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Home CompaniesVanquis Banking Group PLC

Vanquis Banking Group PLC

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
70.1 GBX 0.50 ( 0.72%)
Last update at 2026-10-27T16:35:00Z
VOLUME
552809
Market Cap
306.41M
P/E
40.80

Momentum Score

…

Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards products, and unsecured personal loans products, as well as provides vehicle finance for cars, motorbikes, van, and light commercial vehicles. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. Vanquis Banking Group plc was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. The company was founded in 1880 and is headquartered in Bradford, the United Kingdom.

Source: TradingView
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Day Price Range
69.00
Low
71.30
High
52 Week Price Range
55.30
Low
132.00
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
69.60
Dividend Yield
-
Revenue TTM
276.30M
Revenue Per Share
1.09
Gross Profit TTM
8.30M
Debt / Equity
6.95
ROE
1.72%
Net Debt
2605.30M
ROCE
7.55%
Diluted EPS TTM
0.03

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 8.30M -136.30M -4.40M 110.10M 142.20M
Minority interest -0.50M 0.00M - - -
Net income 8.70M -119.30M -6.00M 77.40M -32.10M
Gross profit 320.80M 222.20M 325.00M 480.70M 481.60M
Reconciled depreciation 16.90M 24.40M 27.60M - -
Ebit 157.10M 54.70M 131.80M 105.20M -24.50M
Ebitda 174.00M - 159.40M 133.30M 9.00M
Depreciation and amortization 16.90M 24.40M 27.60M 28.10M 33.50M
Operating income 157.10M 34.40M 324.20M 105.20M -24.50M
Other operating expenses 448.60M 740.20M 614.20M 304.50M 289.00M
Interest expense 148.80M 145.40M 113.40M 58.80M 53.00M
Tax provision 0.30M -17.00M -0.30M - -
Interest income 567.20M 565.40M 556.00M - -
Net interest income 418.40M 420.00M 442.60M - -
Income tax expense 0.30M -17.00M 1.60M 27.80M 7.60M
Total revenue 605.70M 458.50M 599.20M 480.70M 481.60M
Total operating expenses 163.70M 594.80M 0.80M 304.50M 289.00M
Cost of revenue 284.90M 236.30M 313.80M - -
Total other income expense net -148.80M -170.70M -136.20M 4.90M 166.70M
Net income from continuing ops 8.00M -119.30M -11.70M - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3941.70M 3375.30M 3208.70M 2655.80M 2725.30M
Intangible assets 65.00M 61.50M 74.40M 63.30M 52.30M
Other current assets 2752.70M 2129.20M -25.30M - -
Total liab 3454.40M 2934.10M 2625.60M 2048.60M 2094.10M
Total stockholder equity 487.30M 441.20M 583.10M 607.20M 631.20M
Other current liab -2413.70M -1858.60M -1127.60M -62.80M -95.60M
Common stock 53.20M 53.20M 53.20M 52.60M 52.60M
Capital stock 53.20M 53.20M 53.20M - -
Retained earnings 90.00M -177.30M -35.90M -9.50M 17.30M
Good will 1.20M 1.20M 72.40M 71.20M 71.20M
Other assets - 3375.30M -3.50M 1951.00M 1796.80M
Cash 804.50M 1003.90M 743.30M 464.90M 717.70M
Total current liabilities - - 1127.60M 62.80M 95.60M
Current deferred revenue - - 1120.10M - -
Net debt 2605.30M -1003.90M 1830.60M 399.80M 186.40M
Short term debt 2396.40M 1852.50M 1127.60M - -
Short long term debt total 3388.60M 2870.70M 2573.90M 864.70M 904.10M
Other stockholder equity 276.30M 565.30M 553.70M 564.10M 561.30M
Total current assets 3815.10M 3170.80M 743.30M 515.50M 736.50M
Long term investments 261.10M 1.40M 3.50M - -
Short term investments 257.00M 2.30M 5.40M - -
Net receivables 0.90M 35.40M 19.90M 50.60M 18.80M
Accounts payable 17.30M 6.10M 7.50M 62.80M 95.60M
Accumulated other comprehensive income 67.80M 10.80M 12.10M - -
Non currrent assets other 6.40M 91.90M 2287.30M -189.30M -192.00M
Non current assets total 126.60M 204.50M 2468.90M 189.30M 192.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -251.80M 4.30M 6.40M - -
Total cashflows from investing activities -270.30M 2.10M -18.80M - -
Net borrowings -63.70M -169.00M -238.50M - -
Total cash from financing activities -21.90M -181.30M 527.20M -12.50M -345.00M
Net income 8.00M -119.30M -6.00M 77.40M -32.10M
Change in cash -199.40M 261.00M 277.90M -250.20M -204.20M
Begin period cash flow 1003.90M 741.80M 463.90M 714.10M 918.30M
End period cash flow 804.50M 1002.80M 741.80M 463.90M 714.10M
Total cash from operating activities 93.00M 440.20M -230.50M -204.90M 163.10M
Issuance of capital stock - -0.10M 0.10M - -
Depreciation 16.80M 24.40M 27.60M 28.10M 33.50M
Other cashflows from investing activities - - -16.10M - -
Dividends paid 0.50M 2.50M 38.40M 42.80M -
Change to inventory - - 267.60M - -
Change to account receivables -526.00M -12.50M -267.60M - -
Sale purchase of stock -6.30M -0.10M 0.00M -0.70M -
Other cashflows from financing activities -10.00M -9.70M -11.20M 949.40M 736.40M
Capital expenditures 3.30M 2.20M 3.30M 32.80M 26.10M
Change in working capital 71.20M 413.90M -289.60M -280.30M 115.10M
Stock based compensation 2.20M 2.70M 4.60M 5.10M 3.80M
Other non cash items -3.00M 118.50M 32.90M -35.20M 42.80M
Free cash flow 89.70M 438.00M 581.40M -237.70M 137.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
VANQ
Vanquis Banking Group PLC		 0.50
0.72%		 70.10 40.80 81.30 1.06 0.61 1.46 -24.45
CBKD
Commercial International Bank -Egypt S.A.E		 -0.04
1.78%		 2.21 0.05 3.98 3.27 1.65 3.51 -
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.50
1.51%		 32.50 0.01 4.03 2.33 1.17 2.88 -
LLOY
Lloyds Banking Group PLC		 -0.35
0.34%		 102.15 14.37 10.15 3.16 1.20 4.02 -
NWG
NatWest Group PLC		 -9.60
1.49%		 634.40 9.00 8.31 3.01 1.08 2.25 -

Profile*

Vanquis Banking Group PLC

Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards products, and unsecured personal loans products, as well as provides vehicle finance for cars, motorbikes, van, and light commercial vehicles. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. Vanquis Banking Group plc was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. The company was founded in 1880 and is headquartered in Bradford, the United Kingdom.

No. 1 Godwin Street, Bradford, United Kingdom, BD1 2SU

44 1274 351351

https://www.vanquisbankinggroup.com

1269

Name Title Year Born
Mr. Ian Michael Brian McLaughlin CEO & Executive Director 1966
Mr. David Michael Watts CFO & Executive Director 1966
Mr. Ian Fielder Chief Operating Officer NA
Mr. Jem Walters Chief Technology Officer NA
Ms. Miriam McKay Interim Head of Investor Relations NA
Mr. Michael William Mustard A.C.A., L.L.B. General Counsel & Company Secretary NA
Ms. Cheryl Ball Chief Human Resources Officer NA
Ms. Jillian Anderson Chief Customer Officer NA
Mr. John Natalizia Chief Digital, Data & Analytics Officer NA
Ms. Abigail Whittaker Chief of Staff NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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