Vanquis Banking Group plc

FPLPFOTCFinancial Services● Active

$0.63

$-0.93(-59.46%)

Market Cap$161445526

P/E Ratio—

52W High$1.5612

52W Low$0.6329

Avg Volume49

Open$0.74

Beta1.23

Free Cash Flow Financials Revenue

Vanquis Banking Group plc (FPLPF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FPLPF · free cash flow · updated Jun 9, 2026

Core FCF metrics

FPLPF · FCF · TTM · margin & CAGR

Free cash flow was $89.7M for FY2025 (fiscal year ending 2025-12-31), down 79.5% year-over-year The FCF margin was 14.8%. Five-year CAGR stands at -23.5%.

FY2025 Free Cash Flow$89.7M▼ -79.5% YoY

Trailing 12M (TTM)$527.7Mtrailing 4 quarters sum

FCF Margin14.8%$89.7M ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGR-23.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FPLPF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$93.0M(3M)$89.7M▼ 79.5%14.8%

FY2024$440.2M(2M)$438.0M▼ 24.7%95.5%

FY2023−$230.5M(3M)$581.4M▲ +344.6%97.0%

FY2022−$204.9M(33M)−$237.7M▼ 273.5%-57.0%

FY2021$163.1M(26M)$137.0M▼ 59.9%31.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FPLPF · P/FCF · FCF yield · FCF per share

Vanquis Banking Group plc (FPLPF) trades at a FCF yield of 32.62% and a price-to-free-cash-flow ratio of 0.4x. FCF per share stands at $1.54, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

32.62%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.54

TTM FCF ÷ Shares Outstanding

Price / FCF

x0.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x32.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FPLPF · cash flow statement · operating / investing / financing

For FY2025, Vanquis Banking Group plc generated $93.0M in operating cash flow and spent 3M in capital expenditures, yielding $89.7M in free cash flow.

Operating Activities

+$93.0M

Cash from core business operations

2025-12-31

Investing Activities

−$270.3M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$21.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($93.0M) − |CapEx| (3M) = FCF ($89.7M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FPLPF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Vanquis Banking Group plcYOU

FPLPF

$89.7M-79.5%14.8%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Vanquis Banking Group plc (FPLPF) reported free cash flow of $89.7M for FY2025 (fiscal year ending 2025-12-31), down 79.5% year-over-year. The FCF margin was 14.8%.

Based on available data, Vanquis Banking Group plc has maintained positive free cash flow for at least 10 fiscal year(s). FCF peaked at $581.4M in FY2023. The 5-year CAGR stands at -23.5%.

Vanquis Banking Group plc's FCF yield is 32.62% and price-to-FCF ratio is 0.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FPLPF free cash flow · 8 questions

Vanquis Banking Group plc free cash flow was $89.7M for FY2025, down 79.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $527.7M.

FPLPF free cash flowFPLPF FCFFPLPF FCF 2025FPLPF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Vanquis Banking Group plc · Vanquis Banking Group plc SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026