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Vanquis Banking Group PLC

Vanquis Banking Group PLC

VANQ · LSE · Financial Services / Banks - Regional

44.00GBX+0.65 (+1.50%)

Price History

Full chart

Market Stats

Previous Close43.35
Open45.50
Day Range43.39 – 45.50
52-Week Range69.20 – 132.00
Volume2.57M
Market Cap177.49M
P/E (TTM)23.07
Forward P/E14.39
EPS0.03
Dividend Yield0.00%
Beta1.18
50-Day Avg79.33
200-Day Avg106.26

About

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. The company offers credit cards, saving account, vehicle finance, loans, and mortgages. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. Vanquis Banking Group plc was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. The company was founded in 1880 and is headquartered in Bradford, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Ian Michael Brian McLaughlin
  • Employees1.29K
  • HeadquartersFairburn House, Bradford, United Kingdom, BD1 2SU, UK
  • Websitehttps://www.vanquis.com

Leadership

  • Mr. Ian Michael Brian McLaughlinCEO & Executive Director · b. 1966
  • Mr. David Michael WattsCFO & Executive Director · b. 1966
  • Mr. Ian FielderChief Operating Officer
  • Mr. Jem WaltersChief Technology Officer
  • James CranstounHead of Investor Relations
  • Elli MichaelidesChief People Officer
  • Ms. Jillian AndersonChief Customer Officer
  • Mr. John NataliziaDeputy Chief Executive Officer
  • Ms. Abigail WhittakerChief of Staff
  • Mr. Joe SweeneyChief Risk Officer

Financials

Income Statement

Currency: GBP1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue208.15M216.26M231.21M286.19M317.55M359.88M371.33M399.85M445.26M448.44M429.71M444.17M506.01M582.56M727.89M833.18M874.99M1.13B1.27B1.34B654.60M669.20M751.20M815.60M866.40M841.20M905.30M1.00B998.20M1.03B1.10B1.12B621.40M579.60M615.40M534.60M539.50M599.20M458.50M605.70M
Growth (%)-+3.90%+6.91%+23.78%+10.96%+13.33%+3.18%+7.68%+11.36%+0.71%-4.18%+3.37%+13.92%+15.13%+24.95%+14.46%+5.02%+29.62%+12.18%+5.12%-51.06%+2.23%+12.25%+8.57%+6.23%-2.91%+7.62%+10.89%-0.57%+3.50%+6.62%+1.62%-44.48%-6.73%+6.18%-13.13%+0.92%+11.07%-23.48%+32.10%
Cost of Revenue------------238.24M290.68M395.52M435.20M453.58M547.50M--------69.60M---1-541.00M468.20M470.00M223.40M53.00M58.80M313.80M236.30M284.90M
Gross Profit208.15M216.26M231.21M286.19M317.55M359.88M371.33M399.85M445.26M448.44M429.71M444.17M267.77M291.88M332.38M397.98M421.41M586.70M1.27B1.34B654.60M669.20M751.20M815.60M866.40M910.80M905.30M1.00B998.20M1.03B1.10B578.30M153.20M109.60M392.00M478.70M480.70M325.00M222.20M320.80M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%52.92%50.10%45.66%47.77%48.16%51.73%100.00%100.00%100.00%100.00%100.00%100.00%100.00%108.27%100.00%100.00%100.00%100.00%100.00%51.67%24.65%18.91%63.70%89.54%89.10%54.24%48.46%52.96%
Operating Expense167.92M189.54M187.42M229.78M252.21M296.86M328.57M337.32M364.11M347.30M311.18M307.67M121.87M136.86M172.16M228.37M239.27M384.80M1.07B1.30B550.50M554.00M622.40M689.90M724.40M748.70M633.90M821.50M773.60M759.50M675.90M1.90B62.50M-19.20M304.30M265.70M303.40M800.00K187.80M163.70M
Operating Income40.23M26.72M43.79M56.42M65.34M63.02M42.76M62.53M81.15M101.14M118.53M136.50M145.90M155.02M160.22M169.61M182.14M201.90M205.50M40.40M104.10M115.20M128.80M125.70M142.00M162.10M271.40M182.40M224.60M273.60M425.60M-1.32B90.70M128.80M87.70M213.00M177.30M324.20M34.40M157.10M
Operating Margin19.33%12.35%18.94%19.71%20.58%17.51%11.52%15.64%18.23%22.55%27.58%30.73%28.83%26.61%22.01%20.36%20.82%17.80%16.15%3.02%15.90%17.21%17.15%15.41%16.39%19.27%29.98%18.17%22.50%26.48%38.64%-117.87%14.60%22.22%14.25%39.84%32.86%54.11%7.50%25.94%
EBITDA43.90M31.13M48.90M62.97M71.97M69.70M71.35M86.65M100.84M119.43M133.09M141.36M170.67M160.06M190.73M212.93M-684.65M-922.30M190.80M-1.40B111.30M-505.80M138.70M141.90M153.30M175.50M285.00M207.40M245.90M308.00M454.20M-78.80M119.00M169.80M-82.70M175.70M205.40M159.40M-113.60M174.00M
EBITDA Margin21.09%14.39%21.15%22.00%22.66%19.37%19.22%21.67%22.65%26.63%30.97%31.82%33.73%27.48%26.20%25.56%-78.25%-81.32%15.00%-104.89%17.00%-75.58%18.46%17.40%17.69%20.86%31.48%20.66%24.63%29.81%41.23%-7.04%19.15%29.30%-13.44%32.87%38.07%26.60%-24.78%28.73%
Net Income14.44M17.79M18.56M35.28M24.37M24.13M28.12M41.90M54.37M67.76M79.41M93.50M104.78M111.61M117.61M123.81M118.59M141.10M144.40M-124.90M138.40M92.10M88.60M101.50M119.80M146.00M141.00M175.60M218.20M262.90M-134.40M65.30M76.40M-83.40M-32.10M77.40M-6.00M-119.30M8.70M
Net Income Margin6.93%8.22%8.03%12.33%7.68%6.71%7.57%10.48%12.21%15.11%18.48%21.05%20.71%19.16%16.16%14.86%13.55%12.44%11.35%-19.08%20.68%12.26%10.86%11.72%14.24%16.13%14.05%17.59%21.12%23.87%-12.01%10.51%13.18%-13.55%-6.00%14.35%-1.00%-26.02%1.44%
R&D------------------------------0.290.10.090.120.060.271.00M800.00K--
R&D as % of Total Revenue------------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.19%0.13%--
Interest Expense17.97M16.68M15.63M24.71M29.18M28.92M25.22M18.89M14.42M11.15M9.26M12.17M20.14M18.48M24.58M35.10M39.79M50.90M55.50M62.80M41.10M42.40M45.30M57.00M71.90M71.20M74.70M74.20M77.50M80.00M81.70M77.00M91.70M72.00M59.90M53.00M58.80M113.40M145.40M148.80M
Interest Expense % of Total Revenue8.64%7.71%6.76%8.63%9.19%8.04%6.79%4.72%3.24%2.49%2.15%2.74%3.98%3.17%3.38%4.21%4.55%4.49%4.36%4.70%6.28%6.34%6.03%6.99%8.30%8.46%8.25%7.39%7.76%7.74%7.42%6.88%14.76%12.42%9.73%9.91%10.90%18.93%31.71%24.57%

Balance Sheet

Currency: GBP1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets328.74M341.58M360.74M455.87M508.56M534.72M541.54M640.73M745.91M826.12M851.13M916.86M975.31M1.05B1.23B1.43B1.84B1.97B2.06B1.98B1.91B1.08B1.23B1.28B1.38B1.48B1.69B1.81B2.26B2.47B2.83B2.97B3.02B2.91B3.08B2.73B2.66B3.21B3.38B3.94B
Total Liabilities263.09M267.19M275.36M338.21M382.18M397.68M387.41M464.25M545.68M594.02M581.61M626.10M728.00M791.26M965.31M1.13B1.43B1.52B1.65B1.66B1.56B779.40M948.60M1.01B1.07B1.15B1.31B1.39B1.65B1.76B2.04B2.43B2.23B2.18B2.43B2.09B2.05B2.63B2.93B3.45B
Total Equity65.65M74.39M85.38M117.66M126.37M137.04M154.13M176.48M200.24M232.10M269.53M290.76M247.30M259.02M266.69M296.55M402.67M449.00M414.70M317.40M354.00M295.90M277.90M268.40M309.40M326.20M375.40M416.80M613.00M707.70M790.10M535.10M703.30M729.30M647.70M631.20M614.70M583.10M441.20M487.30M
Cash22.51M34.90M36.54M36.35M40.70M40.92M41.38M50.45M61.38M49.66M10.19M25.33M31.58M42.42M50.88M44.62M48.47M38.80M38.40M451.90M438.80M23.40M19.50M20.30M29.00M49.60M79.10M119.00M145.90M153.40M223.70M282.90M387.90M353.60M919.70M717.70M464.90M743.30M1.00B804.50M
Total Debt151.26M157.05M158.31M203.67M248.24M256.14M229.90M189.03M168.38M149.37M149.18M207.49M316.79M317.28M422.04M516.20M733.63M819.40M857.70M982.90M1.02B633.70M828.50M890.30M964.90M1.05B1.20B1.28B1.49B1.60B1.86B2.17B623.80M696.60M2.25B1.90B1.97B2.57B2.87B3.39B
Net Debt128.75M122.15M121.78M167.32M207.54M215.22M188.52M138.57M107.00M99.71M138.99M182.16M285.21M274.86M371.16M471.58M685.16M780.60M819.30M531.00M582.20M610.30M809.00M870.00M935.90M1.00B1.12B1.17B1.35B1.44B1.63B1.89B-387.90M-353.60M-919.70M186.40M1.50B1.83B-1.00B2.61B

Cash Flow

Currency: GBP1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.50M45.74M88.95M106.07M74.87M148.00K-23.05M-110.61M47.83M24.00M43.92M28.61M-67.70M-28.10M-45.80M43.70M-333.60M-32.90M7.30M34.00M26.80M-29.80M74.20M104.30M81.50M11.70M-56.70M-39.70M100.30M363.90M163.10M-204.90M-230.50M440.20M93.00M
Investing Cash Flow-16.81M-20.08M-40.15M-74.82M-69.11M-40.18M12.46M7.09M-2.36M-70.43M-119.62M-106.75M-35.60M5.10M-18.80M-34.70M-11.40M-13.90M-11.80M-17.60M-7.40M-7.40M-8.80M-137.90M-25.60M-10.60M-66.90M-11.20M24.40M-21.50M-22.30M-32.80M-18.80M2.10M-270.30M
Financing Cash Flow3.69M1.99M-31.48M-9.34M-9.67M-435.00K24.06M108.20M-34.82M48.94M81.00M81.07M87.60M-36.60M15.30M-22.00M-71.90M49.10M2.10M-12.50M-5.60M74.70M-25.40M59.40M-57.30M78.20M184.80M152.00M-154.80M225.10M-345.00M-12.50M527.20M-181.30M-21.90M
Capital Expenditure8.63M5.30M9.16M7.97M6.96M4.12M5.92M7.46M7.67M10.27M19.94M17.84M19.20M26.10M30.70M21.30M13.10M14.70M13.40M19.20M9.00M8.70M10.30M19.00M27.00M23.40M32.70M12.90M14.00M22.20M26.10M32.80M3.30M2.20M3.30M
Free Cash Flow-4.13M40.44M79.80M98.10M67.92M-3.98M-28.97M-118.07M40.16M13.73M23.98M10.77M-86.90M-54.20M-76.50M22.40M-346.70M-47.60M-6.10M14.80M17.80M-38.50M63.90M85.30M54.50M-11.70M-89.40M-52.60M86.30M341.70M137.00M-237.70M581.40M438.00M89.70M
Dividends Paid-----------73.17M79.70M84.90M88.60M91.40M89.40M83.40M84.10M84.90M86.80M96.10M108.40M123.40M148.90M180.60M133.40M-47.60M--42.80M38.40M2.50M500.00K
FCF to OCF-91.93%88.41%89.70%92.49%90.71%-2686.49%125.68%106.74%83.96%57.21%54.59%37.64%128.36%192.88%167.03%51.26%103.93%144.68%-83.56%43.53%66.42%129.19%86.12%81.78%66.87%-100.00%157.67%132.49%86.04%93.90%84.00%116.01%-252.23%99.50%96.45%
Dividend Paid to FCF-----------679.38%-91.71%-156.64%-115.82%408.04%-25.79%-175.21%-1378.69%573.65%487.64%-249.61%169.64%144.67%273.21%-1543.59%-149.22%-55.16%---18.01%6.60%0.57%0.56%

Earnings

Report DateFeb 25, 2014Jul 23, 2014Oct 17, 2014Feb 24, 2015Jul 28, 2015Feb 23, 2016Jul 26, 2016Feb 28, 2017Jul 25, 2017Feb 27, 2018Jul 31, 2018Mar 13, 2019Jul 30, 2019Mar 11, 2020Aug 26, 2020May 10, 2021Aug 11, 2021Apr 4, 2022Aug 9, 2022Mar 31, 2023Mar 14, 2025Aug 7, 2025Feb 25, 2027
EPS Estimate49.8343.600.000.0051.2965.1958.0634.9643.55-3.030.000.0022.7026.00-19.4065.400.000.000.000.000.00--
EPS Actual0.000.000.000.000.000.650.620.700.34-0.970.100.150.080.25-0.09-0.24-0.200.540.130.20-0.330.02-
Surprise-100.00%-100.00%---100.00%-99.00%-98.93%-98.00%-99.22%67.99%---99.65%-99.04%99.54%-100.37%-------
Timing-------------------Pre-market-After-hoursPre-market

Key Statistics & Ratios

Market Cap177.49M
Enterprise Value3.15B
Trailing P/E23.07
Forward P/E14.39
PEG Ratio1.88
Price / Sales0.66
Price / Book0.37
EPS0.03
Book Value1.98
Revenue (TTM)268.20M
Gross Profit (TTM)11.00M
Profit Margin2.61%
Operating Margin6.50%
Return on Equity2.32%
Return on Assets0.28%
Shares Outstanding250.33M
Shares Float199.55M
Beta1.18
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20241×
0.01Apr 18, 2024
20232×
0.05Aug 10, 20230.10Apr 20, 2023
20222×
0.05Aug 11, 20220.12Apr 21, 2022
20201×
0.16Apr 2, 2020
20192×
0.09Aug 15, 20190.10May 23, 2019
20172×
0.43Oct 26, 20170.67May 18, 2017
20162×
0.32Oct 27, 20160.59May 19, 2016
20152×
0.29Oct 29, 20150.47May 21, 2015
20142×
0.25Oct 30, 20140.40May 21, 2014
20132×
0.23Oct 30, 20130.35May 22, 2013
20122×
0.21Oct 31, 20120.31May 16, 2012
20112×
0.20Nov 2, 20110.28May 11, 2011
20102×
0.19Nov 3, 20100.28May 12, 2010

Stock Splits

  • Jul 16, 20071:2
  • May 13, 19962:1
  • May 10, 19935:2