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Vanquis Banking Group (DE:PRVA)
FRANKFURT:PRVA
Germany Market
PRVA
Vanquis Banking Group
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Vanquis Banking Group (PRVA) Ratios

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Vanquis Banking Group Ratios

DE:PRVA's free cash flow for Q2 2026 was £0.58. For the 2026 fiscal year, DE:PRVA's free cash flow was decreased by £ and operating cash flow was £0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.25 1.30 0.66 8.21
Quick Ratio
 0.00 1.25 1.30 0.66 8.21
Cash Ratio
 0.00 0.26 0.41 0.66 7.40
Solvency Ratio
 <0.01 <0.01 -0.03 <0.01 0.05
Operating Cash Flow Ratio
 0.00 0.03 0.18 0.52 -3.26
Short-Term Operating Cash Flow Coverage
 0.00 0.04 0.24 0.52 -0.22
Net Current Asset Value
£ 355.80M£ 360.70M£ 236.70M£ -1.88B£ -1.53B
Leverage Ratios
Debt-to-Assets Ratio
 0.87 0.86 0.85 0.80 0.74
Debt-to-Equity Ratio
 7.76 6.95 6.51 4.41 3.20
Debt-to-Capital Ratio
 0.89 0.87 0.87 0.82 0.76
Long-Term Debt-to-Capital Ratio
 0.89 0.87 0.76 0.65 0.00
Financial Leverage Ratio
 8.88 8.09 7.65 5.50 4.33
Debt Service Coverage Ratio
 1.17 0.07 -0.05 0.13 0.18
Interest Coverage Ratio
 1.07 1.06 0.24 2.86 3.02
Debt to Market Cap
 19.59 19.04 28.38 6.72 1.94
Interest Debt Per Share
 16.00 13.93 11.81 10.62 8.07
Net Debt to EBITDA
 16.38 14.85 -16.43 11.48 7.30
Profitability Margins
Gross Profit Margin
56.76%52.96%48.46%54.24%89.10%
EBIT Margin
26.40%25.94%-5.32%22.00%32.86%
EBITDA Margin
28.86%28.73%-24.78%26.60%38.07%
Operating Profit Margin
26.32%25.94%7.50%54.11%32.86%
Pretax Profit Margin
1.74%1.37%-29.73%-0.73%20.41%
Net Profit Margin
1.71%1.44%-26.02%-1.00%14.35%
Continuous Operations Profit Margin
1.71%1.32%-26.02%-1.00%15.25%
Net Income Per EBT
98.18%104.82%87.53%136.36%70.30%
EBT Per EBIT
6.63%5.28%-396.22%-1.36%62.10%
Return on Assets (ROA)
0.25%0.22%-3.53%-0.19%2.91%
Return on Equity (ROE)
2.20%1.79%-27.04%-1.03%12.59%
Return on Capital Employed (ROCE)
3.78%17.50%3.68%15.58%6.82%
Return on Invested Capital (ROIC)
3.71%4.60%1.08%10.09%3.69%
Return on Tangible Assets
0.25%0.22%-3.60%-0.20%3.06%
Earnings Yield
5.67%2.86%-104.94%-1.84%16.13%
Efficiency Ratios
Receivables Turnover
 0.21 673.00 12.95 30.11 21.07
Payables Turnover
 0.00 16.47 38.74 41.84 9.80
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 25.43 30.13 19.51 19.14 13.26
Asset Turnover
 0.14 0.15 0.14 0.19 0.20
Working Capital Turnover Ratio
 0.25 0.81 2.64 17.52 0.97
Cash Conversion Cycle
 1.73K -21.62 18.76 3.40 -19.93
Days of Sales Outstanding
 1.73K 0.54 28.18 12.12 17.32
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 22.16 9.42 8.72 37.24
Operating Cycle
 1.73K 0.54 28.18 12.12 17.32
Cash Flow Ratios
Operating Cash Flow Per Share
 0.70 0.37 1.72 2.31 -0.82
Free Cash Flow Per Share
 0.69 0.35 1.71 2.30 -0.95
CapEx Per Share
 0.01 0.01 <0.01 0.01 0.13
Free Cash Flow to Operating Cash Flow
 0.99 0.96 1.00 0.99 1.16
Dividend Paid and CapEx Coverage Ratio
 58.00 24.47 93.66 14.02 -2.71
Capital Expenditure Coverage Ratio
 69.60 28.18 200.09 177.18 -6.25
Operating Cash Flow Coverage Ratio
 0.05 0.03 0.15 0.23 -0.10
Operating Cash Flow to Sales Ratio
 0.28 0.15 0.96 0.98 -0.38
Free Cash Flow Yield
88.11%29.53%385.29%177.86%-49.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 17.79 34.97 -0.95 -54.48 6.20
Price-to-Sales (P/S) Ratio
 0.31 0.50 0.25 0.55 0.89
Price-to-Book (P/B) Ratio
 0.38 0.62 0.26 0.56 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
 1.13 3.39 0.26 0.56 -2.02
Price-to-Operating Cash Flow Ratio
 1.09 3.27 0.26 0.56 -2.34
Price-to-Earnings Growth (PEG) Ratio
 0.10 -0.33 >-0.01 0.51 -0.02
Price-to-Fair Value
 0.38 0.62 0.26 0.56 0.78
Enterprise Value Multiple
 17.45 16.60 -17.43 13.54 9.64
Enterprise Value
 3.18B 2.89B 1.98B 2.16B 1.98B
EV to EBITDA
 17.45 16.60 -17.43 13.54 9.64
EV to Sales
 5.03 4.77 4.32 3.60 3.67
EV to Free Cash Flow
 18.51 32.19 4.52 3.71 -8.33
EV to Operating Cash Flow
 18.25 31.05 4.50 3.69 -9.66
Tangible Book Value Per Share
 1.70 1.66 1.48 1.72 1.91
Shareholders’ Equity Per Share
 1.98 1.92 1.73 2.30 2.45
Tax and Other Ratios
Effective Tax Rate
 0.02 0.04 0.12 -0.36 0.25
Revenue Per Share
 2.53 2.38 1.79 2.37 2.15
Net Income Per Share
 0.04 0.03 -0.47 -0.02 0.31
Tax Burden
 0.98 1.05 0.88 1.36 0.70
Interest Burden
 0.07 0.05 5.59 -0.03 0.62
Research & Development to Revenue
 0.00 0.00 0.00 <0.01 <0.01
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 16.11 11.63 -3.69 -97.45 -2.65
Currency in GBP