Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Vanquis Banking Group plc is a public limited company and specialist bank focused on serving underserved customers in the UK mid-cost credit market. Founded in 1880 in Bradford as a voucher system for essentials and formally incorporated in 1960, it has evolved into a key player offering financial products to over 1.7 million borrowers and savers who may not qualify for traditional high street banking. The group comprises three main entities: Vanquis, providing credit cards with varied APRs and credit limits alongside savings options like fixed-rate accounts, cash ISAs, and easy-access savers; Moneybarn, a leading provider of responsible secured vehicle finance for cars, motorbikes, and light commercial vehicles; and Snoop, a free money management app for tracking spending, credit scores, bill-cutting, and savings growth. Headquartered at Fairburn House in Bradford, Vanquis Banking Group plc operates as a financial services holding company, emphasizing accessibility, responsible lending, and financial wellbeing for non-prime customers.
£1.17
£0.00 (-0.17%)
EOD Jul 3, 2026
Net margin is thin at 1.91%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue growth slowed to 1.9%, essentially flat. This is a business that needs a catalyst.
At 38x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
37.8x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£455M
▲ +1.9% YoY
Net Income (TTM)
£9M
▲ +107.3% YoY
Net Margin
1.91%
P/E
37.8x
Balance Sheet
Total Assets
£3.94B
Equity
£487M
Total Debt
£369M
Cash & Equiv.
£805M
3Y CAGR: -1.8%
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At a P/E of 37.8 and a price-to-free-cash-flow of 4.0, Vanquis Banking Group (VANQ.XLON) trades below a two-stage DCF intrinsic value of about £6.80 per share, so at £1.17 the stock looks undervalued (480.1% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Vanquis Banking Group scores 35/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £6.80 per share for VANQ.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £5.10. At today's £1.17, that puts the stock about 480.1% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Vanquis Banking Group scores 35 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. VANQ.XLON currently trades below its estimated intrinsic value and scores 35/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.