1. United Kingdom Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Vanquis Banking Group PLC

Vanquis Banking Group PLC

0.85
EUR
+0.00
(-0.59%)
342.58MMarket Cap
Apr 01Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.43
5.26
5.26
5.57
5.53
4.17
3.65
2.19
1.91
1.92
1.93
1.75
1.79
- -
Basic EPS, GAAP
0.76
0.93
1.11
1.33
-0.66
0.27
0.3
-0.33
-0.13
0.31
-0.05
-0.47
0.03
- -
Free Cash Flow per Basic Share
0.35
0.45
0.28
-0.06
-0.44
-0.22
0.34
1.35
0.55
-0.95
2.22
1.71
0.29
- -
Dividend per Share
0.59
0.65
0.76
0.91
0.66
- -
0.19
- -
- -
0.17
0.15
0.01
- -
- -
Book Value per Share
2.18
3.06
3.52
3.91
2.64
2.78
2.88
2.55
2.49
2.42
2.22
1.72
1.95
1.95
Tangible Book Value per Share
2.14
2.29
2.74
3.17
1.9
2.28
2.42
2.09
2
1.89
1.65
1.48
1.68
1.68
Basic Weighted Avg Shares
185
190
196
198
202
240
253
254
251
251
253
256
254
293
Sales/Revenue/Turnover
1,004
998
1,033
1,102
1,119
1,000
924
556
479
481
489
446
455
- -
Operating Margin (%)
25.56
30.26
34.23
38.64
38.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
14
23
29
29
28
41
31
34
28
28
24
17
- -
Net Income, GAAP
141
176
218
263
-134
65
76
-83
-32
77
-12
-119
8
- -
Effective Tax Rate (%)
22.7
21.82
20.25
23.55
- -
32.89
35.8
- -
5.34
25.25
- -
- -
3.61
- -
Profit Margin (%)
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
- -
Working Capital
1,444
1,594
1,600
1,776
1,731
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,285
1,493
1,596
914
892
713
697
589
904
865
623
443
369
369
Total Equity
417
613
708
790
535
703
729
648
631
615
569
441
487
487
Return on Invested Capital (%)
8.41
9.04
9.7
15.78
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.1
12.41
12.79
16.24
- -
4.59
5.38
- -
-2.32
5.13
- -
- -
0.89
- -
Return on Common Equity (%)
35.6
34.1
33.04
35.1
-20.28
10.55
10.67
-12.11
-5.02
12.42
-1.98
-23.62
1.77
- -

Capital Structure

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
256
256
250
Market Capitalization
116
265
299

Working Capital

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,004
805
805
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

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
- -
- -
- -

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
489
2024
- -
- -
446
2025
- -
- -
455

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
-0.05
2024
- -
- -
-0.47
2025
- -
- -
0.03

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.15
2024
- -
- -
0.01
2025
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ian Michael Brian McLaughlin
Full Time Employees
1,294
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Fairburn House Bradford WY United Kingdom BD1 2SU
IPO Date
Mar 16, 1962
Website
vanquisbankinggroup.com
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Business
Vanquis Banking Group plc (VANQ.L) is a UK-based specialist bank focused on serving financially underserved customers in the mid-cost credit market through digital credit products, vehicle finance, and savings solutions funded primarily by retail deposits. The group operates under three main brands: Vanquis, which provides credit cards tailored to varying credit profiles with different APRs and limits, unsecured personal loans, second charge mortgages, fixed-rate and notice savings accounts, cash ISAs, triple access savers, and easy access savings; Moneybarn, which offers secured vehicle finance for new and used cars, motorbikes, and light commercial vehicles; and Snoop, which delivers a free money management app with personalized spending insights, bill-cutting tools, free credit scoring via Equifax partnership, and integrated easy access savings. Headquartered in Bradford, England, with additional operations in Chatham and London, the company traces its origins to 1880 when it was founded as a voucher-based lending system and now serves over 1.7 million UK customers. Recent developments include robust growth in second charge mortgages from near-zero to over GBP400 million in lending balances since May 2024 through four partnerships, 6% credit card growth in Q2 2025, a capital optimisation initiative in October 2025 featuring Tier 2 tender offers and new issuance to support lending expansion beyond GBP2.6 billion, integration of Snoop capabilities into the Vanquis app, launch of a benefits checker tool and Q3/Q1 2025 Financial Wellbeing Indices in 2025, and full-year 2024 results alongside Moneybarn subsidiary reports in March-May 2025.