Vanquis Banking Group 20 (VANQ)

Sector:

Financials

Index:

FTSE Small Cap

54.00p
   
  • Change Today:
    -1.80p
  • 52 Week High: 240.00
  • 52 Week Low: 46.20
  • Currency: UK Pounds
  • Shares Issued: 256.48m
  • Volume: 1,316,661
  • Market Cap: £138.50m

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend5.00p5.00p12.00pn/a9.00p
Final Dividend1.00p10.30pn/an/an/a
Total Dividend6.00p15.30p12.00pn/a9.00p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 488.80 480.70 478.70 615.40 996.10
Operating Profit/(Loss) (4.40) 110.10 142.20 22.90 191.00
Net Interest n/a n/a n/a (59.90) (72.00)
Profit Before Tax (4.40) 110.10 142.20 (37.00) 119.00
Profit After Tax (6.00) 82.30 134.60 (37.00) 76.40
Discontinued Operations          
Profit After Tax n/a (4.90) (166.70) (46.40) n/a
PROFIT FOR THE PERIOD (6.00) 77.40 (32.10) (83.40) 76.40
Attributable to:          
Equity Holders of Parent Company (6.00) 77.40 (32.10) (83.40) 76.40
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic (2.40p) 30.80p (12.80p) (32.90p) 30.10p
Earnings per Share - Diluted (2.30p) 30.50p (12.80p) (32.90p) 29.90p
Earnings per Share - Adjusted 6.80p 38.70p 57.50p 11.70p 44.10p
Continuing and Discontinued EPS          
Earnings per Share - Basic (2.40p) 30.80p (12.80p) (32.90p) 30.10p
Earnings per Share - Diluted (2.30p) 30.50p (12.80p) (32.90p) 29.90p
Earnings per Share - Adjusted 6.80p 38.70p 57.50p 11.70p 44.10p
           
Dividend per Share 6.00p 15.30p 12.00p n/a 9.00p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Non-Current Assets          
Property, Plant & Equipment 31.30 40.70 56.30 73.50 86.40
Intangible Assets 146.80 134.50 123.50 116.50 115.30
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Other Non-Current Assets n/a n/a n/a n/a 103.00
  178.10 175.20 179.80 190.00 304.70
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 2,227.80 1,956.00 1,696.50 1,835.50 2,232.90
Cash at Bank & in Hand 743.30 464.90 717.70 919.70 353.60
Current Asset Investments n/a n/a n/a n/a 16.60
Other Current Assets 8.10 n/a n/a n/a n/a
  2,979.20 2,420.90 2,414.20 2,755.20 2,603.10
           
Other Assets 51.40 67.20 131.30 132.90 n/a
Total Assets 3,208.70 2,663.30 2,725.30 3,078.10 2,907.80
           
Liabilities          
Current Liabilities          
Borrowings n/a n/a n/a n/a n/a
Other Current Liabilities n/a n/a 3.80 0.60 32.90
  n/a n/a 3.80 0.60 32.90
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 623.40 864.70 904.10 589.40 696.60
Provisions 5.80 5.20 72.10 91.00 14.50
Other Non-Current Liabilities n/a n/a n/a n/a 1,434.50
  629.20 869.90 976.20 680.40 2,145.60
           
Other Liabilities 1,996.40 1,178.70 1,114.10 1,749.40 n/a
Total Liabilities 2,625.60 2,048.60 2,094.10 2,430.40 2,178.50
           
Net Assets 583.10 614.70 631.20 647.70 729.30
           
Capital & Reserves          
Share Capital 53.20 52.60 52.60 52.60 52.50
Share Premium Account 276.30 273.50 273.30 273.20 273.20
Other Reserves 290.30 290.60 288.00 292.80 295.90
Retained Earnings (36.70) (2.00) 17.30 29.10 107.70
Shareholders Funds 583.10 614.70 631.20 647.70 729.30
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 583.10 614.70 631.20 647.70 729.30
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities (230.50) (204.90) 163.10 363.90 100.30
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (18.80) (32.80) (22.30) (21.50) 24.40
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities 527.20 (12.50) (345.00) 225.10 (154.80)
Net Increase/Decrease In Cash 277.90 (250.20) (204.20) 567.50 (30.10)
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 19.0 4.9 6.2 26.2 10.4
PEG - Adjusted n/a n/a 0.0 n/a n/a
Earnings per Share Growth - Adjusted -82% -33% 392% -74% -9%
Dividend Cover 1.13 2.53 4.79 n/a 4.90
Revenue per Share 190.58p 191.59p 1.93p 242.67p 393.09p
Pre-Tax Profit per Share (1.72p) 43.88p 0.57p (14.59p) 46.96p
Operating Margin (0.90%) 22.90% 29.71% 3.72% 19.17%
Return on Capital Employed n/a 8.15% 0.10% 1.89% 14.41%
Continuing & Discontinued Operations          
PE Ratio - Adjusted 19.0 4.9 618.9 26.2 10.4
PEG - Adjusted n/a 0.0 n/a n/a n/a
Earnings per Share Growth - Adjusted -82% 6,568% -95% -74% -9%
Dividend Cover 1.13 2.53 0.05 n/a 4.90
           
Dividend Yield 4.6% 8.0% 3.3% 0.0% 2.0%
Dividend per Share Growth (60.78%) 27.50% n/a n/a (10.00%)
Operating Cash Flow per Share (89.87p) (81.67p) 65.06p 143.49p 39.58p
Cash Incr/Decr per Share 108.35p (99.72p) (0.82p) 223.78p (11.88p)
Net Asset Value per Share (exc. Intangibles) 170.11p 191.39p 202.51p 209.46p 242.31p
Net Gearing -20.56% 65.04% 29.53% -51.00% 47.03%

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

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: Forecast figures based on normalised accounts.

 

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