Vanquis Banking Group Income Statement

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
Revenue	454.9	446.4	488.8	480.7	478.7
Revenue Growth (YoY)	1.90%	-8.67%	1.69%	0.42%	-
Cost of Revenue	181.1	185.3	166.1	66.1	50.4
Gross Profit	273.8	261.1	322.7	414.6	428.3
Selling, General & Admin	265.5	399.1	327.1	304.5	286.1
Total Operating Expenses	265.5	399.1	327.1	304.5	286.1
Operating Income	8.3	-138	-4.4	110.1	142.2
Pretax Income	8.3	-138	-4.4	110.1	142.2
Provision for Income Taxes	0.3	-17.4	1.6	27.8	7.6
Net Income	8	-120.6	-6	82.3	134.6
Earnings From Discontinued Operations	0.7	1.3	-	0	-166.7
Net Income to Common	8.7	-119.3	-6	77.4	-32.1
Net Income Growth	-	-	-	-	-
Shares Outstanding (Basic)	254	256	253	251	251
Shares Outstanding (Diluted)	266	256	253	254	251
Shares Change (YoY)	4.27%	0.99%	-0.28%	1.20%	-1.14%
EPS (Basic)	0.03	-0.47	-0.05	0.31	-0.13
EPS (Diluted)	0.03	-0.47	-0.05	0.30	-0.13
EPS Growth	-	-	-	-	-
Free Cash Flow	89.7	450.5	-233.8	-208.5	161.8
Free Cash Flow Growth	-80.09%	-	-	-	-54.80%
Free Cash Flow Per Share	0.34	1.76	-0.92	-0.82	0.65
Dividends Per Share	-	-	0.060	0.153	0.120
Dividend Growth	-	-	-60.78%	27.50%	-
Gross Margin	60.19%	58.49%	66.02%	86.25%	89.47%
Operating Margin	1.82%	-30.91%	-0.90%	22.90%	29.71%
Profit Margin	1.76%	-27.02%	-1.23%	17.12%	28.12%
FCF Margin	19.72%	100.92%	-47.83%	-43.37%	33.80%
EBITDA	25.2	-113.6	23.2	138.2	175.7
EBITDA Margin	5.54%	-25.45%	4.75%	28.75%	36.70%
EBIT	8.3	-138	-4.4	110.1	142.2
EBIT Margin	1.82%	-30.91%	-0.90%	22.90%	29.71%
Effective Tax Rate	3.61%	12.61%	-36.36%	25.25%	5.34%