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Vanquis Banking Group(LSE) VANQ

Market Cap£206.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+100%
5 Year-73%
1 Year-29%
1 Month-29%
£0.81
+0.35%
+0.00Today
Vanquis Banking Group last closing stock price
MetricPriceDate
Last closeGBX 81.202026-08-07
Vanquis Banking Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.24%GBX 77.902026-07-31
1 month-29.39%GBX 115.002026-07-08
3 month-28.9%GBX 114.202026-05-08
Year to date-32.11%GBX 119.602025-12-31
1 year-29.39%GBX 115.002025-08-07
3 year-30.6%GBX 117.002023-08-08
5 year-73.39%GBX 305.202021-08-06
Since inception+99.7%GBX 0.411993-05-10

Vanquis Banking Group Financials at a Glance

Market Cap

£206.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£1.08B

Net Income (TTM)

-£67.10M

EPS (TTM)

£0.04

P/E Ratio

18.79

Dividend

£0.00

Beta (Volatility)

-0.21 (Low)

Price

£0.81

Volume

106,851

Open

£0.84

Previous Close

£0.81

Daily Range

£0.81 - £0.84

52-Week Range

£0.77 - £1.32

Estimated Earnings Date

Apr 1, 2027

VANQ News

3 More FTSE Dividends Lifted This Week

Alan OscroftFeb 28, 2013

3 Shares the FTSE 100 Should Beat Today

Alan OscroftFeb 26, 2013

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About Vanquis Banking Group

Vanquis Banking Group plc, headquartered in Bradford, UK, specializes in personal credit solutions for the non-prime lending sector across the United Kingdom and the Republic of Ireland. The company offers a diverse range of financial products, including credit cards, unsecured personal loans, and vehicle financing.

Products and Services
  • Credit cards tailored for non-prime customers
  • Unsecured personal loans with flexible repayment options
  • Vehicle financing for automobiles and motorcycles
Growth Outlook
  • Revenue increased to £318.8 million in Q2 2026
  • Operating income rose to £88.3 million, reflecting strong operational efficiency
  • Net income of £7.7 million indicates positive profitability trends
Financial Highlights
  • Trailing twelve months (TTM) revenue of £1.2 billion demonstrates consistent growth
  • Operating profit margin at 27.7% showcases effective cost management
  • Return on equity (ROE) of 2.2% indicates potential for shareholder value creation
Vanquis Banking Group plc has a long-standing history, dating back to 1880, and has recently rebranded from Provident Financial plc. The company is well-positioned in the financial services sector, focusing on the underserved non-prime market, which presents significant growth opportunities. The recent quarterly results highlight a robust revenue stream and improving profitability metrics, suggesting a positive trajectory for future performance. With a market capitalization of approximately £198.7 million, the company continues to attract interest from investors looking for opportunities in the credit services industry.
AI Generated • Aug 3, 2026

Industry

Consumer Finance

Sector

Financials

Employees

1,294

CEO

Ian Michael Brian McLaughlin

Website

www.vanquisbankinggroup.com

Headquarters

Bradford, WY BD1 2SU, GB

VANQ Financials

Key Financial Metrics (TTM)

Gross Margin

56.76%

Operating Margin

26.32%

Net Income Margin

1.71%

Return on Equity

2.20%

Return on Capital

4.05%

Return on Assets

0.25%

Earnings Yield

5.32%

Dividend Yield

0.00%

Payout Ratio

4.63%

Stock Overview

Market Cap

£206.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

255.09M

Volume

106.85K

Avg. Volume

911.55K

Financials (TTM)

Gross Profit

£594.70M

Operating Income

£313.00M

EBITDA

£268.70M

Operating Cash Flow

£345.60M

Capital Expenditure

-£1.10M

Free Cash Flow

£344.50M

Cash & ST Invst.

£1.26B

Total Debt

£3.84B

Vanquis Banking Group Performance Analysis

Vanquis Banking Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31GBP 540,200,0001.0%
20232023-12-31GBP 599,200,00010.9%
20242024-12-31GBP 588,000,000-1.9%
20252025-12-31GBP 605,700,0003.0%
Vanquis Banking Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31108.0%
Q22025-06-30-48.9%
Q42025-12-31103.0%
Q22026-06-302.2%
Vanquis Banking Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31GBP 0.31N/A
20232023-12-31GBP -0.05N/A
20242024-12-31GBP -0.47910.6%
20252025-12-31GBP 0.03N/A
Vanquis Banking Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31-135.7%
Q22025-06-30106.5%
Q42025-12-31-47.2%
Q22026-06-30158.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

£318.80M

+120.8%

Gross Profit

£183.70M

+199.5%

Gross Margin

57.62%

N/A

Market Cap

£206.62MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£159.68K

N/A

Employees

1,294

N/A

Net Income

£7.70M

+121.5%

EBITDA

£95.30M

+132.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

£1.26B

+62.6%

Total Debt

£3.84B

+57.3%

Accounts Receivable

£2.99B

+43.1%

Inventory

£0.00

N/A

Long Term Debt

£3.84B

+57.3%

Short Term Debt

£0.00

N/A

Return on Assets

0.25%

N/A

Return on Invested Capital

3.78%

N/A

Free Cash Flow

-£24.00M

-115.1%

Operating Cash Flow

-£23.90M

-114.6%

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Questions About VANQ

What is the current price of Vanquis Banking Group?

Vanquis Banking Group is trading at £0.81 per share.

What is the 52-week range for Vanquis Banking Group?

Over the past 52 weeks, Vanquis Banking Group has traded between £0.77 and £1.32.

How much debt does Vanquis Banking Group have?

As of the most recent reporting period, Vanquis Banking Group reported total debt of £3.39B.

How much cash does Vanquis Banking Group have on hand?

Vanquis Banking Group reported £804.50M in cash and cash equivalents in its most recent financial results.

What is Vanquis Banking Group’s dividend yield?

Vanquis Banking Group does not currently have a dividend yield.

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