Companies ›Financials ›VANQ.L

VANQ.L — London Stock Exchange Consumer Lending

Vanquis Banking Group PLC

$79,90

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Mcap

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P/E

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EV / Rev

—

Div yield

0,00 %

Op margin

1,3 %

ROE

1,8 %

Net margin

1,4 %

Debt / equity

6,87

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

Vanquis Banking Group PLC provides consumer finance and banking services, primarily through unsecured personal loans and credit cards, targeting subprime and near-prime customers in the UK.

Business. Vanquis Banking Group PLC (VANQ.L) is a consumer lending company headquartered in the United Kingdom and listed on the London Stock Exchange. The firm operates within the Banking & Investment Services industry, providing banking services primarily focused on consumer credit. As specific segment and geographic breakdowns are not provided, the company is described at the industry level as a participant in the consumer lending sector.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

Generated · model-assisted

Sell-side consensus

BUY4 analysts

4 buy0 hold0 sell

Avg 12m price target157,50

Analyst recommendations

4 analysts · consensus Buy

Buy4

Hold0

Sell0

12-month price target

157,50

Consensus of sell-side coverage.

Upcoming events

— missing data

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts→

Buy

4 analysts · indicative

Ownership

—

not yet wired

Profitability→

1,8 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning VANQ.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to VANQ.L. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Vanquis Banking Group PLC (VANQ.L) is a consumer lending company headquartered in the United Kingdom and listed on the London Stock Exchange. The firm operates within the Banking & Investment Services industry, providing banking services primarily focused on consumer credit. As specific segment and geographic breakdowns are not provided, the company is described at the industry level as a participant in the consumer lending sector.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

AI synthesis

GENERATED

Vanquis operates with a highly leveraged capital structure, as evidenced by a debt-to-equity ratio of 6.87, indicating a significant reliance on debt financing. The company's liquidity position is assessed as medium, with negative net cash after subtracting total debt, suggesting potential short-term liquidity constraints. Free cash flow stands at 6.3 million GBP, which is modest relative to operating cash flow of 93 million GBP, indicating limited capacity for reinvestment or shareholder returns.

Profitability metrics are weak, with a return on equity (ROE) of 1.79% and a return on assets (ROA) of 0.22%, both significantly below the industry median for consumer lending. Operating income of 8.1 million GBP and net income of 8.7 million GBP reflect a narrow margin of profitability, constrained by high interest costs and credit losses.

Geographically, Vanquis is concentrated in the UK, with no disclosed international operations. Revenue is derived primarily from unsecured personal loans and credit cards, with no material diversification across product lines or customer segments. This concentration increases exposure to UK-specific macroeconomic and regulatory risks.

Growth appears limited, with no disclosed revenue growth in the latest period. The company reported revenue of 605 million GBP, with gross profit of 454.4 million GBP. Analysts project a mean price target of 157.50 GBP, with a median of 157.50 GBP, suggesting limited upside potential in the near term.

Risk factors include high leverage, weak profitability, and liquidity constraints. The company has a low dilution risk, with basic and diluted shares outstanding aligned at 256.5 million. No recent dilutive events are disclosed, and the risk assessment indicates no immediate pressure for equity issuance.

Recent filings and transcripts do not disclose material changes in strategy or operations. The company remains focused on its core consumer lending business, with no significant new product launches or geographic expansions reported in the latest data.

Key takeaways

Vanquis has a highly leveraged capital structure with a debt-to-equity ratio of 6.87.
Profitability is weak, with ROE of 1.79% and ROA of 0.22%.
The company is geographically and product-line concentrated in the UK consumer lending market.
Analysts project limited upside, with a mean price target of 157.50 GBP.
Liquidity is assessed as medium, with negative net cash after debt.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$79,90

Market cap

—

Enterprise valueⓘ

—

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$487.3M

Net cashⓘ

-$3.35B

Current ratioⓘ

—

Debt / equityⓘ

6.9

ROAⓘ

0.2%

ROEⓘ

1.8%

Cash conversionⓘ

1069.0%

CapEx / revenueⓘ

-3.1%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

0,15

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

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no estimate

Segment revenue

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no estimate

Margin

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no estimate

Segment margin

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no estimate

as of 2026-05-25 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	0,15
Revenue	—no estimate	—no estimate	515,0M GBP
Operating income	—no estimate	—no estimate	—no estimate

Full-year consensus mean (period as reported by source) · consensus in GBP. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution4 analysts

Strong buy1

Buy3

Hold0

Sell0

Strong sell0

12-month price target$156,25 · Median $155,00

Low $150,00High $165,00

EPS surprise

−69,9 %

reported vs consensus · miss

Revenue surprise

−11,7 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$150,00

Mean$157,50

Median$157,50

High$165,00

Spot$79,90

+97.1 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Op Margin1,3 %Bottom quartile

Net Margin1,4 %Bottom quartile

ROE1,8 %Below median

Capex / Rev-3,1 %Below median

D/E6,87Bottom quartile

Cash Conv10,69Best in class

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

Vanquis Banking Group PLC Market data — financials · 2026-05-29
Vanquis Banking Group PLC Market data — analyst estimates · 2026-05-29
Vanquis Banking Group PLC Market data — ESG · 2026-05-29

Ownership & reference

Leadership

Ian Michael Brian MclaughlinChief Executive Officer, Executive Director

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

VANQ.LCanonical

London Stock Exchange · USD

Intel & risk

PredictorBeat prob45 %Surprise+0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread