# Vanquis Banking Group plc (VANQ.L) fundamentals

Data as of 2026-11-04. LSE, United Kingdom. Sector: Financial Services / Consumer Lending. Price 46p, market value 114 millionp.

## Valuation
- **P/E (trailing): 15.2×** (5-yr avg 3858.1×, 3-yr avg 3858.1×). Vanquis Banking Group plc trades at 15.2× trailing earnings, well below its own five-year average of 3858.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 3.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.03**. A PEG of 0.03 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.2×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 65.3%** (5-yr avg 0.2%). Free cash flow equals 65.3% of the market value, above its five-year average of 0.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.6%**. The inverse of the P/E: 6.6% of the price is earned each year.

## Profitability
- **Net margin: 1.8%**. 1.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 1.7%**. 1.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.2%**. Each dollar of assets produces 0.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 1.9%** (3-yr -1.8%/yr). Revenue grew 1.9% over the last year.
- **EPS growth (1 yr): 106.6%** (3-yr -53.3%/yr). Earnings per share rose 106.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: 805 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Vanquis Banking Group plc does not currently pay a dividend, but it returned 5.5% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): -60.5%** (YTD -62.4%, 3-mo -44.4%). The shares are down 60.5% over twelve months including dividends.
- **From 52-week high: -65.5%** (10.4% above the low). Trading 65% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 20**. An RSI of 20 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 0.67** (volatility 56%). Beta of 0.67 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=VANQ.L · Page: https://foliofundamentals.com/stocks/vanq.l

Not investment advice.