Vanquis Banking Group plc
Vanquis Banking Group plc Fundamental Analysis
Vanquis Banking Group plc (FPLPF) shows weak financial fundamentals with a PE ratio of 33.62, profit margin of 1.87%, and ROE of 1.89%. The company generates $0.5B in annual revenue with weak year-over-year growth of -23.48%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -19.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FPLPF's fundamental strength across five key dimensions:
Efficiency Score
WeakFPLPF struggles to generate sufficient returns from assets.
Valuation Score
ModerateFPLPF shows balanced valuation metrics.
Growth Score
WeakFPLPF faces weak or negative growth trends.
Financial Health Score
WeakFPLPF carries high financial risk with limited liquidity.
Profitability Score
ModerateFPLPF maintains healthy but balanced margins.
Key Financial Metrics
Is FPLPF Expensive or Cheap?
P/E Ratio
FPLPF trades at 33.62 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, FPLPF's PEG of 0.40 indicates potential undervaluation.
Price to Book
The market values Vanquis Banking Group plc at 0.60 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -26.69 times EBITDA. This is generally considered low.
How Well Does FPLPF Make Money?
Net Profit Margin
For every $100 in sales, Vanquis Banking Group plc keeps $1.87 as profit after all expenses.
Operating Margin
Core operations generate 49.70 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.89 in profit for every $100 of shareholder equity.
ROA
Vanquis Banking Group plc generates $0.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Vanquis Banking Group plc produces operating cash flow of $92.57M, showing steady but balanced cash generation.
Free Cash Flow
Vanquis Banking Group plc generates strong free cash flow of $89.28M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.35 in free cash annually.
FCF Yield
FPLPF converts 30.82% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
33.62
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.40
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.60
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.63
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
7.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How FPLPF Stacks Against Its Sector Peers
| Metric | FPLPF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 33.62 | 18.66 | Worse (Expensive) |
| ROE | 1.89% | 804.00% | Weak |
| Net Margin | 1.87% | 2258.00% | Weak |
| Debt/Equity | 7.00 | 1.03 | Weak (High Leverage) |
| Current Ratio | 0.00 | 662.03 | Weak Liquidity |
| ROA | 0.22% | -24049.00% (disorted) | Weak |
FPLPF outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Vanquis Banking Group plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-20.88%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-256.19%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
338.98%
Industry Style: Value, Dividend, Cyclical
High Growth