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Vanquis Banking Group plc
VANQ.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £605.70M | 1.4% | £8.48M | £89.64M | N/A |
| 2027 | £653.55M | 1.4% | £9.15M | £96.73M | £87.93M |
| 2028 | £705.18M | 1.4% | £9.87M | £104.37M | £86.25M |
| 2029 | £760.89M | 1.4% | £10.65M | £112.61M | £84.61M |
| 2030 | £821.00M | 1.4% | £11.49M | £121.51M | £82.99M |
| 2031 | £885.86M | 1.4% | £12.40M | £131.11M | £81.41M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.033 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | £0.343 | EPS × (1 + G)^5 |
| Base P/E | 34.9 | P/E |
| Future price | £11.967 | Future EPS × P/E |
| Fair value today | £7.43 | PV @ 10.0% |
| 30% safety price | £5.201 | Margin of safety |
| 50% safety price | £3.715 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -£264.217 | -£196.107 | -£103.229 |
| 10.0% | -£333.114 | -£282.898 | -£217.231 |
| 11.0% | -£387.439 | -£349.204 | -£300.774 |