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Vanquis Banking Group (GB:VANQ)
LSE:VANQ
VANQ Stock Chart & Stats
109.00p
0.80p(1.73%)
At close: 4:00 PM EST
109.00p
0.80p(1.73%)
Day’s Range― - ―
52-Week Range42.65p - 132.00p
Previous CloseN/A
Volume8.04K
Average Volume (3M)1.33M
Market Cap
£280.52M
Enterprise Value2.89B
Total Cash (Recent Filing)£1.06B
Total Debt (Recent Filing)£3.41B
Price to Earnings (P/E)―
Beta1.47
Next Earnings
Aug 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.01
Shares Outstanding256,493,740
10 Day Avg. Volume1,545,119
30 Day Avg. Volume1,325,363
Financial Highlights & Ratios
PEG Ratio-0.33
Price to Book (P/B)0.62
Price to Sales (P/S)0.50
P/FCF Ratio3.39
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.17
Revenue Forecast (FY)£514.60M
Bulls Say, Bears Say
Bulls Say
Return To Profitability And Revenue ReboundA material revenue rebound and a return to positive net income in 2025 demonstrate the franchise can re‑generate earnings after a multi‑year trough. Sustained revenue growth and the ability to convert it to profit improve operational resilience and provide a foundation for multi‑year ROTE recovery if credit and costs remain controlled.
Stable Retail Deposit Funding And Balance GrowthHigh share of retail deposits (~90% of funding) and strong balance growth materially reduce reliance on wholesale markets, lowering funding fragility. Durable retail deposit funding supports incremental lending scale, liquidity buffers and interest margin stability versus peers that are more reliant on short‑term wholesale funding.
Material Transformation Savings And Efficiency ProgramSubstantive, repeatable cost savings from the Gateway transformation lower structural operating costs and improve cost/income ratio potential. Continued delivery of programmable savings enhances margin sustainability, funds investment in growth initiatives and reduces the scale required for break‑even in riskier product lines.
Bears Say
High And Rising LeverageA debt‑to‑equity ratio near 7x materially increases sensitivity to credit losses and funding stress, constraining strategic flexibility. Elevated leverage raises the capital required to support growth, amplifies upside/downside to ROTE, and increases the stakes of execution on impairment and margin assumptions over the next 2–3 years.
Vehicle Finance Remains Loss‑making And High CostA structurally loss‑making vehicle finance arm with very high cost intensity drains group earnings until it scales post‑platform delivery. This creates execution risk: if Gateway or scale benefits are delayed or weaker than expected, the business will continue to depress consolidated margins and cash generation for multiple quarters.
Credit Coverage And Expected Rising Impairments With GrowthPlanned aggressive balance growth coupled with management guidance for higher impairments means credit expenses are likely to rise, compressing net margins and straining capital conversion. Lower coverage ratios alongside expected higher ECL headline a durable risk that credit performance could worsen before scale benefits materialize.
Vanquis Banking Group News
VANQ FAQ
What was Vanquis Banking Group’s price range in the past 12 months?
Vanquis Banking Group lowest share price was 42.65p and its highest was 132.00p in the past 12 months.
What is Vanquis Banking Group’s market cap?
Vanquis Banking Group’s market cap is £280.52M.
When is Vanquis Banking Group’s upcoming earnings report date?
Vanquis Banking Group’s upcoming earnings report date is Aug 06, 2026 which is in 155 days.
How were Vanquis Banking Group’s earnings last quarter?
Vanquis Banking Group released its earnings results on Feb 26, 2026. The company reported 0.012p earnings per share for the quarter, beating the consensus estimate of N/A by 0.012p.
Is Vanquis Banking Group overvalued?
According to Wall Street analysts Vanquis Banking Group’s price is currently Overvalued.
Does Vanquis Banking Group pay dividends?
Vanquis Banking Group pays a Notavailable dividend of 1p which represents an annual dividend yield of N/A. See more information on Vanquis Banking Group dividends here
What is Vanquis Banking Group’s EPS estimate?
Vanquis Banking Group’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Vanquis Banking Group have?
Vanquis Banking Group has 256,493,740 shares outstanding.
What happened to Vanquis Banking Group’s price movement after its last earnings report?
Vanquis Banking Group reported an EPS of 0.012p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.902%.
Which hedge fund is a major shareholder of Vanquis Banking Group?
Currently, no hedge funds are holding shares in GB:VANQ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Vanquis Banking Group Stock Smart Score
Neutral
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Insider Transactions
Bought Shares
Worth £32.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
153.27%
12-Months-Change
Fundamentals
Return on Equity
-16.30%
Trailing 12-Months
Asset Growth
11.72%
Trailing 12-Months
Company Description
Vanquis Banking Group
Vanquis Banking Group plc provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. It offers credit cards products, and unsecured personal loans products. The company also provides vehicle finance for cars, motorbikes, and light commercial vehicles. The company was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. Vanquis Banking Group plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.
Technical Analysis
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Options Prices
Currently, No data available
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