Vanquis Banking Group Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 5, 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
Market Capitalization	287	306	113	328	480	901
Market Cap Growth	98.60%	169.67%	-65.41%	-31.74%	-46.74%	17.04%
PE Ratio	39.62	37.26	-	-	6.20	-
PS Ratio	1.04	1.11	0.42	1.01	1.15	2.09
PB Ratio	0.59	0.63	0.26	0.58	0.78	1.43
P/FCF Ratio	3.20	3.41	0.26	0.56	-	5.57
P/OCF Ratio	3.09	3.29	0.26	0.56	-	5.52
Debt / Equity Ratio	6.97	6.97	6.51	4.53	3.22	3.05
Debt / FCF Ratio	37.85	37.85	6.56	4.43	-	11.88
Net Debt / Equity Ratio	5.30	5.30	4.23	3.21	2.43	1.90
Net Debt / FCF Ratio	28.81	28.81	4.26	3.14	-7.16	7.39
Quick Ratio	60.62	60.62	2.10	1.93	2.29	4.69
Current Ratio	60.62	60.62	2.12	1.95	2.31	4.73
Asset Turnover	0.08	0.08	0.08	0.11	0.16	0.15
Return on Equity (ROE)	1.72%	1.72%	-23.62%	-1.98%	13.21%	21.05%
Return on Assets (ROA)	0.22%	0.22%	-3.63%	-0.40%	3.06%	4.64%
Return on Invested Capital (ROIC)	0.21%	0.22%	-3.58%	0.25%	3.46%	5.54%
Earnings Yield	2.86%	2.68%	-105.29%	-3.57%	16.13%	-3.56%
FCF Yield	31.24%	29.36%	386.57%	177.49%	-43.45%	17.96%
Dividend Yield	-	-	-	4.74%	8.92%	4.00%
Payout Ratio	6.10%	6.10%	-	-	55.30%	-
Buyback Yield / Dilution	-4.27%	-4.27%	-0.99%	0.28%	-0.68%	0.63%
Total Shareholder Return	-4.27%	-4.27%	-0.99%	5.02%	8.24%	4.63%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.