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Vanquis Banking Group (VANQ) Fair Value & Analysis

Financial Services · GB · Market cap 269M GBX

Pricep1.17
Fair Valuep0.4500
Upside-61.7%
Quality95/100
Evidence: High Range p0.3400 – p0.5600

Fair value as of: Jun 26, 2026

Analysis

Vanquis Banking Group (VANQ) currently trades at p1.17, while our model-based Fair Value estimate is p0.4500 — implying the stock looks roughly 61.7% 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 (VANQ) undervalued?
As of Jun 26, 2026, our model estimates a fair value of p0.4500 versus a price of p1.17 — about −62% (overvalued). Model-based estimate, not financial advice.
What is the fair value of VANQ?
Our 21-model fair value for Vanquis Banking Group is p0.4500 (as of Jun 26, 2026), built from audited fundamentals. The current price is p1.17.
What is the quality score of VANQ?
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.