Vanquis Banking Group 20 (VANQ)

Sector:

Financials

Index:

FTSE Small Cap

 99.00p
   
  • Change Today:
      0.000p
  • 52 Week High: 100.60
  • 52 Week Low: 37.90
  • Currency: UK Pounds
  • Shares Issued: 256.48m
  • Volume: 0
  • Market Cap: £253.92m

Key Financials

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Growth Metrics 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Annualisation Factor 1.0 1.0 1.0 n/a 1.0
Dividend Yield 0.0% 4.6% 8.0% 3.3% 0.0%
           
Continuing Operations          
PE Ratio - Adjusted n/a 28.7 4.9 6.2 26.2
PE Ratio - Diluted n/a
n/a		 n/a
29.5		 6.3
4.9		 n/a
6.1		 n/a
n/a
PEG - Adjusted n/a n/a n/a 0.0 n/a
PEG - Diluted n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Return on Capital Employed n/a
n/a		 n/a
1.07%		 8.15%
9.38%		 0.10%
0.11%		 1.89%
1.95%
Operating Margin (29.73%)
(24.65%)		 (2.45%)
2.29%		 22.90%
26.34%		 29.71%
32.67%		 3.72%
3.83%
           
Continuing & Discontinued Operations          
PE Ratio - Adjusted n/a 28.7 4.9 618.9 26.2
PE Ratio - Diluted n/a
n/a		 n/a
29.5		 6.3
5.2		 n/a
n/a		 n/a
n/a
PEG - Adjusted n/a n/a 0.0 n/a n/a
PEG - Diluted n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Gearing n/a (21.17%) 65.04% 29.53% (51.00%)

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Value Metrics 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Price/Book Value 0.3 0.8 1.0 1.8 1.5
Price/Tangible Book Value 0.3 0.8 1.0 1.8 1.5
Price/ Cash Flow 0.3 0.6 (2.3) 5.5 2.1
Price/Revenue 0.25 0.67 1.00 186.36 1.27
Price/R&D n/a n/a n/a n/a n/a
Net Asset Value per Share (exc. Intangibles) 148.14p 166.92p 191.39p 202.51p 209.46p
Net Cash per Share n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Annualised Fundamentals 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 458.50 488.80 480.70 4.83 615.40
EBITDA (136.30)
(113.00)		 (12.00)
11.20		 122.20
131.20		 1.70
1.84		 48.80
49.50
Depreciation n/a
n/a		 n/a
n/a		 (12.10)
(4.60)		 (0.26)
(0.26)		 (25.90)
(25.90)
Net Interest n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 (59.90)
(59.90)
Profit Before Tax (136.30)
(113.00)		 (12.00)
11.20		 110.10
126.60		 1.44
1.58		 (37.00)
(36.30)
           
Revenue per Share 179.45p 193.20p 191.59p 1.93p 242.67p
Pre-Tax Profit per Share (53.35p)
(44.23p)		 (4.74p)
4.43p		 43.88p
50.46p		 0.57p
0.63p		 (14.59p)
(14.31p)
Market Capitalisation £ (Millions) 114.14 331.40 485.27 911.29 778.55
Enterprise Value (EV) £ (Millions) 556.64 954.80 1,349.97 1,815.39 1,367.95
EBITDA/EV (24.49%)
(20.30%)		 (1.26%)
1.17%		 9.05%
9.72%		 0.09%
0.10%		 3.57%
3.62%
Operating Margin (29.73%)
(24.65%)		 (2.45%)
2.29%		 22.90%
26.34%		 29.71%
32.67%		 3.72%
3.83%
Capital Employed £ (Millions) 836.50 1,051.50 1,350.10 1,483.90 1,211.60
Return on Capital Employed n/a
n/a		 n/a
1.07%		 8.15%
9.38%		 0.10%
0.11%		 1.89%
1.95%
Invested Equity Capital £ (Millions) 456.70 574.90 619.90 703.30 738.70
           
Earnings per Share - Basic (46.70p)
(37.57p)		 (4.60p)
4.54p		 30.80p
39.38p		 (12.80p)
59.35p		 (32.90p)
(18.38p)
Earnings per Share - Diluted (46.70p)
(37.57p)		 (4.60p)
4.38p		 30.50p
38.94p		 (12.80p)
59.05p		 (32.90p)
(18.38p)
Earnings per Share - Adjusted (9.70)p 4.50p 38.70p 57.50p 11.70p
Earnings per Share Growth - Basic n/a
n/a		 n/a
-88%		 n/a
-34%		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Diluted n/a
n/a		 n/a
-89%		 n/a
-34%		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Adjusted n/a -88% -33% 392% -74%
PE Ratio - Diluted n/a
n/a		 n/a
29.5		 6.3
4.9		 n/a
6.1		 n/a
n/a
PEG - Diluted n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Tax Rate 12.47% 2.50% 25.25% 5.34% n/a
Dividend Cover n/a
n/a		 0.75
0.76		 2.53
2.57		 4.79
4.95		 n/a
n/a
Interest Cover n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 0.38
0.39
           
Continuing & Discontinued Operations          
Earnings per Share - Basic (46.70p)
(37.57p)		 (4.60p)
4.54p		 30.80p
37.42p		 (0.13p)
(0.072p)		 (32.90p)
(36.04p)
Earnings per Share - Diluted (46.70p)
(37.57p)		 (4.60p)
4.38p		 30.50p
37.01p		 (0.13p)
(0.072p)		 (32.90p)
(36.04p)
Earnings per Share - Adjusted (9.70p) 4.50p 38.70p 0.58p 11.70p
Earnings per Share Growth - Basic n/a
n/a		 n/a
-88%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Diluted n/a
n/a		 n/a
-88%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Adjusted n/a -88% 6,568% -95% -74%
PE Ratio - Diluted n/a
n/a		 n/a
29.5		 6.3
5.2		 n/a
n/a		 n/a
n/a
PEG - Diluted n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Dividend Cover n/a
n/a		 0.75
0.76		 2.53
2.45		 0.05
(0.01)		 n/a
n/a
Return on Equity (ROE) (26.12%)
(21.02%)		 (2.04%)
2.00%		 12.49%
15.15%		 (0.05%)
(0.03%)		 (11.29%)
(12.37%)
Operating Cash Flow per Share 172.29p 231.11p (81.67p) 65.06p 143.49p
Gross Cash Flow per Share cn/a cn/a cn/a cn/a cn/a
Cash Incr/Decr per Share 102.15p 109.84p (99.72p) (0.82p) 223.78p
Capital Expenditure per Share n/a n/a n/a n/a n/a
Dividend per Share n/a 6.00p 15.30p 12.00p n/a
Dividend per Share Growth n/a (60.78%) 27.50% n/a n/a
Dividend Yield 0.0% 4.6% 8.0% 3.3% 0.0%
Shareholders Funds 441.20 569.10 614.70 631.20 647.70
Net Borrowings £ (Millions) (561.40) (120.50) 399.80 186.40 (330.30)
Net Asset Value per Share (inc. Intangibles) 148.14p 166.92p 191.39p 202.51p 209.46p

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing - inc Intangibles 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Shareholders' Funds inc Intangibles 441.20 569.10 614.70 631.20 647.70
Net Borrowings £ (Millions) (561.40) (120.50) 399.80 186.40 (330.30)
Net Gearing n/a (21.17%) 65.04% 29.53% (51.00%)
Cash & Near Cash 1,003.90 743.90 464.90 717.70 919.70
Cash 227.54% 130.72% 75.63% 113.70% 141.99%
Gross Borrowings 442.50 623.40 864.70 904.10 589.40
Gross Gearing 100.29% 109.54% 140.67% 143.24% 91.00%
Borrowings Under 5 years 442.50 623.40 864.70 904.10 589.40
Under 5 years 100.29% 109.54% 140.67% 143.24% 91.00%
Borrowings Under 1 year n/a n/a n/a n/a n/a
Under 1 year n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing - exc Intangibles 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Shareholders' Funds exc Intangibles 378.50 422.30 480.20 507.70 531.20
Net Borrowings £ (Millions) (561.40) (120.50) 399.80 186.40 (330.30)
Net Gearing n/a (28.53%) 83.26% 36.71% (62.18%)
Cash & Near Cash 1,003.90 743.90 464.90 717.70 919.70
Cash 265.23% 176.15% 96.81% 141.36% 173.14%
Gross Borrowings 442.50 623.40 864.70 904.10 589.40
Gross Gearing 116.91% 147.62% 180.07% 178.08% 110.96%
Borrowings Under 5 years 442.50 623.40 864.70 904.10 589.40
Under 5 years 116.91% 147.62% 180.07% 178.08% 110.96%
Borrowings Under 1 year n/a n/a n/a n/a n/a
Under 1 year n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Cover 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Quick Ratio n/a n/a n/a n/a n/a
Current Ratio n/a n/a n/a 635.32 4,592.00

Key

* GAAP

a. Includes discontinued activities

b. Based on operating cash flow before tax

c. Not disclosed under IFRS

d. Includes non-current assets

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 3: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 4: Normalised ratios are shown in blue text

Note 5: Forecast figures based on normalised accounts.

 

Top of Page