VANQ - Ticker AI Digest

Vanquis Banking Group PLC 📰 2
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Today's Catalysts (VANQ) 2
VANQ 15:35
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 15:31
Vanquis Banking Group PLC
Total Voting Rights
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DirectorDealing 1
VANQ 15:31
Vanquis Banking Group PLC
Director/PDMR Shareholding
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Monthly <mark style="background-coloryellow">purchase</mark> of Partnership Shares under the Vanquis Banking Group plc Buy As You Earn Share Incentive Plan
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Reports 1
VANQ 06:01
Vanquis Banking Group PLC
Publication of Annual Report and AGM Notice
Results 2
VANQ 06:01
Vanquis Banking Group PLC
Results for the year ended 31 December 2025
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**Summary of Vanquis Banking Group PLCs Final Results for the Year Ended 31 December 2025**
**Key Highlights**
**Return to Profitability** Vanquis Banking Group reported a statutory profit before tax of £8.3 million in 2025, compared to a loss of £138.0 million in 2024, marking a successful return to profitability.
**Strategic Growth** The Group achieved a 22% increase in gross customer interest-earning balances to £2,824 million, driven by strong performance in Second Charge Mortgages and renewed growth in Credit Cards.
**Cost Discipline** Operating costs were reduced by 33% to £265.5 million, with transformation savings of £28.8 million and lower complaint costs contributing significantly.
**Technology Transformation** The Gateway technology transformation is on track for completion in 2026, already improving decisioning, speed, and consistency, and set to enhance customer experience and operational efficiency.
**Capital Strength** The Group strengthened its capital position through a successful Additional Tier 1 (AT1) issuance, with the Common Equity Tier 1 (CET1) ratio at 16.5% at year-end.
**Risk Management** Cost of risk improved to 7.3% from 8.4% in 2024, reflecting enhanced underwriting and model performance, as well as a changing portfolio mix.
**Customer Focus** The Group continued to support underserved customers, helping them borrow responsibly and build financial resilience, with initiatives like the Vanquis Benefits Checker and Fair Finance program.
**Strategic Direction** The Group established a clear strategic framework focused on serving more customers responsibly and scaling profitably, aiming for sustainable growth and attractive returns.
**Financial Performance**
**Total Income** Increased by 2% to £454.9 million, with net interest income rising by 3% to £418.4 million.
**Impairment Charges** Decreased by 2% to £181.1 million, supported by improved credit quality and portfolio mix.
**Operating Costs** Reduced by 33% to £265.5 million, driven by transformation savings and lower complaint costs.
**Profit After Tax** Statutory profit after tax was £8.7 million, compared to a loss of £119.3 million in 2024.
**ROTE** Statutory Return on Tangible Equity (ROTE) improved to 2.3% from -32.1% in 2024.
**Segment Performance**
**Credit Cards** Balances increased by 19% to £1,518 million, with total income rising by 1% to £352.5 million. Profit before tax contribution increased by 27% to £38.2 million.
**Vehicle Finance** Balances decreased by 8% to £706 million due to proactive management of new business growth. Loss before tax contribution was £12.7 million, compared to £38.8 million in 2024.
**Second Charge Mortgages** Balances grew significantly to £599 million, with profit before tax contribution of £5.4 million.
**Outlook and Guidance**
**2026 Guidance** Gross customer interest-earning balances are expected to exceed £3.3 billion, with a Net Interest Margin (NIM) of around 15.5% and a Risk-Adjusted Margin (RAM) of over 9.5%.
**2027 Guidance** Gross customer interest-earning balances are projected to surpass £3.7 billion, with NIM at around 14.5% and RAM over 9.0%.
**ROTE Targets** Low double-digit ROTE in 2026 and mid-teens in 2027.
**Capital Management** The Group aims to maintain a CET1 ratio <mark style="background-color:yellow">above</mark> 14.5%, with a focus on capital deployment for growth and a reset of the capital allocation framework in 2026.
**Conclusion**
Vanquis Banking Groups 2025 results demonstrate significant progress in its strategic transformation, with a return to profitability, strengthened capital position, and improved operational efficiency. The Group is well-positioned for sustainable growth, supported by its technology investments, risk management practices, and focus on underserved customer segments. The outlook for 2026 and beyond is positive, with clear guidance on financial metrics and a commitment to delivering attractive returns for shareholders.
VANQ 15:33
Vanquis Banking Group PLC
Notice of FY 2025 Results & Investor Presentations
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TR1 4
VANQ 15:35
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 14:55
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 14:34
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 14:57
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
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All Market News (Last 30 Days) 10
VANQ 15:35
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 15:31
Vanquis Banking Group PLC
Total Voting Rights
VANQ 06:01
Vanquis Banking Group PLC
Publication of Annual Report and AGM Notice
VANQ 06:01
Vanquis Banking Group PLC
Results for the year ended 31 December 2025
Open AI Digest
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary of Vanquis Banking Group PLCs Final Results for the Year Ended 31 December 2025**
**Key Highlights**
**Return to Profitability** Vanquis Banking Group reported a statutory profit before tax of £8.3 million in 2025, compared to a loss of £138.0 million in 2024, marking a successful return to profitability.
**Strategic Growth** The Group achieved a 22% increase in gross customer interest-earning balances to £2,824 million, driven by strong performance in Second Charge Mortgages and renewed growth in Credit Cards.
**Cost Discipline** Operating costs were reduced by 33% to £265.5 million, with transformation savings of £28.8 million and lower complaint costs contributing significantly.
**Technology Transformation** The Gateway technology transformation is on track for completion in 2026, already improving decisioning, speed, and consistency, and set to enhance customer experience and operational efficiency.
**Capital Strength** The Group strengthened its capital position through a successful Additional Tier 1 (AT1) issuance, with the Common Equity Tier 1 (CET1) ratio at 16.5% at year-end.
**Risk Management** Cost of risk improved to 7.3% from 8.4% in 2024, reflecting enhanced underwriting and model performance, as well as a changing portfolio mix.
**Customer Focus** The Group continued to support underserved customers, helping them borrow responsibly and build financial resilience, with initiatives like the Vanquis Benefits Checker and Fair Finance program.
**Strategic Direction** The Group established a clear strategic framework focused on serving more customers responsibly and scaling profitably, aiming for sustainable growth and attractive returns.
**Financial Performance**
**Total Income** Increased by 2% to £454.9 million, with net interest income rising by 3% to £418.4 million.
**Impairment Charges** Decreased by 2% to £181.1 million, supported by improved credit quality and portfolio mix.
**Operating Costs** Reduced by 33% to £265.5 million, driven by transformation savings and lower complaint costs.
**Profit After Tax** Statutory profit after tax was £8.7 million, compared to a loss of £119.3 million in 2024.
**ROTE** Statutory Return on Tangible Equity (ROTE) improved to 2.3% from -32.1% in 2024.
**Segment Performance**
**Credit Cards** Balances increased by 19% to £1,518 million, with total income rising by 1% to £352.5 million. Profit before tax contribution increased by 27% to £38.2 million.
**Vehicle Finance** Balances decreased by 8% to £706 million due to proactive management of new business growth. Loss before tax contribution was £12.7 million, compared to £38.8 million in 2024.
**Second Charge Mortgages** Balances grew significantly to £599 million, with profit before tax contribution of £5.4 million.
**Outlook and Guidance**
**2026 Guidance** Gross customer interest-earning balances are expected to exceed £3.3 billion, with a Net Interest Margin (NIM) of around 15.5% and a Risk-Adjusted Margin (RAM) of over 9.5%.
**2027 Guidance** Gross customer interest-earning balances are projected to surpass £3.7 billion, with NIM at around 14.5% and RAM over 9.0%.
**ROTE Targets** Low double-digit ROTE in 2026 and mid-teens in 2027.
**Capital Management** The Group aims to maintain a CET1 ratio <mark style="background-color:yellow">above</mark> 14.5%, with a focus on capital deployment for growth and a reset of the capital allocation framework in 2026.
**Conclusion**
Vanquis Banking Groups 2025 results demonstrate significant progress in its strategic transformation, with a return to profitability, strengthened capital position, and improved operational efficiency. The Group is well-positioned for sustainable growth, supported by its technology investments, risk management practices, and focus on underserved customer segments. The outlook for 2026 and beyond is positive, with clear guidance on financial metrics and a commitment to delivering attractive returns for shareholders.
VANQ 15:31
Vanquis Banking Group PLC
Director/PDMR Shareholding
Open AI Digest
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Monthly <mark style="background-coloryellow">purchase</mark> of Partnership Shares under the Vanquis Banking Group plc Buy As You Earn Share Incentive Plan
VANQ 14:55
Vanquis Banking Group PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
VANQ 14:34
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy
VANQ 15:33
Vanquis Banking Group PLC
Notice of FY 2025 Results & Investor Presentations
VANQ 15:31
Vanquis Banking Group PLC
Total Voting Rights
VANQ 14:57
Vanquis Banking Group PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy

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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
292888192
Enterprise Value
-
Public Float
78.58
Broker Target
156.25
Shares Out
250331804
Long Interest
-
Short Interest
-
Exchange
-
Currency Code
-
ISIN
GB00B1Z4ST84
Market
None
Sector
Unknown
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
-
Ex Divi
2024-04-18
Earnings Date
2026-02-26
Net Debt
2605300000.0
Cash
804500000.0
EPS
0.03
Net Income
8700000.0
Revenue
605700000.0
Enterprise Value
-
Trailing PE
39
Forward PE
14.3885
Price Sales TTM
1.06
Price Book MRQ
0.601
EV Revenue
1.4544
EV EBITDA
-24.4495

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
43.4281
Institutions As Of
2026-02-27
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
18
Sale Director Dealing
1
Purchase TR1
8
Sale TR1
10
Broker Coverage Rows
1
Institution Holders Tracked
6
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

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