Vanquis Banking Group Balance Sheet

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 & Equivalents	804.5	1,004	743.3	464.9	717.7
Short-Term Investments	257	2.3	5.4	10.7	9.1
Cash & Short-Term Investments	1,062	1,006	748.7	475.6	726.8
Cash Growth	5.50%	34.39%	57.42%	-34.56%	-20.97%
Accounts Receivable	2,692	2,154	2,156	1,905	1,678
Other Receivables	61.2	72.5	55.9	50.6	18.8
Total Trade Receivables	2,753	2,226	2,212	1,956	1,697
Other Current Assets	4.8	3.9	9.6	11.3	3.1
Total Current Assets	3,819	3,236	2,970	2,443	2,426
Net Property, Plant & Equipment	20.1	23.5	31.3	40.7	56.3
Other Intangible Assets	65	61.5	74.4	63.3	52.3
Goodwill	1.2	1.2	72.4	71.2	71.2
Other Long-Term Assets	36.4	52.8	46.6	45.2	119.1
Total Assets	3,942	3,375	3,195	2,663	2,725
Accounts Payable	51.8	46.1	44.1	62.8	95.6
Short-Term Debt	3,020	2,428	1,951	1,101	1,019
Current Portion of Long-Term Debt	347.5	410	582.5	815.4	845.2
Current Portion of Leases	21.2	32.5	40.9	49.3	58.9
Other Current Liabilities	14	17.3	7.6	20.5	75.9
Total Current Liabilities	3,454	2,934	2,626	2,049	2,094
Total Liabilities	3,454	2,934	2,626	2,049	2,094
Preferred Stock	58.6	-	-	-	-
Common Stock	53.2	53.2	53.2	52.6	52.6
Additional Paid-in Capital	276.3	276.3	276.3	273.5	273.3
Accumulated Other Comprehensive Income	287.4	289	290.3	290.6	288
Retained Earnings	-188.2	-177.3	-50.7	-2	17.3
Shareholders' Equity	487.3	441.2	569.1	614.7	631.2
Total Liabilities & Equity	3,942	3,375	3,195	2,663	2,725
Total Debt	3,389	2,871	2,574	1,965	1,923
Net Cash (Debt)	-2,327	-1,865	-1,825	-1,490	-1,196
Net Cash Growth	-	-	-	-	-
Net Cash Per Share	-8.73	-7.30	-7.21	-5.87	-4.77
Book Value	487.3	441.2	569.1	614.7	631.2
Book Value Per Share	1.83	1.73	2.25	2.42	2.52
Tangible Book Value	421.1	378.5	422.3	480.2	507.7
Tangible Book Value Per Share	1.58	1.48	1.67	1.89	2.03