Vanl.L
Vanquis Bank provides personal financial services, including credit cards and personal loans, primarily in the UK.
Business. Vanquis Bank provides personal financial services, including credit cards and personal loans, primarily in the UK.
Analyst recommendations
2 analysts · consensus BuyAt a glance
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- 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
Signals & dispatch
Composite-score breakdown
Synthesis
Vanquis Bank provides personal financial services, including credit cards and personal loans, primarily in the UK.
Vanquis Bank has a liquidity position characterized by a current ratio of 1.87, indicating that it holds 1.87 times more current assets than current liabilities. The company's debt-to-equity ratio is 0.21, suggesting a relatively conservative capital structure with limited leverage. However, the risk assessment notes that net cash is negative after subtracting total debt, signaling potential liquidity constraints.
In terms of profitability, Vanquis Bank's return on equity is 3.38%, and its return on assets is 1.95%. These figures are below the industry median for Construction & Engineering, which typically sees higher returns due to the capital-intensive nature of the sector. The company's operating income of GBP 4.88 million and net income of GBP 1.84 million reflect modest earnings relative to its asset base.
Vanquis Bank's revenue is primarily concentrated in the UK market, with no significant international operations disclosed. The company's business model is centered on personal financial services, and there is no indication of geographic diversification in the provided data. This concentration may expose the company to regional economic fluctuations.
The company's growth trajectory is modest, with no significant revenue growth reported in the latest financial data. The outlook for the current fiscal year does not indicate a substantial increase in revenue, and there are no clear signs of expansion or new market entry. The capital expenditure of GBP -3.58 million suggests a reduction in investment, which may affect long-term growth potential.
Risk factors for Vanquis Bank include medium liquidity risk and low dilution potential. The company's liquidity risk is primarily due to its negative net cash position after accounting for total debt. There are no immediate signs of dilution, as the number of shares outstanding has not changed between basic and diluted figures. However, the company's conservative capital structure may limit its ability to finance growth opportunities.
Recent events and filings do not indicate any major changes in the company's operations or strategic direction. The company's financial performance remains stable, with no significant deviations from historical trends. Analysts have provided a mean price target of GBP 49.00, with a mean recommendation of 1.50, indicating a generally positive outlook.
- Vanquis Bank maintains a conservative capital structure with a debt-to-equity ratio of 0.21.
- The company's return on equity and return on assets are below the industry median for Construction & Engineering.
- Vanquis Bank's revenue is primarily concentrated in the UK, with no significant international operations.
- The company's liquidity risk is medium, with a negative net cash position after subtracting total debt.
- Analysts have provided a generally positive outlook, with a mean price target of GBP 49.00.
- The company's growth trajectory is modest, with no significant revenue growth reported in the latest financial data.
Bull / Bear case
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Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,02 |
| Revenue | —no estimate | —no estimate | 139,5M GBP |
| Operating income | —no estimate | —no estimate | 4,5M GBP |
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consensus EPS · 26-week trendSell-side observations
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Risk factors
- Net cash is negative after subtracting total debt.
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