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Vanquis Banking Group plc
VANQ.L: LSELowest reading is at 12 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Ian Michael Brian McLaughlin
Market Cap
182.74 Million GBp
Sector
Financial Services
Website
https://www.vanquis.comLast Update
28/09/2026, 03:24:32
Description
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.
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Strongest readings
- ✔Estimated fair value sits 259.93% above the current price
- ✔Financial health is strong (health score 69 out of 100)
- ✔Debt is low at 0.76 times equity
Weakest readings
- ✘Revenue is growing at 1.69% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 12 out of 100)
- ✘Share count has been rising at 0.41% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings (TTM) | N/A | 19.60x | ||
| ✔ | Margin of safety (DCF) | 259.93% | 17.95% | |
| ✘ | Revenue growth (5y average) | 1.69% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✘ | Share count, per year | 0.41% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
50 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings | N/A | 19.60x | ||
| ✔ | Free cashflow yield | 84.44% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 37.50x | — | ||
| ✔ | Margin of safety | 259.93% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 262.75 GBp is above the current price of 73.00 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 10 GBp ✘
Current Price: 73 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
12 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 1.69% | 10.97% | |
| Earnings growth | N/A | 14.48% | ||
| ✘ | Cashflow growth | -52.56% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue is growing at 1.69% per year while free cashflow is falling at 52.56% per year
Health
69 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.76x | 0.80x | |
| ✔ | Debt / total capital | 0.43x | 1.00x | |
| Equity / assets | 12.36% | — | ||
| Loans / deposits | 0.89x | — | ||
| Net interest margin | 10.61% | — | ||
| Loan-loss cover | N/A | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
40 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 1.68% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.21% | — | ||
| Free cashflow return on capital | 8.92% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.41% | 0.00% | |
| ✔ | Share count, recent | -1.44% | 0.00% | |
| ✘ | Realized buyback return | -84.58% | 0.00% | |
| ✘ | Goodwill erosion / equity | 14.61% | 2.00% | |
| Price volatility, 5 year | 58.74% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 50 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
VANQ.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Vanquis Banking Group plc
Currency
GBp
Beta
1.172
Vol Avg
1094709
Ceo
Mr. Ian Michael Brian McLaughlin
Cik
Cusip
Exchange
LSE
Full Time Employees
1294
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
Fairburn House
City
Bradford
State
Country
United Kingdom
Zip
BD1 2SU
Phone
44 1274 351351
Analysis Last Updated
28/09/2026, 03:24:32
Financial data compiled from SEC EDGAR filings and Yahoo Finance.