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Vanquis Banking Accounts Summary
| Date of Accounts | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Standard | IFRS | IFRS | IFRS | IFRS | IFRS |
| Millions | Millions | Millions | Millions | Millions | |
| Income Statement | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
| Revenue | 456.70 | 446.20 | 488.80 | 480.70 | 478.70 |
| Operating Profit / Loss | 8.30 | -138.00 | -12.00 | 110.10 | 142.20 |
| Net Interest | n/a | n/a | n/a | n/a | n/a |
| Pre Tax Profit | 8.30 | -138.00 | -12.00 | 110.10 | 142.20 |
| Post Tax Profit | 8.00 | -120.60 | -11.70 | 82.30 | 134.60 |
| Profit for the Period | 8.70 | -119.30 | -11.70 | 77.40 | -32.10 |
| Equity Holders of Parent Company | 8.20 | -119.30 | -11.70 | 77.40 | -32.10 |
| Minority Interests | 0.50 | n/a | n/a | n/a | n/a |
| Continuing EPS | |||||
| Earnings per Share (Basic) | 3.20p | -46.70p | -4.60p | 30.80p | -12.80p |
| Earnings per Share (Diluted) | 3.10p | -46.70p | -4.60p | 30.50p | -12.80p |
| Earnings per Share (Adjusted) | 5.00p | -9.70p | 4.50p | 38.70p | 57.50p |
| Continuing and Discontinued EPS | |||||
| Earnings per Share (Basic) | 3.20p | -46.70p | -4.60p | 30.80p | -12.80p |
| Earnings per Share (Diluted) | 3.10p | -46.70p | -4.60p | 30.50p | -12.80p |
| Earnings per Share (Adjusted) | 5.00p | -9.70p | 4.50p | 38.70p | 57.50p |
| Dividend per Share | n/ap | n/ap | 6.00p | 15.30p | 12.00p |
| Millions | Millions | Millions | Millions | Millions | |
| Balance Sheet | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
| Non-Current Assets | |||||
| Intangible Assets | 66.20 | 62.70 | 146.80 | 134.50 | 123.50 |
| Property, Plant and Equipment | 20.10 | 23.50 | 31.30 | 40.70 | 56.30 |
| Investments | 257.00 | 2.30 | 5.40 | n/a | n/a |
| Investment Properties | n/a | n/a | n/a | n/a | n/a |
| Other Financial Assets | 3.90 | -172.40 | 1.30 | n/a | n/a |
| Other Non-Current Assets | n/a | n/a | 46.60 | n/a | n/a |
| Total Non-Current Assets | 347.20 | -83.90 | 231.40 | 175.20 | 179.80 |
| Current Assets | |||||
| Inventories | n/a | n/a | n/a | n/a | n/a |
| Trade and Other Receivables | 2,752.70 | 2,226.20 | 2,211.70 | 1,956.00 | 1,696.50 |
| Cash at Bank and in Hand | 804.50 | 1,003.90 | 743.90 | 464.90 | 717.70 |
| Current Asset Investments | n/a | n/a | n/a | n/a | n/a |
| Other Current Assets | n/a | n/a | n/a | n/a | n/a |
| Total Current Assets | 3,557.20 | 3,230.10 | 2,955.60 | 2,420.90 | 2,414.20 |
| Other Assets | 37.30 | 229.10 | 8.30 | 67.20 | 131.30 |
| Total Assets | 3,941.70 | 3,375.30 | 3,194.70 | 2,663.30 | 2,725.30 |
| Current Liabilities | |||||
| Borrowings | n/a | n/a | n/a | n/a | n/a |
| Other Current Liabilities | n/a | n/a | 44.10 | n/a | 3.80 |
| Total Current Liabilities | n/a | n/a | 44.10 | n/a | 3.80 |
| Net Current Assets | n/a | n/a | n/a | n/a | n/a |
| Non-Current Liabilities | |||||
| Borrowings | 368.70 | 442.50 | 623.40 | 864.70 | 904.10 |
| Provisions | 7.90 | 15.50 | 5.80 | 5.20 | 72.10 |
| Other Non-Current Liabilities | n/a | n/a | n/a | n/a | n/a |
| Total Non-Current Liabilities | 376.60 | 458.00 | 629.20 | 869.90 | 976.20 |
| Net Assets | 487.30 | 441.20 | 569.10 | 614.70 | 631.20 |
| Capital and Reserves | |||||
| Share Capital | 53.20 | 53.20 | 53.20 | 52.60 | 52.60 |
| Share Premium Account | 276.30 | 276.30 | 276.30 | 273.50 | 273.30 |
| Other Reserves | 346.00 | 289.00 | 290.30 | 290.60 | 288.00 |
| Retained Earnings | -188.20 | -177.30 | -50.70 | -2.00 | 17.30 |
| Shareholders Funds | 487.30 | 441.20 | 569.10 | 614.70 | 631.20 |
| Minority Interests / Other Equity | n/a | n/a | n/a | n/a | n/a |
| Total Equity | 487.30 | 441.20 | 569.10 | 614.70 | 631.20 |
| 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 | |
| Operating Margin | 1.82% | -30.93% | -2.45% | 22.90% | 29.71% |
| Return on Capital Employed | 1.04% | -16.50% | -1.14% | 8.15% | 9.58% |
| Dividend Cover | n/a | n/a | 0.75 | 2.53 | 4.79 |
| Dividend Yield | n/a | n/a | 4.60 | 8.00 | 3.30 |
| PE Ratio | 23.90 | n/a | 28.70 | 4.90 | 6.20 |
| PEG | n/a | n/a | n/a | n/a | 0.10 |
| Dividend per Share Growth | n/a% | n/a% | n/a% | 155.00% | -21.57% |
| Net Asset Value per Share | 164.18p | 147.57p | 164.64p | 187.22p | 197.94p |