Vanquis Banking Group plc (LON:VANQ)
London · Delayed Price · Currency is GBP · Price in GBX 119.80
+0.60 (0.50%)
Jul 24, 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.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 Revenue Growth | 455.5 | 454.9 | 446.4 | 488.8 | 480.7 | 478.7 |
Revenue Growth | 7.84% | 1.90% | -8.67% | 1.69% | 0.42% | - |
Gross Profit Gross Profit Growth | 274.4 | 273.8 | 261.1 | 322.7 | 414.6 | 428.3 |
Operating Income Operating Income Growth | 8.9 | 8.3 | -138 | -4.4 | 110.1 | 142.2 |
Net Income Net Income Growth | 8.7 | 8.7 | -119.3 | -6 | 77.4 | -32.1 |
Earnings Per Share EPS Growth | 0.03 | 0.03 | -0.47 | -0.05 | 0.30 | -0.13 |
EPS Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 |
Credit Cards Credit Cards Growth | 212.9 | 212.9 | 223.6 | 237.7 | 346.1 | 389.1 |
Vehicle Finance Vehicle Finance Growth | 54.2 | 54.2 | 41.3 | 103.2 | 77.7 | 137.9 |
Corporate Centre Corporate Centre Growth | -4.2 | -4.2 | -5 | -20.1 | -9.8 | - |
Second Charge Mortgages Second Charge Mortgages Growth | 10.9 | 10.9 | 1.2 | 0.2 | - | - |
Total Total Growth | 273.8 | 273.8 | 261.1 | 323.3 | 417.4 | 534.2 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 Cash & Investments Growth | 1,062 | 1,062 | 1,006 | 748.7 | 475.6 | 726.8 |
Total Debt Total Debt Growth | 3,389 | 3,389 | 2,871 | 2,574 | 1,965 | 1,923 |
Net Cash (Debt) Net Cash Growth | -2,327 | -2,327 | -1,865 | -1,825 | -1,490 | -1,196 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -8.74 | -8.74 | -7.30 | -7.21 | -5.87 | -4.77 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 Operating Cash Flow Growth | 93 | 93 | 452.7 | -230.5 | -204.9 | 163.1 |
Capital Expenditures CapEx Growth | -3.3 | -3.3 | -2.2 | -3.3 | -3.6 | -1.3 |
Free Cash Flow Free Cash Flow Growth | 89.7 | 89.7 | 450.5 | -233.8 | -208.5 | 161.8 |
Free Cash Flow Growth | -59.97% | -80.09% | - | - | - | -54.80% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 |
Gross Margin | 60.24% | 60.19% | 58.49% | 66.02% | 86.25% | 89.47% |
Operating Margin | 1.95% | 1.82% | -30.91% | -0.90% | 22.90% | 29.71% |
Pretax Margin | 1.36% | 1.82% | -30.91% | -0.90% | 22.90% | 29.71% |
Profit Margin | 1.30% | 1.76% | -27.02% | -1.23% | 17.12% | 28.12% |
FCF Margin | 19.69% | 19.72% | 100.92% | -47.83% | -43.37% | 33.80% |
| Fiscal Year | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|
| Period Ending | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | - | 0.060 | 0.153 | 0.120 |
Dividend Per Share Growth | - | -60.78% | 27.50% | - |
Dividend Yield | 2.20% | 11.75% | 8.92% | 0.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 27, 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 | 42.79 | 38.58 | - | - | 6.27 | - |
Forward PE | 8.10 | 9.43 | 18.16 | 7.65 | 5.17 | 10.16 |
P/FCF Ratio | 3.34 | 3.33 | 0.25 | - | - | 5.57 |
PS Ratio | 1.09 | 0.66 | 0.25 | 0.67 | 1.00 | 1.88 |