OTC · Financial - Credit Services

Vanquis Banking Group plc (FPLPF) Stock

$1.56 +0.00% OTC: FPLPF Financial Services

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.

Valuation

MetricValue
Price$1.56
Market Cap$398.24M
P/E Ratio38.28
P/B Ratio0.63
P/S Ratio0.66
EPS (TTM)$0.04
52-Week High$1.56
52-Week Low$0.74
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE1.89%
ROA0.22%
ROCE25.76%
Gross Margin70.43%
Operating Margin49.70%
Net Margin1.87%
Debt/Equity7.00
Current Ratio1.25

Annual Financials (USD)

Metric20212022202320242025
Revenue$431.0M$417.0M$599.0M$459.0M$606.0M
Operating Profit$431.0M$416.0M$324.0M$55.0M$158.0M
Net Profit$-32.0M$77.0M$-6.0M$-119.0M$9.0M
EPS$-0.13$0.31$-0.02$-0.47$0.03
Op Margin100.0%99.8%54.1%11.9%26.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.7B$2.7B$3.2B$3.4B$3.9B
Total Liabilities$2.1B$2.0B$2.6B$2.9B$3.5B
Cash$718.0M$465.0M$743.0M$1.0B$804.0M
Borrowings$904.0M$865.0M$2.6B$1.4B$3.4B

Latest News

Vanquis Banking Group PLC (LSE:VANQ) (H1 2026) Earnings Call Highlights: Profit Surges 44% Amid ... GuruFocus.com · Jul 30, 2026 Vanquis Banking Group H1 Earnings Call Highlights MarketBeat · Jul 30, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$163.0M$-205.0M$585.0M$440.0M$93.0M
Investing Cash Flow$-48.0M$-66.0M$-22.0M$0$-274.0M
Financing Cash Flow$-10.0M$-11.0M$-11.0M$-10.0M$-16.0M
Net Cash Flow$-204.0M$-250.0M$278.0M$261.0M$-128.0M
Free Cash Flow$137.0M$-238.0M$581.0M$438.0M$90.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.21
EV / EBITDA16.74
FCF Yield29.25%
Quick Ratio1.25
Interest Coverage1.55
Return 1Y108.74%
Return 3Y-39.22%
Return 5Y—

Ownership

Insiders Held11.34%
Institutions Held57.55%
Institutions Float Held64.91%
Institutional HolderSharesReport Date
American Century ETF Trust-Avantis International Small Cap Value ETF2,736,5792026-06-30
HARTFORD MUTUAL FUNDS INC/CT-The Hartford International Value Fund2,267,4092026-04-30
DFA INVESTMENT DIMENSIONS GROUP INC-Intl Core Eqy. 2 PORT.940,1602026-04-30
American Century ETF Trust-Avantis International Equity ETF617,7582026-06-30
DFA INVESTMENT TRUST CO-The United Kingdom Small Company Series351,5322026-04-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CFNBCalifornia First Leasing Corporation $1697.50 +0.00% 4.54 $304.85M 0.00%
COSGGrand Gallery Inc $0.06 +0.00% -0.25 $263.69M 0.00%
FBIPFNB Bancorp, Inc. $142.50 +0.00% 65.14 $917.75M 2.86%
FFXXFHelios Fairfax Partners Corporation $1.70 +0.00% 4.05 $133.07M 0.00%
MGTEMarblegate Capital Corporation $1.05 -8.70% -1.62 $77.61M 0.00%

About Vanquis Banking Group plc

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.

Vanquis Banking Group plc is headquartered in GB.

Vanquis Banking Group plc (FPLPF) stock trades at $1.56 with a market capitalization of $398.24M. The stock is valued at a price-to-earnings (P/E) ratio of 38.28, price-to-book of 0.63, price-to-sales of 0.66. Over the past 52 weeks the stock has ranged between $0.74 and $1.56, and currently trades at its 52-week high.

On profitability, Vanquis Banking Group plc generates a return on equity (ROE) of 1.89%, return on capital employed of 25.76%, an operating margin of 49.70%, a net profit margin of 1.87%.

Official website: www.vanquis.com

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