Vanquis Banking Group 20 (VANQ)

Sector:

Financials

Index:

FTSE Small Cap

60.50p
   
  • Change Today:
      2.30p
  • 52 Week High: 64.80
  • 52 Week Low: 37.90
  • Currency: UK Pounds
  • Shares Issued: 256.48m
  • Volume: 445,033
  • Market Cap: £155.17m

Dividend Data

  31-Dec-2431-Dec-2331-Dec-2231-Dec-2131-Dec-20
Total Dividendn/a6.00p15.30p12.00p9.00p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 458.50 488.80 480.70 478.70 615.40
Operating Profit/(Loss) (136.30) (12.00) 110.10 142.20 22.90
Net Interest n/a n/a n/a n/a (59.90)
Profit Before Tax (136.30) (12.00) 110.10 142.20 (37.00)
Profit After Tax (119.30) (11.70) 82.30 134.60 (37.00)
Discontinued Operations          
Profit After Tax n/a n/a (4.90) (166.70) (46.40)
PROFIT FOR THE PERIOD (119.30) (11.70) 77.40 (32.10) (83.40)
Attributable to:          
Equity Holders of Parent Company (119.30) (11.70) 77.40 (32.10) (83.40)
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic (46.70p) (4.60p) 30.80p (12.80p) (32.90p)
Earnings per Share - Diluted (46.70p) (4.60p) 30.50p (12.80p) (32.90p)
Earnings per Share - Adjusted (9.70p) 4.50p 38.70p 57.50p 11.70p
Continuing and Discontinued EPS          
Earnings per Share - Basic (46.70p) (4.60p) 30.80p (12.80p) (32.90p)
Earnings per Share - Diluted (46.70p) (4.60p) 30.50p (12.80p) (32.90p)
Earnings per Share - Adjusted (9.70p) 4.50p 38.70p 57.50p 11.70p
           
Dividend per Share n/a 6.00p 15.30p 12.00p n/a
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Non-Current Assets          
Property, Plant & Equipment 23.50 31.30 40.70 56.30 73.50
Intangible Assets 62.70 146.80 134.50 123.50 116.50
Investment Properties n/a n/a n/a n/a n/a
Investments 2.30 5.40 n/a n/a n/a
Other Financial Assets n/a 1.30 n/a n/a n/a
Other Non-Current Assets 52.80 46.60 n/a n/a n/a
  141.30 231.40 175.20 179.80 190.00
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 2,226.20 2,211.70 1,956.00 1,696.50 1,835.50
Cash at Bank & in Hand 1,003.90 743.90 464.90 717.70 919.70
Current Asset Investments n/a n/a n/a n/a n/a
Other Current Assets n/a n/a n/a n/a n/a
  3,230.10 2,955.60 2,420.90 2,414.20 2,755.20
           
Other Assets 3.90 8.30 67.20 131.30 132.90
Total Assets 3,375.30 3,194.70 2,663.30 2,725.30 3,078.10
           
Liabilities          
Current Liabilities          
Borrowings n/a n/a n/a n/a n/a
Other Current Liabilities 46.10 44.10 n/a 3.80 0.60
  46.10 44.10 n/a 3.80 0.60
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 442.50 623.40 864.70 904.10 589.40
Provisions 15.50 5.80 5.20 72.10 91.00
Other Non-Current Liabilities n/a n/a n/a n/a n/a
  458.00 629.20 869.90 976.20 680.40
           
Other Liabilities 2,430.00 1,952.30 1,178.70 1,114.10 1,749.40
Total Liabilities 2,934.10 2,625.60 2,048.60 2,094.10 2,430.40
           
Net Assets 441.20 569.10 614.70 631.20 647.70
           
Capital & Reserves          
Share Capital 53.20 53.20 52.60 52.60 52.60
Share Premium Account 276.30 276.30 273.50 273.30 273.20
Other Reserves 289.00 290.30 290.60 288.00 292.80
Retained Earnings (177.30) (50.70) (2.00) 17.30 29.10
Shareholders Funds 441.20 569.10 614.70 631.20 647.70
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 441.20 569.10 614.70 631.20 647.70
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities 440.20 584.70 (204.90) 163.10 363.90
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 2.10 (18.80) (32.80) (22.30) (21.50)
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 (181.30) (288.00) (12.50) (345.00) 225.10
Net Increase/Decrease In Cash 261.00 277.90 (250.20) (204.20) 567.50
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted n/a 28.7 4.9 6.2 26.2
PEG - Adjusted n/a n/a n/a 0.0 n/a
Earnings per Share Growth - Adjusted n/a -88% -33% 392% -74%
Dividend Cover n/a 0.75 2.53 4.79 n/a
Revenue per Share 179.45p 193.20p 191.59p 1.93p 242.67p
Pre-Tax Profit per Share (53.35p) (4.74p) 43.88p 0.57p (14.59p)
Operating Margin (29.73%) (2.45%) 22.90% 29.71% 3.72%
Return on Capital Employed n/a n/a 8.15% 0.10% 1.89%
Continuing & Discontinued Operations          
PE Ratio - Adjusted n/a 28.7 4.9 618.9 26.2
PEG - Adjusted n/a n/a 0.0 n/a n/a
Earnings per Share Growth - Adjusted n/a -88% 6,568% -95% -74%
Dividend Cover n/a 0.75 2.53 0.05 n/a
           
Dividend Yield 0.0% 4.6% 8.0% 3.3% 0.0%
Dividend per Share Growth n/a (60.78%) 27.50% n/a n/a
Operating Cash Flow per Share 172.29p 231.11p (81.67p) 65.06p 143.49p
Cash Incr/Decr per Share 102.15p 109.84p (99.72p) (0.82p) 223.78p
Net Asset Value per Share (exc. Intangibles) 148.14p 166.92p 191.39p 202.51p 209.46p
Net Gearing n/a -21.17% 65.04% 29.53% -51.00%

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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