A Business at a Glance
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VANQUIS BANKING GROUP PLC ORD operates in the Financial - Credit Services industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 601M | 601M | 571M | 610M | 593M | 658M |
| Net Income | 11M | 11M | -153M | -15M | 95M | -44M |
| EPS | $0.04 | $0.04 | $-0.60 | $-0.06 | $0.38 | $-0.18 |
| Free Cash Flow | 118M | 118M | 576M | 726M | 248M | 222M |
| ROIC | 0.2% | 15.5% | -3.2% | -1.7% | 16.9% | 14.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.76 | 1.00 | - | - | 1.43 |
| Dividends/Share | $0.00 | $0.00 | $0.00 | $0.06 | $6.16 | $0.00 |
| Operating Income | 11M | 11M | -177M | -15M | 136M | 195M |
| Operating Margin | 1.8% | - | - | - | - | - |
| ROE | 1.7% | 1.8% | -23.9% | -2.0% | 11.8% | -5.1% |
| Shares Outstanding | 256M | 256M | 255M | 254M | 251M | 251M |
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 658M | 593M | 610M | 571M | 601M | 601M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 195M | 136M | -15M | -177M | 11M | 11M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | 1.8% |
| Net Income | -44M | 95M | -15M | -153M | 11M | 11M |
| Net Margin | -6.7% | 16.1% | -2.4% | -26.7% | 1.8% | 1.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 14.1% | 16.9% | -1.7% | -3.2% | 15.5% | 0.2% |
| ROE | -5.1% | 11.8% | -2.0% | -23.9% | 1.8% | 1.7% |
| ROA | -1.2% | 2.7% | -0.4% | -3.7% | 0.2% | 0.2% |
| Cash Flow | ||||||
| Op. Cash Flow | 224M | 253M | 730M | 579M | 123M | 123M |
| Free Cash Flow | 222M | 248M | 726M | 576M | 118M | 118M |
| Owner Earnings | 224M | 253M | 730M | 579M | 123M | 123M |
| CapEx | 1.8M | 4.4M | 4.1M | 2.8M | 4.4M | 4.4M |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 4.4M |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 0.8% | 1.8% | 0.6% | 0.5% | 3.5% | 3.5% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 53M | 48M | 3.2M | 0 | 0 |
| Dividend Yield | N/A | 7.1% | 8.8% | 1.5% | N/A | N/A |
| Share Buybacks | 0 | 863K | 0 | 128K | 8.3M | 8.3M |
| Buyback Yield | 0.0% | 0.2% | 0.0% | 0.1% | 2.0% | 2.8% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | 256M | N/A | N/A | -718M | -575M | -1.1B |
| Cash & Equiv. | 987M | 573M | 928M | 1.3B | 1.1B | 1.1B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 1.43 | N/A | N/A | 1.00 | 0.76 | 0.00 |
| Interest Coverage | 2.7 | 1.9 | -0.1 | -1.0 | 0.1 | 0.1 |
| Equity | 868M | 747M | 710M | 564M | 643M | 643M |
| Total Assets | 3.7B | 3.3B | 4.0B | 4.3B | 5.2B | 5.2B |
| Total Liabilities | 2.9B | 2.5B | 3.3B | 3.8B | 4.6B | 4.6B |
| Intangibles | 72M | N/A | N/A | 79M | 86M | 86M |
| Retained Earnings | 24M | -2.5M | -63M | -227M | -248M | -248M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | -0.18 | 0.38 | -0.06 | -0.60 | 0.04 | 0.04 |
| Owner EPS | 0.89 | 1.01 | 2.87 | 2.27 | 0.48 | 0.48 |
| Book Value | 3.46 | 2.97 | 2.79 | 2.21 | 2.51 | 2.51 |
| Cash Flow/Share | 0.89 | -1.01 | 2.87 | 2.27 | 0.48 | 0.04 |
| Dividends/Share | 0.00 | 6.16 | 0.06 | 0.00 | 0.00 | 0.00 |
| Shares Out. | 250.8M | 251.3M | 254.3M | 255.5M | 256.3M | 256.3M |
| Valuation | ||||||
| P/E Ratio | -25.2 | 5.6 | -28.7 | -0.9 | 39.5 | 28.6 |
| P/FCF | 5.0 | 2.1 | 0.6 | 0.3 | 3.5 | 2.5 |
| EV/EBIT | 7.0 | N/A | N/A | N/A | -14.7 | -69.6 |
| Price/Book | 1.3 | 0.7 | 0.6 | 0.3 | 0.6 | 0.5 |
| Price/Sales | 1.7 | 0.9 | 0.7 | 0.3 | 0.7 | 0.5 |
| FCF Yield | 20.0% | 47.3% | 173.3% | 399.5% | 28.6% | 39.5% |
| Market Cap | 1.1B | 525M | 419M | 144M | 414M | 300M |
| Avg. Price | 3.99 | 2.94 | 2.15 | 0.84 | 1.19 | 1.17 |
| Year-End Price | 4.44 | 2.09 | 1.65 | 0.56 | 1.62 | 1.17 |
VANQUIS BANKING GROUP PLC ORD passes 3 of 9 quality checks, indicating weak fundamentals.
VANQUIS BANKING GROUP PLC ORD trades at 28.6x trailing earnings, compared to its 15-year median P/E of 22.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 2.5x vs a median of 2.1x. The company's 5-year average ROIC is 8.3%. Total shareholder yield (buybacks) is 2.8%. At current prices, the estimated annualized return to fair value is +13.5%.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a current P/E ratio of 28.6, compared to its historical median P/E of 22.5. The stock is currently considered Fair based on its historical valuation range.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a 5-year average return on invested capital (ROIC) of 8.3%. This is below average and may indicate limited pricing power.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a market capitalization of $300M. It is classified as a small-cap stock.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 2.77%.
Based on historical P/E analysis, VANQUIS BANKING GROUP PLC ORD (VANQ-L) appears fair. The current P/E of 28.6 is 27% above its historical median of 22.5. The estimated fair value CAGR (P/E method) is -18.2%.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) operates in the Financial - Credit Services industry, within the Financial Services sector.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) reported annual revenue of $601 million in its most recent fiscal year, based on SEC EDGAR filings.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a net profit margin of 1.8%. This is a modest margin.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) generated $118 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a debt-to-equity ratio of 0.76. This indicates moderate leverage.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) reported earnings per share (EPS) of $0.04 in its most recent fiscal year.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a return on equity (ROE) of 1.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for VANQUIS BANKING GROUP PLC ORD (VANQ-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
VANQUIS BANKING GROUP PLC ORD (VANQ-L) has a book value per share of $2.51, based on its most recent annual SEC filing.
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