3.2%	1.9%	3.3%	−11.9%	2.0%	−19.5%	−17.7%	−3.7%
Return on equity	55.5%	65.0%	61.5%	43.3%	26.2%	14.3%	9.7%	6.9%	2.5%	7.2%	5.4%	2.8%	5.6%	−20.6%	3.1%	−28.3%	−30.8%	−7.6%
Return on assets	—	22.4%	27.2%	27.7%	19.2%	10.8%	7.3%	5.2%	1.9%	5.8%	3.6%	1.7%	3.5%	−13.0%	2.0%	−18.1%	−17.7%	−4.2%
Effective tax rate	2.0%	10.6%	39.0%	35.9%	36.8%	35.9%	40.7%	29.5%	54.4%	26.5%	25.9%	9.9%	24.1%	—	30.0%	—	—	—
SG&A as % of revenue	40.2%	44.5%	36.8%	36.8%	37.9%	41.0%	47.1%	51.3%	52.7%	50.9%	51.2%	53.9%	48.5%	53.0%	50.4%	59.1%	58.6%	54.6%

US$ thousands unless shown otherwise. Fiscal quarters.

Vera Bradley, Inc.: financial ratios, quarterly
Quarter	2025 Q3Nov 2024	2025 Q4Feb 2025	2026 Q1May 2025	2026 Q2Aug 2025	2026 Q3Nov 2025	2026 Q4Jan 2026	2027 Q1May 2026	2027 Q2Aug 2026
Net margin	−18.2%	−54.4%	−64.8%	−6.6%	−19.9%	3.1%	−8.7%	6.3%
SG&A as % of revenue	66.3%	60.5%	79.0%	57.1%	62.1%	45.0%	61.3%	54.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

2 of 2 checks passed · August 1, 2026

What it owns · $239m

Short-term assets $126mLonger-term assets $113m

What it owes, and who funded it · $239m

Short-term liabilities $52mLonger-term liabilities $55mShareholders' equity $132m

Short-term assets cover short-term liabilities $126m of assets due within a year against $52m of liabilities due within a year.
Short-term assets cover long-term liabilities $126m short-term assets against $55m of longer-dated liabilities.
More cash than debt Cash or debt not separately reported. Not assessable.
Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From Vera Bradley, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

46 /100

Moderate moat

How hard Vera Bradley's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

Returns on capital 3 / 20

Cash operating profit has been a median 4.2% of total assets over 10 years.
Pricing power 17 / 20

Gross margin has been a median 53.1%, moving by 3.0 percentage points (standard deviation) across 10 years.
Durability 0 / 20

Operating margin has been a median 0.3%; its worst year was -15.4%.
Cash conversion 10 / 20

Free cash flow was positive in 8 of 10 years, at a median 4.5% of revenue.
Discipline 20 / 20

The diluted share count fell 16.6% over five years; stock-based pay has been a median 0.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (51 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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Figures from Vera Bradley, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Vera Bradley, Inc.