1. United Kingdom Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Vanquis Banking Group plc

Vanquis Banking Group plc

FPLPF
Vanquis Banking Group plcUS flagOther OTC
1.56
USD
- -
- -
398.24MMarket Cap
Vanquis Banking Group plc
FPLPF
(Other OTC)

Recent

price

1.56

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
4.79
4.6
4.94
5.43
5.26
5.26
5.57
5.53
4.17
3.65
2.19
1.91
1.92
1.93
1.75
- -
Revenue per Share
0.56
0.66
0.8
0.76
0.93
1.11
1.33
-0.66
0.27
0.3
-0.33
-0.13
0.31
-0.05
-0.47
- -
Basic EPS, GAAP
0.08
0.1
-0.21
0.35
0.45
0.28
-0.06
-0.44
-0.22
0.34
1.35
0.55
-0.95
2.22
1.71
- -
Free Cash Flow per Basic Share
0.47
0.48
0.52
0.59
0.65
0.76
0.91
0.66
- -
0.19
- -
- -
0.17
0.15
0.01
- -
Dividend per Share
0.91
0.93
1.17
1.35
1.72
2.04
2.5
1.23
0.58
0.63
0.32
0.28
0.2
0.01
-0.49
- -
Book Value per Share
1.6
1.7
2
2.21
2.41
2.81
3.24
1.9
2.41
2.42
2.09
2.03
1.91
1.67
1.48
- -
Tangible Book Value per Share
181
183
183
185
190
196
198
202
240
253
254
251
251
253
256
- -
Basic Weighted Avg Shares
866
841
905
1,004
998
1,033
1,102
1,119
1,000
924
556
479
481
489
446
455
Sales/Revenue/Turnover
16.69
19.29
29.98
25.56
30.26
34.23
38.64
38.43
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
14
15
14
11
14
23
29
28
28
41
31
34
28
28
24
17
Depreciation Expense
102
120
146
141
176
218
263
-134
65
76
-83
-32
77
-12
-119
8
Net Income, GAAP
28.52
26.1
24.74
22.7
21.82
20.25
23.55
- -
32.89
35.8
- -
5.34
25.25
- -
- -
3.61
Effective Tax Rate (%)
11.72
14.24
16.13
14.05
17.59
21.12
23.87
-12.01
6.53
8.27
-15.01
-6.71
16.1
-2.39
-26.72
1.8
Profit Margin (%)
926
1,172
1,248
1,444
1,594
1,600
1,776
1,731
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
817
1,050
1,201
1,285
1,493
1,596
914
892
713
697
589
904
865
623
442
369
LT Debt
309
326
375
417
613
708
790
535
703
729
648
631
615
569
441
487
Total Equity
8.21
8.61
13.26
11.83
12.16
12.53
15.78
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
14.17
14.37
15.05
13.45
14.09
14.78
19.11
- -
6.56
8.95
- -
-3.9
8.19
- -
- -
2.79
Return on Capital (%)
66.89
71.46
75.86
60.89
61.11
60.02
58.78
-36.24
33.77
51.24
-68.95
-42.35
128.46
-44.07
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-2.13%
-4.92%
10.45%
Free Cash Flow
-24.18%
-155.02%
-82.99%
Net Income, GAAP
-17.63%
59.01%
-106.87%
Sales/Revenue/Turnover
-6.84%
-3.7%
1.9%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
489
2024
- -
- -
- -
- -
446
2025
- -
- -
- -
- -
455

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
-0.05
2024
- -
- -
- -
- -
-0.47
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.15
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
- -
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Business
Vanquis Banking Group plc operates as a United Kingdom-based specialist bank focused on providing differentiated credit, savings, and money management solutions to underserved customers with sub-prime credit histories, primarily funded by retail deposits. The company offers core products and services through its key brands Vanquis, Moneybarn, and Snoop; Vanquis provides tailored credit cards with varying APRs and credit limits, unsecured personal loans, fixed-rate and notice savings accounts, and second charge mortgages; Moneybarn delivers secured vehicle finance for new and used cars, motorbikes, and light commercial vehicles; and Snoop supplies a data-driven platform utilizing artificial intelligence and open banking for personalized financial insights, money-saving opportunities targeting up to £1,500 annually per customer, and free credit scoring. Founded in 1880 and headquartered in Bradford, England, at Fairburn House, 5 Godwin Street, the company serves approximately 1.75 million UK customers with operations concentrated in the United Kingdom, including call centers in Bradford, Chatham, and London offices; it lists on the London Stock Exchange under the ticker VANQ, formerly known as Provident Financial plc until its rebranding in March 2023. Recent developments include the 2023 acquisition of financial technology firm Snoop to enhance money management offerings and integration into the Vanquis mobile app; expansion in second charge mortgages from near-zero balances in May 2024 to over £400 million through four partnerships; a capital optimization initiative in October 2025 featuring an £81 million issuance and Tier 2 tender offer to support lending growth above £2.6 billion; 6% credit card growth in Q2 2025; and proactive management of vehicle finance growth pending a new gateway strategic solution, alongside £40 million write-downs and capital ratio warnings announced in July 2024.

Company News

APIChat

  • seekingalpha.com

    Vanquis Banking Group plc (FPLPF) Q4 2025 Earnings Call Transcript

  • seekingalpha.com

    Vanquis Banking Group plc (FPLPF) Q4 2025 Earnings Call Transcript