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Vanquis Banking Group (FPLPF) Fair Value & Analysis

Financial Services · US · Market cap $391M

Price$1.56
Fair Value$0.6000
Upside-61.6%
Quality95/100
Evidence: High Range $0.4500 – $0.7500

Fair value as of: Jun 26, 2026

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Analysis

Vanquis Banking Group (FPLPF) currently trades at $1.56, while our model-based Fair Value estimate is $0.6000 — implying the stock looks roughly 61.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards, saving account, vehicle finance, loans, and mortgages. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. Vanquis Banking Group plc was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. The company was founded in 1880 and is headquartered in Bradford, the United Kingdom.

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Frequently asked questions

Is Vanquis Banking Group (FPLPF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $0.6000 versus a price of $1.56 — about −62% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FPLPF?
Our 21-model fair value for Vanquis Banking Group is $0.6000 (as of Jun 26, 2026), built from audited fundamentals. The current price is $1.56.
What is the quality score of FPLPF?
Vanquis Banking Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.