Vanquis Banking Group Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	280	306	113	328	480	901	Upgrade
Market Cap Growth	91.95%	169.67%	-65.41%	-31.74%	-46.74%	17.04%	Upgrade
PE Ratio	38.63	37.26	-	-	6.20	-	Upgrade
PS Ratio	1.01	1.11	0.42	1.01	1.15	2.09	Upgrade
PB Ratio	0.57	0.63	0.26	0.58	0.78	1.43	Upgrade
P/FCF Ratio	3.12	3.41	0.26	0.56	-	5.57	Upgrade
P/OCF Ratio	3.01	3.29	0.26	0.56	-	5.52	Upgrade
Debt / Equity Ratio	6.97	6.97	6.51	4.53	3.22	3.05	Upgrade
Debt / FCF Ratio	37.85	37.85	6.56	4.43	-	11.88	Upgrade
Net Debt / Equity Ratio	5.30	5.30	4.23	3.21	2.43	1.90	Upgrade
Net Debt / FCF Ratio	28.81	28.81	4.26	3.14	-7.16	7.39	Upgrade
Quick Ratio	60.62	60.62	2.10	1.93	2.29	4.69	Upgrade
Current Ratio	60.62	60.62	2.12	1.95	2.31	4.73	Upgrade
Asset Turnover	0.08	0.08	0.08	0.11	0.16	0.15	Upgrade
Return on Equity (ROE)	1.72%	1.72%	-23.62%	-1.98%	13.21%	21.05%	Upgrade
Return on Assets (ROA)	0.22%	0.22%	-3.63%	-0.40%	3.06%	4.64%	Upgrade
Return on Invested Capital (ROIC)	0.21%	0.22%	-3.58%	0.25%	3.46%	5.54%	Upgrade
Earnings Yield	2.93%	2.68%	-105.29%	-3.57%	16.13%	-3.56%	Upgrade
FCF Yield	32.04%	29.36%	386.57%	177.49%	-43.45%	17.96%	Upgrade
Dividend Yield	-	-	-	4.74%	8.92%	4.00%	Upgrade
Payout Ratio	6.10%	6.10%	-	-	55.30%	-	Upgrade
Buyback Yield / Dilution	-4.27%	-4.27%	-0.99%	0.28%	-0.68%	0.63%	Upgrade
Total Shareholder Return	-4.27%	-4.27%	-0.99%	5.02%	8.24%	4.63%	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.