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Vanquis Banking Group plc (VANQ.L)
GBp114.80
+0.20 (+0.17%)
GB LSE Financial Services Financial - Credit Services
Address
No. 1 Godwin Street BD1 2SU
Bradford, GB
Bradford, GB
CEO
Ian Michael Brian McLaughlin
Website
vanquisbankinggroup.com
IPO
1988-07-01
ISIN GB00B1Z4ST84
Also trades on
London Stock Exchange · PFG.L (GBp)
London Stock Exchange · VANQ.L (GBp)
Other OTC · FPLPF (USD)
Description
Headquartered in Bradford, UK, Vanquis Banking Group plc focuses on providing personal credit solutions to the non-prime lending sector throughout the United Kingdom and the Republic of Ireland. Its product portfolio encompasses credit cards, unsecured personal loans, and vehicle financing for automobiles, motorcycles, and light commercial vehicles. The company, which dates back to its founding in 1880, operated as Provident Financial plc until its rebranding to Vanquis Banking Group plc in March 2023.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp114.80
+0.20 (+0.17%)
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Volume Profile
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Liquidity & share structure
Average Volume
573.1K
Beta
1.23
Float Shares
194.75M
Free Float %
76.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -1.62% | -1.62% | -8.71% | -3.54% | -8.86% | +22.06% | -49.77% | -56.54% | -94.88% | +56.16% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
114.80
DCF (Unlevered)
961.38
+737.4%
DCF (Levered)
5,075.88
+4,321.5%
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.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | -1 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.62
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+32.1% ★ Q4'25: -1.3% (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%+5.4% ★ Q4'25: +11.0% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+4.3% Q4'25: +7.7% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×19.47× Q4'25: 9.83× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| 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. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 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: 1.13B (-8.8%)
|
1.10B
est: 1.19B (-7.6%)
|
1.12B
est: 1.18B (-5.2%)
|
621.40M
est: 1.13B (-44.9%)
|
579.60M
est: 1.05B (-44.8%)
|
615.40M
est: 826.97M (-25.6%)
|
534.60M
est: 601.23M (-11.1%)
|
539.50M
est: 545.58M (-1.1%)
|
599.20M
est: 319.90M (+87.3%)
|
458.50M
est: 459.27M (-0.2%)
|
605.70M
est: 455.40M (+33.0%)
|
513.17M
510.00M – 515.20M
+12.7% YoY
|
560.47M
551.00M – 565.80M
+9.2% YoY
|
606.53M
599.40M – 610.70M
+8.2% YoY
|
648.00M
640.38M – 652.45M
+6.8% YoY
|
699.00M
690.77M – 703.80M
+7.9% YoY
|
| EBITDA |
308.00M
est: 146.56M (+110.1%)
|
454.20M
est: 154.24M (+194.5%)
|
-78.80M
est: 152.69M (-151.6%)
|
—
est: 145.89M (-100.0%)
|
—
est: 135.92M (-100.0%)
|
—
est: 106.97M (-100.0%)
|
—
est: 77.77M (-100.0%)
|
205.40M
est: 70.57M (+191.1%)
|
159.40M
est: 59.76M (+166.7%)
|
—
est: 85.79M (-100.0%)
|
174.00M
est: 85.07M (+104.5%)
|
95.86M
95.27M – 96.24M
+12.7% YoY
|
104.70M
102.93M – 105.69M
+9.2% YoY
|
113.30M
111.97M – 114.08M
+8.2% YoY
|
121.05M
119.62M – 121.88M
+6.8% YoY
|
130.58M
129.04M – 131.47M
+7.9% YoY
|
| EBIT |
353.60M
est: 86.72M (+307.7%)
|
425.60M
est: 91.26M (+366.4%)
|
-107.30M
est: 90.35M (-218.8%)
|
-28.30M
est: 86.32M (-132.8%)
|
-41.00M
est: 80.42M (-151.0%)
|
-30.80M
est: 63.29M (-148.7%)
|
-33.50M
est: 46.01M (-172.8%)
|
177.30M
est: 41.76M (+324.6%)
|
131.80M
est: 44.28M (+197.7%)
|
-24.40M
est: 63.57M (-138.4%)
|
157.10M
est: 63.04M (+149.2%)
|
71.03M
70.59M – 71.31M
+12.7% YoY
|
77.58M
76.27M – 78.32M
+9.2% YoY
|
83.95M
82.97M – 84.53M
+8.2% YoY
|
89.69M
88.64M – 90.31M
+6.8% YoY
|
96.75M
95.62M – 97.42M
+7.9% YoY
|
| Net Income |
218.20M
est: 300.55M (-27.4%)
|
262.90M
est: 325.03M (-19.1%)
|
-134.40M
est: 92.68M (-245.0%)
|
65.30M
est: 122.25M (-46.6%)
|
76.40M
est: 119.42M (-36.0%)
|
-83.40M
est: -43.04M (-93.8%)
|
-32.10M
est: 129.14M (-124.9%)
|
77.40M
est: 91.64M (-15.5%)
|
-6.00M
est: -26.99M (+77.8%)
|
-119.30M
est: -25.61M (-365.8%)
|
8.70M
est: 6.79M (+28.1%)
|
39.14M
37.14M – 41.15M
+476.2% YoY
|
59.67M
59.45M – 66.83M
+52.4% YoY
|
77.17M
75.99M – 77.86M
+29.3% YoY
|
91.64M
90.24M – 92.46M
+18.8% YoY
|
104.96M
103.36M – 105.90M
+14.5% YoY
|
| SGA |
322.60M
est: 183.24M (+76.1%)
|
458.80M
est: 192.83M (+137.9%)
|
766.20M
est: 190.90M (+301.4%)
|
505.60M
est: 182.40M (+177.2%)
|
460.60M
est: 169.93M (+171.1%)
|
—
est: 133.73M (-100.0%)
|
—
est: 97.23M (-100.0%)
|
—
est: 88.23M (-100.0%)
|
484.50M
est: 51.73M (+836.5%)
|
—
est: 74.27M (-100.0%)
|
—
est: 73.65M (-100.0%)
|
82.99M
82.47M – 83.32M
+12.7% YoY
|
90.64M
89.11M – 91.50M
+9.2% YoY
|
98.09M
96.93M – 98.76M
+8.2% YoY
|
104.79M
103.56M – 105.51M
+6.8% YoY
|
113.04M
111.71M – 113.81M
+7.9% YoY
|
| EPS |
1.11
est: 1.18 (-5.7%)
|
1.33
est: 1.27 (+4.5%)
|
-0.66
est: 0.36 (-281.9%)
|
0.25
est: 0.48 (-47.8%)
|
0.30
est: 0.47 (-35.8%)
|
-0.33
est: -0.17 (-95.9%)
|
-0.13
est: 0.51 (-125.7%)
|
0.31
est: 0.36 (-13.6%)
|
-0.02
est: -0.10 (+76.7%)
|
-0.47
est: -0.10 (-387.3%)
|
0.03
est: 0.03 (+34.1%)
|
0.15
0.14 – 0.15
+486.9% YoY
|
0.24
0.22 – 0.25
+58.6% YoY
|
0.29
0.29 – 0.29
+22.1% YoY
|
0.34
0.34 – 0.35
+18.8% YoY
|
0.39
0.39 – 0.40
+14.5% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-28 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-27 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-26 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-22 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-21 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-20 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-19 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-18 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-15 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-14 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-13 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-12 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-11 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-08 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-07 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-06 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-01 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-24 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-23 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-22 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-21 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-20 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-17 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-16 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
508.15M
OE per share TTM
1.95
Owner's Yield
181.97%
Maintenance CapEx ratio
88.31%
Maint CapEx / Avg PPE
8.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 1 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - International Small Cap ETF DFIS | 0.00% | 69.3K | 0.39% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
123.8K
Shares Outstanding
255.09M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
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 | 1M | male |
| David Michael Watts | Chief Financial Officer & Executive Director | 789.0K | 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 |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for VANQ.L
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.
