Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
1.41%
0%
1.41%
6 Months
29.86%
0%
29.86%
1 Year
143.22%
0%
143.22%
2 Years
2.5%
0%
2.5%
3 Years
-42.02%
0%
-42.02%
4 Years
-67.2%
0%
-67.2%
5 Years
-63.37%
0%
-63.37%
Vanquis Banking Group Plc for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
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%
Technicals 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
Shareholding Snapshot : Dec 2016
Shareholding Compare (%holding) 
Majority shareholders
Foreign Institutions
Domestic Funds
Held in 0 Schemes (0%)
Foreign Institutions
Held by 2 Foreign Institutions (2.65%)
Strategic Entities with highest holding
Highest Public shareholder
Annual Results Snapshot (Consolidated) - Dec'23
Dec'23
Dec'22
Change(%)
Net Sales
599.20
540.20
10.92%
Operating Profit (PBDIT) excl Other Income
325.50
271.50
19.89%
Interest
113.40
58.80
92.86%
Exceptional Items
-21.00
-5.30
-296.23%
Consolidate Net Profit
-6.00
82.30
-107.29%
Operating Profit Margin (Excl OI)
220.00%
328.20%
-10.82%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2023 is 10.92% vs 1.05% in Dec 2022
Consolidated Net Profit
YoY Growth in year ended Dec 2023 is -107.29% vs -38.86% in Dec 2022
About Vanquis Banking Group Plc 
Vanquis Banking Group Plc
Finance
Provident Financial plc is a United Kingdom-based non-standard lender. The Company's divisions include Vanquis Bank Limited (Vanquis Bank), Consumer Credit Division (CCD) and Moneybarn. Its segments include Vanquis Bank, CCD, Moneybarn and Central. The Company serves non-standard credit customers with a range of products from credit cards and car finance, to home credit and online unsecured, and guarantor loans. Vanquis Bank is engaged in the provision of credit cards. CCD is engaged in home credit business in the United Kingdom and Ireland. CCD includes Provident, which offers home credit loans; Satsuma, which is an online instalment loan product, and glo, which is a guarantor loans product. Moneybarn is engaged in the provision of vehicle finance. Its subsidiaries within CCD are Provident Financial Management Services Limited, Provident Personal Credit Limited and Greenwood Personal Credit Limited. Its Central segment includes its subsidiary, Central Provident Investments plc.
Company Coordinates 
Company Details
No. 1 Godwin Street , BRADFORD None : BD1 2SU
Registrar Details






