Stock PFG VANQUIS BANKING GROUP PLC
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Financials Vanquis Banking Group plc

Equities

PFG

GB00B1Z4ST84

Consumer Lending

Market Closed - London S.E.
Other stock markets
 11:35:11 2024-04-26 am EDT 		5-day change 1st Jan Change
47.95 GBX -0.42% Intraday chart for Vanquis Banking Group plc -1.34% -62.89%
Apr. 15 Petrofac slides again after Friday plunge AN
Apr. 03 Vanquis Banking Chair Peter Estlin buys GBP110,000 in shares AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,144 769.8 901 479.9 327.6 122.1 - -
Enterprise Value (EV) 1 2,816 2,124 2,106 1,931 2,117 2,225 2,450 122.1
P/E ratio 13.8 x -9.33 x -28.1 x 6.27 x -53.8 x -79.9 x 3.36 x 1.92 x
Yield 5.47% - 3.34% 8% 4.64% 2.09% 8.57% 11.9%
Capitalization / Revenue 1.15 x 0.95 x 1.5 x 1 x 0.67 x 0.24 x 0.22 x 0.21 x
EV / Revenue 2.82 x 2.63 x 3.49 x 4.02 x 4.33 x 4.38 x 4.46 x 0.21 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.56 x 1.2 x 1.44 x 0.79 x 0.56 x 0.21 x 0.2 x 0.18 x
Nbr of stocks (in thousands) 250,253 250,762 250,842 250,976 253,537 254,613 - -
Reference price 2 4.571 3.070 3.592 1.912 1.292 0.4795 0.4795 0.4795
Announcement Date 2/27/20 5/10/21 3/31/22 3/31/23 3/27/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 998.3 807.8 602.6 480.7 488.8 508.3 549.1 582
EBITDA - - - - - - - -
EBIT 1 234.6 22.5 117.8 185.4 138.3 196 244.4 271.7
Operating Margin 23.5% 2.79% 19.55% 38.57% 28.29% 38.55% 44.5% 46.68%
Earnings before Tax (EBT) 1 128.8 -113.5 4.1 110.1 -4.4 -2.1 48.18 84.17
Net income 1 84.4 -83.4 -32.1 77.4 -6 -1.6 36.04 63.07
Net margin 8.45% -10.32% -5.33% 16.1% -1.23% -0.31% 6.56% 10.84%
EPS 2 0.3310 -0.3290 -0.1280 0.3050 -0.0240 -0.006000 0.1428 0.2497
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2500 - 0.1200 0.1530 0.0600 0.0100 0.0411 0.0572
Announcement Date 2/27/20 5/10/21 3/31/22 3/31/23 3/27/24 - - -
1GBP in Million2GBP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 1,672 1,354 1,205 1,451 1,790 2,103 2,328 -
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 16.5% -4.07% 22.5% 15.7% 2.87% 2.4% 7.1% 12.6%
ROA (Net income/ Total Assets) 4.09% -0.94% 4.97% 3.61% 0.59% 0.39% 1.13% 1.75%
Assets 1 2,065 8,915 -645.9 2,143 -1,017 -415.6 3,180 3,614
Book Value Per Share 2 2.920 2.550 2.490 2.420 2.300 2.300 2.420 2.600
Cash Flow per Share 0.3900 - - - - - - -
Capex - - 1.3 - - - - -
Capex / Sales - - 0.22% - - - - -
Announcement Date 2/27/20 5/10/21 3/31/22 3/31/23 3/27/24 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Vanquis Banking Group plc

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
0.4795 GBP
Average target price
1.095 GBP
Spread / Average Target
+128.36%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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