Why is Vanquis Banking Group Plc ?
1
Poor long term growth as Net Sales has grown by an annual rate of -8.77% and Operating profit at -14.55%
2
The company has declared Negative results for the last 5 consecutive quarters
- DEBT-EQUITY RATIO (HY) Highest at 463.7 %
- DEBTORS TURNOVER RATIO(HY) Lowest at 0.26%
3
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 143.22%, its profits have fallen by -844.7%
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Vanquis Banking Group Plc for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Vanquis Banking Group Plc
143.22%
-1.72
44.96%
FTSE 100
15.94%
1.23
12.99%
Quality key factors
Factor
Value
Sales Growth (5y)
-8.77%
EBIT Growth (5y)
-14.55%
EBIT to Interest (avg)
3.87
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
12.47%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
2.65%
ROCE (avg)
182.60%
ROE (avg)
7.90%
Valuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.71
EV to EBIT
-2.59
EV to EBITDA
-2.44
EV to Capital Employed
1.26
EV to Sales
-1.04
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-48.65%
ROE (Latest)
-17.83%
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Movement
10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 1,086.9 MM
PRE-TAX PROFIT(Q)
At GBP 6.2 MM has Grown at 113.45%
NET PROFIT(Q)
At GBP 4.9 MM has Grown at 113.8%
RAW MATERIAL COST(Y)
Fallen by -20.38% (YoY
EPS(Q)
Highest at GBP 0.02
-3What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 463.7 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 0.26%
Here's what is working for Vanquis Banking Group Plc
Pre-Tax Profit
At GBP 6.2 MM has Grown at 113.45%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (GBP MM)
Net Profit
At GBP 4.9 MM has Grown at 113.8%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (GBP MM)
Operating Cash Flow
Highest at GBP 1,086.9 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
EPS
Highest at GBP 0.02
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Raw Material Cost
Fallen by -20.38% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At GBP 8.4 MM has Grown at 40%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (GBP MM)
Here's what is not working for Vanquis Banking Group Plc
Debt-Equity Ratio
Highest at 463.7 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Debtors Turnover Ratio
Lowest at 0.26%
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio






