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Vanquis Banking Group PLC
LSE:VANQ

Watchlist Manager
Vanquis Banking Group PLC Logo
Vanquis Banking Group PLC
LSE:VANQ
Watchlist
Price: 118.4 GBX 0.17% Market Closed
Market Cap: £303.7m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
+615%
5Y
-51%
10Y
+81%
Investing Cash Flow
+
3Y
-341%
5Y
-1 267%
10Y
+23%
Financing Cash Flow
+
3Y
-
5Y
-
10Y
-

Cash Flow Statement
Vanquis Banking Group PLC

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Cash Flow Statement
Currency: GBP
Dec-2000 Jun-2001 Dec-2001 Jun-2002 Dec-2002 Jun-2003 Dec-2003 Jun-2004 Dec-2004 Jun-2005 Dec-2005 Jun-2006 Dec-2006 Jun-2007 Dec-2007 Jun-2008 Dec-2008 Jun-2009 Dec-2009 Jun-2010 Dec-2010 Jun-2011 Dec-2011 Jun-2012 Dec-2012 Jun-2013 Dec-2013 Jun-2014 Dec-2014 Jun-2015 Dec-2015 Jun-2016 Dec-2016 Jun-2017 Dec-2017 Jun-2018 Dec-2018 Jun-2019 Dec-2019 Jun-2020 Dec-2020 Jun-2021 Dec-2021 Jun-2022 Dec-2022 Jun-2023 Dec-2023 Jun-2024 Dec-2024 Jun-2025
Operating Cash Flow
Net Income
160
165
170
174
182
187
202
181
144
144
0
(12)
73
54
81
91
92
94
89
89
102
108
120
129
146
146
141
156
176
194
218
254
263
206
(134)
(179)
60
59
84
41
(83)
(110)
(32)
39
77
46
(6)
(31)
(119)
(78)
Depreciation & Amortization
6
7
8
9
9
12
14
13
11
13
14
15
7
2
6
7
9
11
12
13
14
15
15
14
14
12
11
11
14
19
23
25
26
26
29
31
28
30
41
40
31
30
34
33
28
30
28
31
24
14
Stock-Based Compensation
0
0
0
0
0
0
0
0
0
0
3
0
0
1
2
3
5
5
6
6
6
8
8
7
6
9
7
7
9
10
11
11
11
8
0
0
1
3
1
(1)
2
0
4
7
5
5
5
4
3
1
Other Non-Cash Items
68
73
1
68
0
7
0
67
92
94
173
174
88
52
29
69
86
91
104
110
123
123
121
121
121
126
128
131
139
144
146
145
158
152
84
101
144
121
104
81
146
161
124
113
21
46
91
102
165
153
Cash Taxes Paid
50
48
46
48
50
55
45
45
55
63
53
28
(2)
(6)
15
26
30
33
28
30
37
38
42
40
46
46
40
38
45
52
48
52
64
79
55
22
22
23
24
40
24
0
6
14
13
12
6
(8)
(8)
(0)
Cash Interest Paid
0
0
0
0
0
0
0
28
53
56
61
71
38
26
42
40
44
46
57
63
80
85
70
72
73
66
70
74
72
74
73
70
72
75
74
69
66
62
66
64
63
71
71
57
47
66
76
83
103
103
Change in Working Capital
(147)
(128)
(65)
(136)
(90)
(143)
(205)
(263)
(248)
(275)
(205)
(217)
(125)
1
(81)
(170)
(220)
(213)
(198)
(138)
(204)
(262)
(228)
(251)
(310)
(279)
(206)
(218)
(219)
(261)
(305)
(341)
(435)
(428)
(35)
(25)
(272)
(250)
(130)
189
270
154
38
(161)
(331)
(541)
478
858
370
82
Cash from Operating Activities
87
N/A
117
+34%
113
-3%
115
+1%
102
-11%
63
-38%
12
-81%
(2)
N/A
(0)
+89%
(25)
-12 250%
(18)
+27%
(40)
-124%
44
N/A
109
+149%
35
-67%
(3)
N/A
(33)
-1 034%
(18)
+45%
7
N/A
75
+921%
34
-54%
(17)
N/A
27
N/A
12
-55%
(30)
N/A
5
N/A
74
+1 300%
80
+8%
110
+36%
95
-13%
82
-14%
82
+1%
12
-86%
(44)
N/A
(57)
-29%
(73)
-29%
(40)
+46%
(41)
-3%
100
N/A
350
+249%
364
+4%
234
-36%
163
-30%
24
-85%
(205)
N/A
(420)
-105%
585
N/A
954
+63%
440
-54%
172
-61%
Investing Cash Flow
Capital Expenditures
0
0
(20)
0
(18)
0
(19)
(12)
(26)
(31)
(31)
(30)
(21)
(11)
(13)
(16)
(15)
(12)
(13)
(17)
(19)
(16)
(9)
(6)
(9)
(11)
(10)
(12)
(19)
(25)
(27)
(26)
(23)
(23)
(33)
(28)
(13)
(13)
(14)
(16)
(22)
(24)
(26)
(29)
(33)
(35)
(22)
(18)
(2)
7
Other Items
(70)
(79)
(100)
(90)
(89)
(124)
(16)
(0)
3
4
(16)
(15)
(13)
(214)
(240)
(41)
1
2
2
1
2
2
2
1
1
1
2
2
(119)
(119)
1
13
13
1
(34)
(35)
2
34
38
7
1
0
4
0
0
0
4
0
4
(118)
Cash from Investing Activities
(70)
N/A
(79)
-13%
(120)
-51%
(90)
+25%
(107)
-19%
(124)
-16%
(35)
+72%
(12)
+67%
(23)
-95%
(27)
-17%
(47)
-75%
(45)
+3%
(35)
+23%
(225)
-549%
(253)
-13%
(57)
+78%
(14)
+76%
(11)
+24%
(12)
-11%
(16)
-31%
(18)
-14%
(15)
+18%
(7)
+49%
(5)
+36%
(7)
-57%
(10)
-32%
(9)
+10%
(11)
-20%
(138)
-1 201%
(143)
-4%
(26)
+82%
(13)
+51%
(11)
+16%
(22)
-108%
(67)
-203%
(64)
+5%
(11)
+82%
21
N/A
24
+18%
(8)
N/A
(22)
-165%
(24)
-10%
(22)
+6%
(25)
-13%
(33)
-31%
(35)
-7%
(19)
+47%
(15)
+22%
2
N/A
(111)
N/A
Financing Cash Flow
Net Issuance of Common Stock
0
0
(22)
0
50
0
1
4
4
2
2
1
5
10
18
1
(7)
5
8
4
2
2
2
2
2
2
2
2
119
119
2
2
2
2
0
300
300
0
0
0
(0)
(0)
0
0
(1)
(1)
0
(0)
(0)
(1)
Net Issuance of Debt
0
0
103
0
31
0
87
(54)
42
116
101
100
59
(47)
(1)
93
139
105
79
24
71
123
79
110
169
141
81
61
64
119
89
118
257
299
318
152
(148)
(36)
(107)
288
225
(768)
(345)
104
31
383
(250)
(598)
(179)
(27)
Cash Paid for Dividends
(63)
(67)
(69)
(72)
(73)
(77)
(80)
(83)
(85)
(87)
(89)
(90)
(91)
(93)
(89)
(83)
(83)
(84)
(84)
(85)
(85)
(85)
(87)
(93)
(96)
(105)
(108)
(117)
(123)
(141)
(149)
(174)
(181)
(196)
(133)
0
0
(25)
(48)
(23)
0
0
0
(30)
(43)
(39)
(38)
(15)
(3)
0
Other
49
57
0
52
0
103
0
116
2
2
1
1
5
(120)
(127)
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Cash from Financing Activities
(14)
N/A
(11)
+26%
12
N/A
(20)
N/A
8
N/A
26
+227%
8
-71%
(17)
N/A
(37)
-117%
32
N/A
15
-52%
12
-21%
(22)
N/A
(251)
-1 040%
(199)
+21%
12
N/A
49
+296%
26
-47%
2
-92%
(56)
N/A
(13)
+78%
40
N/A
(6)
N/A
19
N/A
75
+302%
39
-48%
(25)
N/A
(54)
-113%
59
N/A
97
+62%
(57)
N/A
(54)
+6%
78
N/A
104
+33%
185
+77%
452
+145%
152
-66%
(61)
N/A
(155)
-155%
266
N/A
225
-15%
(768)
N/A
(345)
+55%
74
N/A
(13)
N/A
344
N/A
(288)
N/A
(613)
-113%
(181)
+70%
(29)
+84%
Change in Cash
Effect of Foreign Exchange Rates
0
0
0
0
0
0
0
(2)
7
7
0
2
0
1
(0)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Net Change in Cash
3
N/A
27
+942%
5
-80%
5
-4%
3
-41%
(36)
N/A
(16)
+56%
(32)
-106%
(53)
-63%
(12)
+77%
(49)
-299%
(72)
-46%
(13)
+82%
(367)
-2 765%
(417)
-14%
(47)
+89%
2
N/A
(3)
N/A
(2)
+8%
3
N/A
4
+26%
9
+118%
14
+62%
26
+88%
38
+44%
34
-9%
40
+17%
16
-61%
31
+99%
48
+55%
(1)
N/A
16
N/A
79
+402%
38
-52%
61
+61%
316
+416%
101
-68%
(81)
N/A
(30)
+63%
608
N/A
568
-7%
(558)
N/A
(204)
+63%
73
N/A
(250)
N/A
(111)
+56%
278
N/A
326
+17%
261
-20%
32
-88%
Free Cash Flow
Free Cash Flow
87
N/A
117
+34%
93
-20%
115
+23%
84
-27%
63
-25%
(7)
N/A
(14)
-88%
(26)
-95%
(55)
-110%
(49)
+12%
(70)
-44%
22
N/A
98
+336%
22
-77%
(19)
N/A
(48)
-157%
(31)
+36%
(6)
+80%
58
N/A
15
-74%
(33)
N/A
18
N/A
6
-66%
(39)
N/A
(5)
+86%
64
N/A
68
+7%
91
+33%
70
-22%
55
-22%
56
+3%
(12)
N/A
(67)
-476%
(89)
-33%
(101)
-13%
(53)
+48%
(54)
-2%
86
N/A
335
+288%
342
+2%
211
-38%
137
-35%
(5)
N/A
(238)
-4 751%
(455)
-91%
562
N/A
936
+66%
438
-53%
179
-59%

See Also

Summary
VANQ intrinsic value, competitors valuation, and company profile.
DCF Valuation
VANQ stock valuation using Discount Cash Flow valuation method.
Relative Valuation
VANQ stock valuation using valuation multiples.
Wall Street Estimates
VANQ price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
VANQ stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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