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XLONVANQ
Market cap147mUSD
Jan 03, Last price  
46.75GBP
1D
1.63%
1Q
-23.74%
Jan 2017
-97.76%
Name

Vanquis Banking Group PLC

Chart & Performance

D1W1MN
XLON:VANQ chart
P/E
—
P/S
19.78
EPS
—
Div Yield, %
0.32%
Shrs. gr., 5y
1.04%
Rev. gr., 5y
-10.32%
Revenues
599m
+24.65%
1,272,400,0001,337,500,000654,600,000669,200,000751,200,000815,600,000866,400,000910,800,000905,300,0001,003,900,000998,200,0001,033,100,0001,101,500,0001,119,300,0001,032,700,000926,300,000738,200,000481,600,000480,700,000599,200,000
Net income
-6m
L
144,400,0000124,900,000138,400,00092,100,00088,600,000101,500,000119,800,000148,000,000141,000,000175,600,000218,200,000262,900,000-134,400,00060,300,00084,400,000-83,400,000-32,100,00077,400,000-6,000,000
CFO
-231m
L+12.49%
-28,100,000-45,800,00043,700,000-333,600,000-32,900,0007,300,00034,000,00026,800,000-29,800,00074,200,000104,300,00081,500,00011,700,000-56,700,000-39,700,000100,300,000363,900,000163,100,000-204,900,000-230,500,000
Dividend
Apr 18, 20241 GBP/sh
Earnings
Mar 25, 2025

Profile

Provident Financial plc provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company operates through Vanquis Bank and Moneybarn segments. It offers credit cards products, unsecured personal loans, and savings products. The company also provides vehicle finance for cars, motorbikes, and light commercial vehicles. It serves 1.6 million customers. Provident Financial plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.
URL
https://www.vanquisbankinggroup.com/
IPO date
Mar 16, 1962
Employees
2,005
Domiciled in
GB
Incorporated in
GB

Valuation

Title
GBP in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
599,200
24.65%
480,700
-0.19%
Cost of revenue
306,400
297,900
Unusual Expense (Income)
NOPBT
292,800
182,800
NOPBT Margin
48.87%
38.03%
Operating Taxes
1,600
27,800
Tax Rate
0.55%
15.21%
NOPAT
291,200
155,000
Net income
(6,000)
-107.75%
77,400
-341.12%
Dividends
(38,400)
(42,800)
Dividend yield
11.75%
8.82%
Proceeds from repurchase of equity
200
(500)
BB yield
-0.06%
0.10%
Debt
Debt current
1,127,600
928,700
Long-term debt
1,476,500
902,900
Deferred revenue
Other long-term liabilities
(1,446,300)
(864,700)
Net debt
1,857,300
1,352,600
Cash flow
Cash from operating activities
(230,500)
(204,900)
CAPEX
(6,200)
(32,800)
Cash from investing activities
(18,800)
(32,800)
Cash from financing activities
527,200
(12,500)
FCF
80,700
(415,900)
Balance
Cash
743,300
464,900
Long term investments
3,500
14,100
Excess cash
716,840
454,965
Stockholders' equity
29,400
55,500
Invested Capital
4,306,900
3,466,200
ROIC
7.49%
4.83%
ROCE
6.75%
5.19%
EV
Common stock shares outstanding
253,000
253,700
Price
1.29
-32.43%
1.91
-46.29%
Market cap
326,876
-32.61%
485,074
-45.65%
EV
2,184,176
1,837,674
EBITDA
320,400
210,900
EV/EBITDA
6.82
8.71
Interest
113,400
58,800
Interest/NOPBT
38.73%
32.17%