Vanquis Banking Group/£VANQ

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About Vanquis Banking Group

Vanquis Banking Group plc, trading under the ticker VANQ, is a specialist bank founded in 1880 and headquartered in the United Kingdom. The bank operates within the financial sector, providing a range of credit products and services tailored to cater to the needs of its customers, including credit cards, loans, and savings accounts. As a constituent of the FTSE All-Share Index, the company focuses on serving underbanked consumers across the UK, enhancing financial inclusivity through its subsidiaries, such as Vanquis, Moneybarn, and Snoop.

Ticker

£VANQ
Sector

Primary listing

LSE

Employees

1,269

VANQ Metrics

BasicAdvanced
£317M
-
-£0.31
1.39
-

What the Analysts think about VANQ

Analyst ratings (Buy, Hold, Sell) for Vanquis Banking Group stock.

Bulls say / Bears say

Vanquis returned to profit in both quarters of 1H25, reporting a statutory profit before tax of £6.2 m versus a £46.1 m loss in 1H24 and achieving a statutory ROTE of 3.1%, in line with guidance (LSE)
Gross customer interest-earning balances grew 7% to £2,459 m in 1H25, prompting management to raise its target for end-2025 balances to in excess of £2.6 bn (LSE)
Risk-adjusted income increased 7% to £143.6 m while the statutory cost:income ratio improved sharply to 62.5% from 79.3%, driven by transformation cost savings and lower complaint costs (LSE)
Net interest margin narrowed to 17.4% in 1H25 from 18.9% a year earlier, reflecting a shift into lower-yield second-charge mortgages and sustained funding cost pressures (LSE)
The Board chose not to declare a dividend for 1H25, deferring shareholder returns as capital is retained to fund growth initiatives and transformation savings (Investegate)
Vanquis disclosed a contingent liability related to a potential FCA motor finance compensation scheme following the Supreme Court’s Johnson judgment, creating regulatory outcome uncertainty (LSE)
Data summarised monthly by Lightyear AI. Last updated on 27 Sept 2025.

VANQ Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

VANQ Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.

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