Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Vanquis Banking Group plc (FPLPF)
Bradford, GB
Vanquis Banking Group plc is a financial services company specializing in providing personal credit solutions. It primarily serves the non-standard lending market across the United Kingdom and the Republic of Ireland. Its portfolio of offerings includes credit cards and unsecured personal loans. The group also extends vehicle financing options for a range of assets, such as cars, motorcycles, and light commercial vehicles. With a history stretching back to its founding in 1880, the company is headquartered in Bradford, UK. Notably, the business rebranded from its former identity, Provident Financial plc, to Vanquis Banking Group plc in March 2023.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.08% | +3.39% | +3.39% | +4.78% | +3.39% | +108.74% | -21.15% | +61.78% | -90.31% | -72.66% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+32.1% ★ Q4'25: -0.1% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+107.0% ★ Q4'25: -34.7% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+15.3% Q4'25: +62.7% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+25.9% Q4'25: +25.1% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+5.3% ★ Q4'25: +11.0% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+40.5% Q4'25: +7.7% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×19.60× Q4'25: 9.83× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.03B
est: 1.67B (-38.1%)
|
1.10B
est: 1.47B (-25.2%)
|
1.12B
est: 1.60B (-29.9%)
|
1.03B
est: 1.44B (-28.1%)
|
926.30M
est: 1.39B (-33.5%)
|
242.90M
est: 1.13B (-78.5%)
|
431.20M
est: 812.75M (-46.9%)
|
417.40M
est: 659.82M (-36.7%)
|
599.20M
est: 626.60M (-4.4%)
|
458.50M
est: 459.15M (-0.1%)
|
605.60M
est: 455.33M (+33.0%)
|
511.98M
508.82M – 514.01M
+12.4% YoY
|
559.17M
549.72M – 564.49M
+9.2% YoY
|
605.13M
598.01M – 609.28M
+8.2% YoY
|
646.50M
638.89M – 650.94M
+6.8% YoY
|
697.38M
689.18M – 702.17M
+7.9% YoY
|
| EBITDA |
308.00M
est: 389.32M (-20.9%)
|
454.20M
est: 343.48M (+32.2%)
|
-78.80M
est: 372.26M (-121.2%)
|
—
est: 334.87M (-100.0%)
|
—
est: 324.50M (-100.0%)
|
—
est: 263.52M (-100.0%)
|
175.70M
est: 189.46M (-7.3%)
|
205.40M
est: 153.82M (+33.5%)
|
159.40M
est: 146.07M (+9.1%)
|
—
est: 133.42M (-100.0%)
|
173.97M
est: 132.30M (+31.5%)
|
148.77M
147.85M – 149.36M
+12.4% YoY
|
162.48M
159.73M – 164.02M
+9.2% YoY
|
175.83M
173.76M – 177.04M
+8.2% YoY
|
187.85M
185.64M – 189.14M
+6.8% YoY
|
202.64M
200.25M – 204.03M
+7.9% YoY
|
| EBIT |
353.60M
est: 265.37M (+33.2%)
|
425.60M
est: 234.12M (+81.8%)
|
-107.30M
est: 253.75M (-142.3%)
|
-28.30M
est: 228.26M (-112.4%)
|
-41.00M
est: 221.19M (-118.5%)
|
-30.80M
est: 179.62M (-117.1%)
|
142.20M
est: 129.14M (+10.1%)
|
177.30M
est: 104.84M (+69.1%)
|
131.80M
est: 99.57M (+32.4%)
|
-24.40M
est: 108.42M (-122.5%)
|
157.07M
est: 107.52M (+46.1%)
|
120.89M
120.15M – 121.37M
+12.4% YoY
|
132.04M
129.81M – 133.29M
+9.2% YoY
|
142.89M
141.21M – 143.87M
+8.2% YoY
|
152.66M
150.86M – 153.71M
+6.8% YoY
|
164.67M
162.74M – 165.80M
+7.9% YoY
|
| Net Income |
218.20M
est: 299.77M (-27.2%)
|
262.90M
est: 327.09M (-19.6%)
|
-134.40M
est: 94.50M (-242.2%)
|
60.30M
est: 115.87M (-48.0%)
|
84.40M
est: 123.23M (-31.5%)
|
-83.40M
est: -43.22M (-93.0%)
|
-32.10M
est: 129.40M (-124.8%)
|
77.40M
est: 90.35M (-14.3%)
|
-6.00M
est: 20.14M (-129.8%)
|
-119.30M
est: -34.61M (-244.7%)
|
8.70M
est: 9.15M (-4.9%)
|
53.59M
52.77M – 54.07M
+485.7% YoY
|
84.98M
83.68M – 85.74M
+58.6% YoY
|
103.72M
102.13M – 104.65M
+22.1% YoY
|
123.17M
121.29M – 124.27M
+18.8% YoY
|
141.08M
138.92M – 142.34M
+14.5% YoY
|
| SGA |
322.60M
|
311.70M
|
766.20M
|
531.60M
|
460.60M
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
1.11
est: 1.17 (-5.4%)
|
1.33
est: 1.28 (+3.9%)
|
-0.66
est: 0.37 (-278.4%)
|
0.25
est: 0.45 (-44.9%)
|
0.30
est: 0.48 (-37.8%)
|
-0.33
est: -0.17 (-95.1%)
|
-0.13
est: 0.51 (-125.7%)
|
0.31
est: 0.35 (-12.3%)
|
-0.02
est: 0.08 (-130.1%)
|
-0.47
est: -0.10 (-387.4%)
|
0.03
est: 0.03 (+34.1%)
|
0.15
0.15 – 0.15
+485.7% YoY
|
0.24
0.23 – 0.24
+58.6% YoY
|
0.29
0.28 – 0.29
+22.1% YoY
|
0.34
0.34 – 0.35
+18.8% YoY
|
0.39
0.39 – 0.40
+14.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-06 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ian Michael Brian McLaughlin | Chief Executive Officer & Executive Director | 2M | male |
| David Michael Watts | Chief Financial Officer & Executive Director | 1M | male |
| Elli Michaelides | Chief People Officer | — | — |
| Ian Fielder | Chief Operating Officer | — | male |
| Jem Walters | Chief Technology Officer | — | male |
| Jillian Anderson | Chief Customer Officer | — | female |
| John Natalizia | Chief Digital, Data & Analytics Officer | — | male |
| Michael William Mustard | General Counsel & Company Secretary | — | male |
| Abigail Whittaker | Chief of Staff | — | female |
| Miriam McKay | Interim Head of Investor Relations | — | female |
| Cheryl Ball | Chief Human Resources Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for FPLPF
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
