Vanquis Banking Group plc (LON:VANQ)

Vanquis Banking Group Statistics

Total Valuation

LON:VANQ has a market cap or net worth of GBP 286.64 million.

Market Cap	286.64M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, February 26, 2026.

Earnings Date	Feb 26, 2026
Ex-Dividend Date	n/a

Share Statistics

LON:VANQ has 255.47 million shares outstanding. The number of shares has increased by 4.27% in one year.

Current Share Class	255.47M
Shares Outstanding	255.47M
Shares Change (YoY)	+4.27%
Shares Change (QoQ)	+3.20%
Owned by Insiders (%)	4.58%
Owned by Institutions (%)	71.64%
Float	200.04M

Valuation Ratios

The trailing PE ratio is 39.55 and the forward PE ratio is 7.43.

PE Ratio	39.55
Forward PE	7.43
PS Ratio	1.04
PB Ratio	0.59
P/TBV Ratio	0.68
P/FCF Ratio	3.20
P/OCF Ratio	3.08
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 60.62, with a Debt / Equity ratio of 6.97.

Current Ratio	60.62
Quick Ratio	60.62
Debt / Equity	6.97
Debt / EBITDA	n/a
Debt / FCF	37.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.72% and return on invested capital (ROIC) is 0.21%.

Return on Equity (ROE)	1.72%
Return on Assets (ROA)	0.22%
Return on Invested Capital (ROIC)	0.21%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	0.92%
Revenue Per Employee	217,730
Profits Per Employee	6,462
Employee Count	1,269
Asset Turnover	0.08
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:VANQ has paid 300,000 in taxes.

Income Tax	300,000
Effective Tax Rate	3.61%

Stock Price Statistics

The stock price has increased by +121.75% in the last 52 weeks. The beta is 1.39, so LON:VANQ's price volatility has been higher than the market average.

Beta (5Y)	1.39
52-Week Price Change	+121.75%
50-Day Moving Average	119.50
200-Day Moving Average	110.68
Relative Strength Index (RSI)	38.20
Average Volume (20 Days)	902,088

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, LON:VANQ had revenue of GBP 276.30 million and earned 8.20 million in profits. Earnings per share was 0.03.

Revenue	276.30M
Gross Profit	8.30M
Operating Income	8.30M
Pretax Income	8.30M
Net Income	8.20M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.03

Balance Sheet

The company has 810.80 million in cash and 3.39 billion in debt, with a net cash position of -2.58 billion or -10.11 per share.

Cash & Cash Equivalents	810.80M
Total Debt	3.39B
Net Cash	-2.58B
Net Cash Per Share	-10.11
Equity (Book Value)	487.30M
Book Value Per Share	1.92
Working Capital	3.51B

Cash Flow

In the last 12 months, operating cash flow was 93.00 million and capital expenditures -3.30 million, giving a free cash flow of 89.70 million.

Operating Cash Flow	93.00M
Capital Expenditures	-3.30M
Free Cash Flow	89.70M
FCF Per Share	0.35

Margins

Gross margin is 3.00%, with operating and profit margins of 3.00% and 2.97%.

Gross Margin	3.00%
Operating Margin	3.00%
Pretax Margin	3.00%
Profit Margin	2.97%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.46%

Dividends & Yields

LON:VANQ does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	6.10%
Buyback Yield	-4.27%
Shareholder Yield	-4.27%
Earnings Yield	2.86%
FCF Yield	31.29%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 16, 2007. It was a reverse split with a ratio of 0.5.

Last Split Date	Jul 16, 2007
Split Type	Reverse
Split Ratio	0.5

Scores

Altman Z-Score	n/a
Piotroski F-Score	5