Vanquis Banking Group PLC (VANQ)

Industry Banks - Regional

This stock can be held in an Investment ISA, SIPP and Investment Account

Sell

117.60p

Buy

118.00p

arrow-up5.20p (+4.63%)

Prices updated at 01 Apr 2026, 13:04 BST

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Prices in GBX

Provident Financial PLC is a consumer finance company that offers personal credit products for consumers in the UK non-standard lending market. It owns Moneybarn, which specializes in car finance for consumers in the non-standard credit market.

FTSE All-Share

1.99%

LSE

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Income statement

Year chevron-l-regular chevron-r-regular	2024	2025
	446m	455m
	-	-
	-	-
	-	-
	-119m	8m
	-	-
Sales, General and administrative	-	-
Interest expenses	142m	149m
Provision for income taxes	-17m	300,000
Operating expenses	399m	266m
Income before taxes	-138m	8m
Net income available to common shareholders	-119m	8m
	-0.467	0.032
Net interest income	408m	418m
Advertising and promotion	-	-
Net investment income, net	-	-
Realised capital gains (losses), net	-	-
Total benefits, claims and expenses	-	-
Earnings per share (diluted)	-0.467	0.031
Free cash flow per share	0.4553	0.81
Book value/share	2.0652	1.7365
Debt equity ratio	1.002947	0.756618

Balance sheet

Year chevron-l-regular chevron-r-regular	2024	2025
Current assets	-	-
Current liabilities	-	-
Total capital	851m	835m
Total debt	443m	369m
Total equity	441m	487m
Total non current liabilities	-	-
Loans	-	-
Total assets	3,375m	3,942m
Total liabilities	-	-
Cash and cash equivalents	1,004m	805m
Common stock	256m	250m

Cash flow

Year chevron-l-regular chevron-r-regular	2024	2025
Cash at beginning of period	742m	1,003m
Cash dividends paid	-2m	-
	438m	75m
Investments (gains) losses	2m	-270m
	1,003m	804m
Net income	-	-
	440m	93m
	-2m	-18m

The figures shown in the tables are quoted in the currency of the stock selected.

Please note that past performance is not a reliable indicator of future returns. Please use the interactive graph for benchmark comparison.

Important Information

Investment values, and income from investments, can go down as well as up, so you may get back less than you invest. This is not a personal recommendation for a specific investment. If you're not sure which investments are suitable for you, consult Fidelity's advisers or another authorised financial adviser. The information contained herein: is proprietary to Morningstar and/or its content providers; may not be copied or distributed; and is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.