Vanquis Banking Group plc (LON:VANQ)

London · Delayed Price · Currency is GBP · Price in GBX

73.00

-0.20 (-0.27%)

Sep 25, 2026, 4:35 PM GMT

Vanquis Banking Group Financials Overview

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	268.2	276.3	263	325	417.4	431.2
Revenue Growth	-2.93%	5.06%	-19.08%	-22.14%	-3.20%	77.52%
Operating Income	11	8.3	-138	7.2	119.1	160.3
Net Income	7	8.2	-119.3	-11.7	77.4	-32.1
Earnings Per Share	0.03	0.03	-0.47	-0.05	0.30	-0.13
EPS Growth	-14.95%	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Corporate Centre	-6.1	-4.2	-5	-20.1	-9.8	-
Second Charge Mortgages	15.7	10.9	1.2	0.2	-	-
Credit Cards	207.3	212.9	223.6	237.7	346.1	389.1
Vehicle Finance	48.4	54.2	41.3	103.2	77.7	137.9
Total	265.3	273.8	261.1	323.3	417.4	534.2

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	865	810.8	1,006	750	486.9	726.3
Total Debt	3,842	3,395	2,873	2,576	1,981	1,923
Net Cash (Debt)	-2,977	-2,584	-1,866	-1,826	-1,494	-1,196
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-11.15	-9.70	-7.30	-7.22	-5.89	-4.75

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	174	93	452.7	584.7	-204.9	163.1
Capital Expenditures	-2.5	-3.3	-2.2	-3.3	-3.6	-1.3
Free Cash Flow	171.5	89.7	450.5	581.4	-208.5	161.8
Free Cash Flow Growth	91.19%	-80.09%	-22.52%	-	-	-54.80%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	4.10%	3.00%	-52.47%	2.21%	28.53%	37.18%
Pretax Margin	4.10%	3.00%	-52.47%	-3.69%	26.38%	32.98%
Profit Margin	2.61%	2.97%	-45.36%	-3.60%	18.54%	-7.44%
FCF Margin	63.94%	32.46%	171.29%	178.89%	-49.95%	37.52%

Dividends

Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.060	0.153	0.120
Dividend Per Share Growth	-60.78%	27.50%	-
Dividend Yield	4.74%	8.92%	4.00%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	28.02	36.51	-	-	6.20	-
Forward PE	15.37	9.43	18.16	7.65	5.17	10.16
P/FCF Ratio	1.07	3.34	0.25	0.56	-	5.57
PS Ratio	0.68	1.08	0.43	1.01	1.15	2.09