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About the company
Vanquis Banking Group plc, formerly Provident Financial plc, is a specialist bank, focused on the mid cost credit market. The Company is made up of two core brands: Vanquis, which offers credit cards and loans, and Moneybarn, its vehicle finance division. The Company lends to customers through Vanquis (credit cards and loans) and Moneybarn (Vehicle Finance), which are delivered online. Its Vanquis customer brand offers a range of credit card products, unsecured personal loans and savings products. The Moneybarn customer brand offers secured vehicle finance on a range of asset classes, including cars, motorbikes and light commercial vehicles. It promotes financial inclusion by bringing credit cards to people who are declined by credit card providers, offering a range of card products across a range of price points to reflect consumers varied risk profiles. The Company offers customers personal loans up to 49.9% from the Vanquis Loans brand.
- Revenue in GBP (TTM)533.90m
- Net income in GBP82.30m
- Incorporated1960
- Employees2.39k
- LocationVanquis Banking Group PLCNo. 1 Godwin StreetBRADFORD BD1 2SUUnited KingdomGBR
- Phone+44 127 435 1351
- Fax+44 127 473 0606
- Websitehttps://www.vanquisbankinggroup.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bango plc | 22.75m | -1.71m | 158.89m | 187.00 | -- | 6.29 | 52.08 | 6.99 | -0.0224 | -0.0224 | 0.2986 | 0.3289 | 0.5013 | -- | 1.96 | 121,638.60 | -3.77 | -4.14 | -5.70 | -5.22 | 90.62 | 93.36 | -7.51 | -8.74 | -- | 5.42 | 0.0775 | -- | 37.61 | 39.74 | -584.16 | -- | 34.41 | -- |
| H&T Group Plc | 173.94m | 14.91m | 181.10m | 1.04k | 11.20 | 1.10 | 7.48 | 1.04 | 0.3689 | 0.3689 | 4.33 | 3.74 | 0.9123 | 4.12 | 1.97 | 166,769.90 | 7.82 | 7.11 | 8.43 | 7.71 | 24.37 | 24.05 | 8.57 | 8.40 | 8.44 | 13.13 | 0.1761 | 38.01 | 42.58 | 6.88 | 146.72 | 9.45 | 51.40 | 7.39 |
| Equals Group PLC | 69.68m | 3.24m | 182.70m | 268.00 | 59.61 | 4.23 | 16.96 | 2.62 | 0.0169 | 0.0169 | 0.3715 | 0.2374 | 1.07 | 156.64 | 7.52 | 260,007.50 | 5.46 | -2.75 | 7.61 | -3.49 | 48.30 | 57.10 | 5.10 | -4.21 | 1.46 | 11.20 | 0.0891 | -- | 58.04 | 35.14 | 233.54 | 48.57 | 80.63 | -- |
| Funding Circle Holdings PLC | 158.20m | -6.90m | 196.55m | 804.00 | -- | 0.6921 | 19.46 | 1.24 | -0.0225 | -0.0225 | 0.4333 | 0.786 | 0.3331 | -- | 7.62 | -- | -1.45 | -6.12 | -1.97 | -11.37 | 97.03 | -- | -4.36 | -22.34 | -- | -- | 0.1888 | -- | -36.16 | 10.85 | -111.27 | -- | 2.98 | -- |
| International Personal Finance Plc | 645.50m | 56.80m | 250.92m | 6.13k | 4.61 | 0.56 | 2.98 | 0.3887 | 0.2428 | 0.2428 | 2.76 | 2.00 | 0.5948 | -- | 1.06 | 105,301.80 | 5.23 | 3.07 | 6.32 | 3.70 | 89.70 | 91.79 | 8.80 | 5.03 | -- | 49.38 | 0.5616 | 41.89 | 17.64 | -4.81 | 35.56 | 4.77 | -0.979 | -5.80 |
| Paypoint plc | 150.33m | 36.38m | 273.94m | 670.00 | 7.22 | 2.94 | 5.94 | 1.82 | 0.5226 | 0.5226 | 2.16 | 1.28 | 0.6622 | 148.59 | 2.00 | 224,373.10 | 16.03 | 14.59 | 37.51 | 60.67 | 65.50 | 55.57 | 24.20 | 21.71 | 0.8126 | 22.89 | 0.3287 | 103.65 | 13.62 | -7.29 | 148.31 | -7.89 | -9.13 | -20.47 |
| S&U PLC | 102.71m | 33.72m | 302.55m | 224.00 | 8.97 | 1.35 | 8.84 | 2.95 | 2.78 | 2.78 | 8.45 | 18.51 | 0.2719 | -- | 61.51 | 458,544.70 | 8.93 | 9.27 | 9.12 | 9.48 | 76.95 | 79.36 | 32.83 | 32.02 | -- | 6.53 | 0.4664 | 46.85 | 16.87 | 5.18 | -11.23 | 6.67 | -5.17 | 4.84 |
| Boku Inc | 50.91m | 3.43m | 425.84m | 305.00 | 127.56 | 4.79 | 53.54 | 8.36 | 0.0112 | 0.0758 | 0.1645 | 0.2988 | 0.2578 | -- | 0.7387 | -- | 1.74 | -0.7582 | 4.00 | -1.96 | 97.22 | 93.89 | 6.74 | -2.50 | -- | 2.03 | 0.0309 | -- | 2.71 | 21.17 | -63.49 | -- | 75.55 | -- |
| CMC Markets Plc | 308.67m | 73.08m | 501.99m | 895.00 | 7.11 | 1.34 | 5.78 | 1.63 | 0.2522 | 0.2522 | 1.07 | 1.34 | 0.5374 | -- | 1.01 | 344,884.90 | 12.72 | 18.36 | 19.00 | 26.96 | 96.96 | 98.29 | 23.67 | 31.12 | -- | 37.41 | 0.0362 | 51.04 | -31.19 | 11.89 | -59.58 | 12.95 | 45.51 | 6.75 |
| Vanquis Banking Group PLC | 533.90m | 82.30m | 554.72m | 2.39k | 6.74 | 0.9133 | 5.02 | 1.04 | 0.3241 | 0.3046 | 2.10 | 2.39 | 0.1984 | -- | 15.39 | 223,482.60 | 3.06 | 2.22 | 3.18 | 2.41 | 49.62 | -- | 15.41 | 8.53 | -- | 3.04 | 0.7622 | 36.23 | -0.1309 | -14.90 | -38.86 | -- | 0.0611 | -- |
| WAG Payment Solutions PLC | 2.03bn | 14.29m | 666.71m | 1.00k | 46.72 | 2.48 | 16.14 | 0.3277 | 0.0207 | 0.0207 | 2.95 | 0.3895 | 2.76 | 145.90 | 10.22 | 2,034,707.00 | 2.06 | -- | 3.80 | -- | 8.06 | -- | 0.7472 | -- | 1.23 | 7.80 | 0.3309 | -- | 43.87 | -- | 81.79 | -- | -- | -- |
| Paragon Banking Group PLC | 567.50m | 313.60m | 1.11bn | 1.50k | 3.85 | 0.8187 | 3.47 | 1.95 | 1.27 | 1.27 | 2.28 | 5.96 | 0.0357 | -- | 9.97 | 377,578.20 | 1.97 | 1.13 | 5.26 | 2.20 | 80.09 | 70.79 | 55.26 | 32.81 | -- | -- | 0.9114 | 32.33 | 23.94 | 5.74 | 90.64 | 21.76 | 2.90 | 12.74 |
| Nationwide Building Society | 8.83bn | 1.66bn | 1.22bn | 13.42k | -- | -- | 0.5599 | 0.231 | -- | -- | -- | -- | -- | -- | -- | -- | 0.6115 | 0.3588 | -- | -- | -- | -- | 31.39 | 24.75 | -- | -- | -- | -- | 95.59 | 12.87 | 32.91 | 17.44 | -- | -- |
Data as of Jun 01 2023. Currency figures normalised to Vanquis Banking Group PLC's reporting currency: UK Pound GBX
74.61%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Schroder Investment Management Ltd.as of 14 Mar 2023 | 38.07m | 15.00% |
| Invesco Asset Management Ltd.as of 26 May 2020 | 31.89m | 12.56% |
| Redwood Capital Management LLCas of 14 Mar 2023 | 30.97m | 12.20% |
| Davidson Kempner Capital Management LPas of 14 Mar 2023 | 22.92m | 9.03% |
| BlackRock Investment Management (UK) Ltd.as of 14 Mar 2023 | 14.15m | 5.57% |
| Aberforth Partners LLPas of 02 Nov 2022 | 11.87m | 4.68% |
| Marathon Asset Management Ltd.as of 14 Mar 2023 | 11.68m | 4.60% |
| Artemis Investment Management LLPas of 14 Mar 2023 | 9.88m | 3.89% |
| Premier Fund Managers Ltd.as of 14 Mar 2023 | 9.65m | 3.80% |
| The Vanguard Group, Inc.as of 14 Mar 2023 | 8.33m | 3.28% |
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Data from 31 Mar 2023 - 30 Apr 2023Source: FactSet Research Systems Inc.
