VANQ - Ticker AI Digest

Vanquis Banking Group PLC 📰 1
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VANQ Data 2026-03-18 Preview Mode
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Today's Catalysts (VANQ) 1
VANQ 15:31
Vanquis Banking Group PLC
Director/PDMR Shareholding
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DirectorDealing 3
VANQ 15:31
Vanquis Banking Group PLC
Director/PDMR Shareholding
VANQ 08:19
Vanquis Banking Group PLC
Director/PDMR Shareholding
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Market <mark style="background-coloryellow">purchase</mark> of 30,000 Ordinary Shares.
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 1
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.
Here is a comparison of Vanquis Banking Group's financials and debt year on year, presented as an HTML table:
MetricFY2025 (£m)FY2024 (£m)YoY Change (£m)YoY Change (%)
Statutory profit before tax from continuing operations8.3(138.0)146.3N/A
Statutory profit after tax from continuing operations8.0(120.6)128.6N/A
Statutory profit after tax8.7(119.3)128.0N/A
Statutory profit attributable to shareholders8.2(119.3)127.5N/A
Gross customer interest-earning balances2,8242,30851622%
Net receivables2,6912,15553625%
Total assets3,9423,37556717%
Total liabilities3,4542,93452018%
Common Equity Tier 1 (CET1) capital ratio (%)16.518.8(2.3)(12%)
Liquidity Coverage Ratio (LCR) (%)306359(53)(15%)
Retail deposits (£m)2,9842,39958524%
Retail funding (% of all funding)89.785.64.15%
**Key Observations:** * **Return to Profitability:** Vanquis Banking Group returned to statutory profitability in FY2025, with a significant improvement in profit before tax from continuing operations, from a loss of £138.0m in FY2024 to a profit of £8.3m in FY2025. * **Balance Sheet Growth:** The Group experienced substantial growth in its balance sheet, with gross customer interest-earning balances increasing by 22% and total assets growing by 17%. * **Capital Position:** While the CET1 capital ratio decreased by 2.3 percentage points, it remains strong at 16.5%. The Group also optimized its capital structure through a successful Additional Tier 1 (AT1) issuance. * **Liquidity and Funding:** Liquidity remained robust, although the LCR decreased slightly. Retail deposits continued to be a significant source of funding, increasing by 24% and representing 89.7% of total funding. This table provides a concise overview of Vanquis Banking Group's financial performance and debt position, highlighting key areas of improvement and growth.
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TR1 2
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
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All Market News (Last 30 Days) 9
VANQ 15:31
Vanquis Banking Group PLC
Director/PDMR Shareholding
VANQ 15:31
Vanquis Banking Group PLC
Non-Executive Director Pension Transfer
VANQ 08:19
Vanquis Banking Group PLC
Director/PDMR Shareholding
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Market <mark style="background-coloryellow">purchase</mark> of 30,000 Ordinary Shares.
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
AI Expand: Explanation + Tables
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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.
Here is a comparison of Vanquis Banking Group's financials and debt year on year, presented as an HTML table:
MetricFY2025 (£m)FY2024 (£m)YoY Change (£m)YoY Change (%)
Statutory profit before tax from continuing operations8.3(138.0)146.3N/A
Statutory profit after tax from continuing operations8.0(120.6)128.6N/A
Statutory profit after tax8.7(119.3)128.0N/A
Statutory profit attributable to shareholders8.2(119.3)127.5N/A
Gross customer interest-earning balances2,8242,30851622%
Net receivables2,6912,15553625%
Total assets3,9423,37556717%
Total liabilities3,4542,93452018%
Common Equity Tier 1 (CET1) capital ratio (%)16.518.8(2.3)(12%)
Liquidity Coverage Ratio (LCR) (%)306359(53)(15%)
Retail deposits (£m)2,9842,39958524%
Retail funding (% of all funding)89.785.64.15%
**Key Observations:** * **Return to Profitability:** Vanquis Banking Group returned to statutory profitability in FY2025, with a significant improvement in profit before tax from continuing operations, from a loss of £138.0m in FY2024 to a profit of £8.3m in FY2025. * **Balance Sheet Growth:** The Group experienced substantial growth in its balance sheet, with gross customer interest-earning balances increasing by 22% and total assets growing by 17%. * **Capital Position:** While the CET1 capital ratio decreased by 2.3 percentage points, it remains strong at 16.5%. The Group also optimized its capital structure through a successful Additional Tier 1 (AT1) issuance. * **Liquidity and Funding:** Liquidity remained robust, although the LCR decreased slightly. Retail deposits continued to be a significant source of funding, increasing by 24% and representing 89.7% of total funding. This table provides a concise overview of Vanquis Banking Group's financial performance and debt position, highlighting key areas of improvement and growth.
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
VANQ 14:55
Vanquis Banking Group PLC
Holding(s) in Company
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TR1 Buy

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for VANQ.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2026-03-18 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Vanquis Banking Group PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
15:31 Today's Catalyst Director/PDMR Shareholding
Single-Ticker Today's AI
VANQ signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.

This is the ticker-specific Today’s AI desk for Vanquis Banking Group PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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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
290.4M
Enterprise Value
-
Public Float
78.6
Broker Target
156.25
Shares Out
250.3M
Long Interest
0
Short Interest
0
Exchange
-
Currency Code
-
ISIN
GB00B1Z4ST84
Market
None
Sector
Unknown
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for VANQ.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2026-03-18 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
Vanquis Banking Group PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
15:31 Today's Alert Director/PDMR Shareholding
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
2.6B
Cash
804.5M
EPS
0.03
Net Income
8.7M
Revenue
605.7M
Enterprise Value
-
Trailing PE
38.6667
Forward PE
14.3885
Price Sales TTM
1.051
Price Book MRQ
0.598
EV Revenue
1.4511
EV EBITDA
-24.4495
Financial Forecastist

Mixed financial engine

Revenue is accelerating +331.9% against the prior comparable period. Net margin is expanding by 25.8 pts. Net debt is building +56.2%.

Revenue +331.9% Net Income -117.3% FCF +145.6% Forward Rev 0
Mixed
Quarter Revenue
311.8M
+331.9%
vs prior comparable quarter
Net Margin
+1.0%
+25.8 pts
profitability pulse
Free Cash Flow
195.5M
+145.6%
cash conversion
Net Debt / EBITDA
30.0x
+56.2%
lower is cleaner
Revenue Engine

Latest quarter printed 311.8M with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 3.1M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 804.5M while net debt is 2.6B. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2023
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
514.6M
Revenue Path
0.15
EPS / Earnings
Growth cue +0.1%
FY 2027
Consensus
565.3M
Revenue Path
0.23
EPS / Earnings
Growth cue +0.5%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 311.8M 3.1M 195.5M 2.6B
Q2 2025 153.6M 5.6M -105.8M -329.3M
Q4 2024 300.3M -83.5M 278.8M -1.0B
Q2 2024 144.4M -35.8M 159.2M 1.7B
Q1 2024 72.2M -17.9M 79.6M 1.7B
Q4 2023 315.8M 4.4M -33.0M 1.8B

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 605.7M 8.7M 174.0M 89.7M
FY 2024 458.5M -119.3M - 438.0M
FY 2023 599.2M -6.0M 159.4M 581.4M
FY 2022 539.5M 77.4M 205.4M -237.7M
FY 2021 534.6M -32.1M 9.0M 137.0M

Structure DNA

Market Structure DNA

Balanced Structure profile with trend broken

Price is -61.6% through the 52-week range, -90.0% vs 50DMA and -89.8% vs 200DMA. 70.0% of the register is locked by institutions and insiders, leaving 30.0% free float. Capital rhythm reads semi-annual with forward yield near 0.0% and payout around 0.0%.

Trend broken Institutional gravity Moderate income rhythm As Of 2026-04-19
Balanced Structure
Structure Score
43.7 / 100
Balanced Structure
Trend Stack
-90.0% / -89.8%
vs 50DMA / 200DMA
52W Position
-61.6%
auction position inside the yearly range
Ownership Lock
70.0%
58.7% institutions | 11.3% insiders
Pressure Pocket
30.0% free float
Vendor short-float fields were not supplied
Capital Rhythm
Semi-Annual
Yield 0.0% | payout 0.0%
Trend Runway

Implied spot is 11.64 with the stock -90.0% vs 50DMA and -89.8% vs 200DMA. The tape is sitting -61.6% through the 52-week range, which frames the regime as trend broken.

Ownership Register

Institutions hold about 58.7% and insiders about 11.3%, locking roughly 70.0% of the register and leaving 30.0% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads semi-annual with 1 event(s) in the last full year, a five-year average of 1.6, and stability score 60.0/100. Forward yield sits near 0.0% while payout is around 0.0%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2024 1 Full year
2023 2 Full year
2022 2 Full year
2020 1 Full year
2019 2 Full year
2017 2 Full year
2016 2 Full year
2015 2 Full year

Structure Facts

Live Snapshot
Implied Spot
11.64
derived from market cap / shares
52W High
132.00
upper auction edge
52W Low
57.50
lower auction edge
Beta
1.30
volatility character
Shares Out
250.3M
fully diluted count
Shares Float
196.7M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2024-04-18
-731 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
1:2
2007-07-16

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

AI Charts

News And Alerts First

The alert tape opens the door for VANQ, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2026-03-18 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Vanquis Banking Group PLC has fresh news flow live now, so the tape is framing the chart workspace below.
15:31 Today's Catalyst Director/PDMR Shareholding
AI Charts Studio
VANQ Price History
Live structure, automated forecasts, technical overlays and catalyst beacons in one chart workspace.
30 Day View Window 30D Data 2026-03-18 Open Preview Studio Brief
Chart Intelligence Suite
Swipe the timeframe, call the overlays, and keep the AI signal stack fused into one chart cockpit.
The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.

Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

Automated Signalling Automated AI Forecasts Predictive MACD Catalyst Beacons Live Price Structure
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AI Forecast 7.53%
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