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	Jul '26 Jul 24, 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 Cap	300	299	114	329	479	901
Market Cap Growth	17.86%	163.27%	-65.46%	-31.42%	-46.81%	17.05%
Enterprise Value	-	2,685	1,978	2,154	1,969	2,097
Last Close Price	1.20	1.20	0.45	1.29	1.91	3.59
PE Ratio	42.79	38.58	-	-	6.27	-
Forward PE	8.10	9.43	18.16	7.65	5.17	10.16
PEG Ratio	0.07	1.43	1.43	1.43	1.43	1.43
PS Ratio	1.09	0.66	0.25	0.67	1.00	1.88
PB Ratio	0.62	0.61	0.26	0.58	0.78	1.43
P/TBV Ratio	0.76	0.76	0.30	0.77	1.01	1.77
P/FCF Ratio	3.34	3.33	0.25	-	-	5.57
P/OCF Ratio	3.22	3.21	0.25	-	-	5.52
EV/Sales Ratio	-	5.90	4.43	4.41	4.10	4.38
EV/EBITDA Ratio	-	106.53	-	92.84	14.25	11.93
EV/EBIT Ratio	-	323.44	-	-	17.88	14.75
EV/FCF Ratio	-	29.93	4.39	-	-	12.96
Debt / Equity Ratio	6.20	6.20	5.50	3.43	1.79	1.61
Debt / EBITDA Ratio	131.34	134.47	-	110.94	14.22	10.94
Debt / FCF Ratio	37.78	37.78	6.37	-	-	11.88
Net Debt / Equity Ratio	4.78	4.78	4.23	3.21	2.42	1.89
Net Debt / EBITDA Ratio	90.20	92.35	-16.41	78.67	10.78	6.81
Net Debt / FCF Ratio	25.94	25.94	4.14	-7.81	-7.14	7.39
Asset Turnover	0.12	0.12	0.14	0.17	0.18	0.16
Quick Ratio	1.10	1.10	1.10	1.13	1.19	1.16
Current Ratio	1.11	1.11	1.10	1.13	1.19	1.16
Return on Equity (ROE)	1.27%	1.72%	-23.87%	-1.01%	13.21%	21.05%
Return on Assets (ROA)	0.23%	0.22%	-3.67%	-0.20%	3.05%	4.64%
Return on Invested Capital (ROIC)	0.30%	0.31%	-5.13%	-0.27%	4.19%	7.03%
Return on Capital Employed (ROCE)	1.92%	1.79%	-27.32%	-0.74%	17.67%	22.24%
Earnings Yield	2.73%	2.59%	-	-	15.95%	-
FCF Yield	29.91%	30.01%	396.86%	-	-	17.96%
Dividend Yield	-	0.00%	2.20%	11.75%	8.92%	0.00%
Payout Ratio	6.10%	0.00%	-2.10%	-640.00%	55.30%	0.00%
Buyback Yield / Dilution	-4.27%	-4.27%	-0.99%	0.28%	-1.20%	1.14%
Total Shareholder Return	-4.27%	-4.27%	1.21%	12.02%	7.73%	1.14%