Vanquis Banking Group PLC

Vanquis Banking Group PLC

FinancialsFinance and Credit Services
  • Price (GBX)218.50
  • Today's Change1.50 / 0.69%
  • Shares traded201.61k
  • 1 Year change-11.54%
  • Beta1.6671
Data delayed at least 20 minutes, as of Jun 01 2023 16:35 BST.
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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
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Peer analysis

Key Information
CompanyRevenue (TTM)Net income (TTM)Market capEmployeesPrice/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)
(YOY change %)
(5 yr growth rate)
Net income
(YOY change %)
Net income
(5 yr growth rate)
Capital expenditure
(5 yr growth rate)
(5 yr growth rate)
Bango plc22.75m-1.71m158.89m187.00--6.2952.086.99-0.0224-0.02240.29860.32890.5013--1.96121,638.60-3.77-4.14-5.70-5.2290.6293.36-7.51-8.74--5.420.0775--37.6139.74-584.16--34.41--
H&T Group Plc173.94m14.91m181.10m1.04k11.201.107.481.040.36890.36894.333.740.91234.121.97166,769.907.827.118.437.7124.3724.058.578.408.4413.130.176138.0142.586.88146.729.4551.407.39
Equals Group PLC69.68m3.24m182.70m268.0059.614.2316.962.620.01690.01690.37150.23741.07156.647.52260,007.505.46-2.757.61-3.4948.3057.105.10-4.211.4611.200.0891--58.0435.14233.5448.5780.63--
Funding Circle Holdings PLC158.20m-6.90m196.55m804.00--0.692119.461.24-0.0225-0.02250.43330.7860.3331--7.62---1.45-6.12-1.97-11.3797.03---4.36-22.34----0.1888---36.1610.85-111.27--2.98--
International Personal Finance Plc645.50m56.80m250.92m6.13k4.610.562.980.38870.24280.24282.762.000.5948--1.06105,301.805.233.076.323.7089.7091.798.805.03--49.380.561641.8917.64-4.8135.564.77-0.979-5.80
Paypoint plc150.33m36.38m273.94m670.007.222.945.941.820.52260.52262.161.280.6622148.592.00224,373.1016.0314.5937.5160.6765.5055.5724.2021.710.812622.890.3287103.6513.62-7.29148.31-7.89-9.13-20.47
S&U PLC102.71m33.72m302.55m224.008.971.358.842.952.782.788.4518.510.2719--61.51458,544.708.939.279.129.4876.9579.3632.8332.02--6.530.466446.8516.875.18-11.236.67-5.174.84
Boku Inc50.91m3.43m425.84m305.00127.564.7953.548.360.01120.07580.16450.29880.2578--0.7387--1.74-0.75824.00-1.9697.2293.896.74-2.50--2.030.0309--2.7121.17-63.49--75.55--
CMC Markets Plc308.67m73.08m501.99m895.007.111.345.781.630.25220.25221.071.340.5374--1.01344,884.9012.7218.3619.0026.9696.9698.2923.6731.12--37.410.036251.04-31.1911.89-59.5812.9545.516.75
Vanquis Banking Group PLC533.90m82.30m554.72m2.39k6.740.91335.021.040.32410.30462.102.390.1984--15.39223,482.603.
WAG Payment Solutions PLC2.03bn14.29m666.71m1.00k46.722.4816.140.32770.02070.02072.950.38952.76145.9010.222,034,707.002.06--3.80--8.06--0.7472--1.237.800.3309--43.87--81.79------
Paragon Banking Group PLC567.50m313.60m1.11bn1.50k3.850.81873.471.951.,578.201.971.135.262.2080.0970.7955.2632.81----0.911432.3323.945.7490.6421.762.9012.74
Nationwide Building Society8.83bn1.66bn1.22bn13.42k----0.55990.231----------------0.61150.3588--------31.3924.75--------95.5912.8732.9117.44----
Data as of Jun 01 2023. Currency figures normalised to Vanquis Banking Group PLC's reporting currency: UK Pound GBX

Institutional shareholders

74.61%Per cent of shares held by top holders
HolderShares% Held
Schroder Investment Management Ltd.as of 14 Mar 202338.07m15.00%
Invesco Asset Management Ltd.as of 26 May 202031.89m12.56%
Redwood Capital Management LLCas of 14 Mar 202330.97m12.20%
Davidson Kempner Capital Management LPas of 14 Mar 202322.92m9.03%
BlackRock Investment Management (UK) Ltd.as of 14 Mar 202314.15m5.57%
Aberforth Partners LLPas of 02 Nov 202211.87m4.68%
Marathon Asset Management Ltd.as of 14 Mar 202311.68m4.60%
Artemis Investment Management LLPas of 14 Mar 20239.88m3.89%
Premier Fund Managers Ltd.as of 14 Mar 20239.65m3.80%
The Vanguard Group, Inc.as of 14 Mar 20238.33m3.28%
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Data from 31 Mar 2023 - 30 Apr 2023Source: FactSet Research Systems Inc.
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