Vanquis Banking Group 20

VANQ · Main Market · Financial Services · mcap £180m · 69.7p

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Financials · LTM to 30 Jun 26

Source: results 30 Jul 26 ↗

Revenue: –
Operating profit: £8.3m
Net income: £7.0m
Free cash flow: £146m
Net cash: £265m
Market cap: £179m
EV / EBIT: –
FCF yield: +81.4%
Price / book: 0.4×

Latest half-year · H1 26 vs H1 25 results 30 Jul 26 ↗

Net income: £4.4m
Cash from operations: −£23.9m

Extracted automatically from the company's results announcements; check the source before relying on a figure. Not investment advice.

Income statement Cash flow Balance sheet

Annual Half-yearly

Latest report: H1 26 (six months to 30 Jun 26), published 30 Jul 26 · read the results ↗

£m unless stated · newest first · italic = calculated (LTM, H2 = FY − H1) · hover a value for its source

	LTM Jun 26	FY 25	FY 24
Operating profit	–	8.3	(138.0)
Share-based payments	–	2.2	–
Finance costs	–	(148.8)	(142.0)
Profit before tax	11.0	8.3	(138.0)
Tax	(0.2)	(0.3)	17.4
Net income (owners)	7.0	8.2	(119.3)
Discontinued operations	0.0	0.7	1.3
EPS basic	2.8p	3.2p	(46.7p)
EPS diluted	2.7p	3.1p	(46.7p)
Dividend per share	–	0.0p	0.0p

	H1 26	vs H1 25	H2 25	H1 25
Share-based payments	1.0	–	–	–
Profit before tax	8.9	+44%	2.1	6.2
Tax	(1.2)	−8%	1.0	(1.3)
Net income (owners)	4.4	−21%	2.6	5.6
Discontinued operations	0.0	n/m	0.0	0.7
EPS basic	1.8p	–	1.0p	2.2p
EPS diluted	1.7p	–	1.0p	2.1p

	LTM Jun 26	FY 25	FY 24
Cash from operations	174.0	93.0	452.7
Interest paid	–	94.6	103.0
Capex (PP&E)	(2.5)	(3.3)	(2.2)
Capex (intangibles)	(17.2)	(15.2)	(12.5)
Lease principal paid	(8.7)	(10.0)	(9.7)
Dividends paid	–	0.0	(2.5)
Share buybacks	(6.2)	(6.3)	(0.1)

	H1 26	vs H1 25	H2 25	H1 25
Cash from operations	(23.9)	n/m	197.9	(104.9)
Tax paid	(1.8)	n/m	–	0.1
Capex (PP&E)	(0.1)	−89%	(2.4)	(0.9)
Capex (intangibles)	(9.3)	+27%	(7.9)	(7.3)
Lease principal paid	(2.9)	−31%	(5.8)	(4.2)
Share buybacks	(1.2)	−8%	(5.0)	(1.3)

	Latest Jun 26	FY 25	FY 24
Goodwill	1.2	1.2	1.2
Other intangibles	69.8	65.0	61.5
Property, plant & equipment	6.8	8.0	7.1
Other investments	1.4	2.4	2.3
Trade receivables	58.3	61.2	72.5
Cash	859.4	804.5	1,003.9
Total assets	4,396.9	3,941.7	3,375.3
Trade payables	51.4	51.8	46.1
Borrowings, non-current	594.7	347.5	410.0
Lease liabilities, non-current	26.1	21.2	32.5
Pension surplus / (deficit)	10.4	6.4	27.8
Total liabilities	3,902.0	3,454.4	2,934.1
Total equity	494.9	487.3	441.2

	H1 26	H2 25	H1 25	H2 24
Goodwill	1.2	1.2	1.2	1.2
Other intangibles	69.8	65.0	62.5	61.5
Property, plant & equipment	6.8	8.0	6.7	7.1
Other investments	1.4	2.4	2.3	2.3
Trade receivables	58.3	61.2	67.0	72.5
Cash	859.4	804.5	805.3	1,003.9
Total assets	4,396.9	3,941.7	3,446.7	3,375.3
Trade payables	51.4	51.8	56.0	46.1
Borrowings, non-current	594.7	347.5	447.7	410.0
Lease liabilities, non-current	26.1	21.2	28.3	32.5
Pension surplus / (deficit)	10.4	6.4	12.7	27.8
Total liabilities	3,902.0	3,454.4	3,012.0	2,934.1
Total equity	494.9	487.3	434.7	441.2

Line items extracted automatically from each results announcement; when a later report restates a period, the later figure is shown. LTM and H2 are calculated from reported periods. Check the source before relying on a figure.

Company filings. Not investment advice.