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Vanquis Banking GroupFPLPF 65 Cash-to-Debt is 2.18 as of Dec. 2025, which is 225% above its 10-year median of 0.67. GuruFocus rates FPLPF with a GF Score™ of 65/100 and a GF Value™ of $1.41. The stock has 4 warning signs investors should review. Among 1,491 Banks companies, Vanquis Banking Group ranks better than 60.23% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Vanquis Banking Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 2.18.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Vanquis Banking Groupcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Vanquis Banking Group's Cash-to-Debt or its related term are showing as below:
FPLPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25 Med: 0.67 Max: 2.27
Current: 2.18
During the past 13 years, Vanquis Banking Group's highest Cash to Debt Ratio was 2.27. The lowest was 0.25. And the median was 0.67.
FPLPF's Cash-to-Debt is ranked better than 60.23% of 1491
companies
in the Banks industry
Industry Median: 1.45
vs FPLPF: 2.18
Vanquis Banking Group (OTCPK:FPLPF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Vanquis Banking Group Cash-to-Debt Related Terms
Vanquis Banking Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Vanquis Banking Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Vanquis Banking Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Vanquis Banking Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Vanquis Banking Group (FPLPF) has a Cash-to-Debt of 2.18 as of Dec. 2025. This is 225% above median its historical median of 0.67. Over the past decade, Vanquis Banking Group's Cash-to-Debt has ranged from 0.25 to 2.27. According to the industry distribution chart, Vanquis Banking Group ranks #593 out of 1491 companies in the Banks industry, placing it in the top 39.8%.
Is Vanquis Banking Group's Cash-to-Debt too high?
Vanquis Banking Group's current Cash-to-Debt of 2.18 is 225% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 2.27. The Banks industry median Cash-to-Debt is 1.45. Vanquis Banking Group's value of 2.18 is 50.3% above this industry median. Based on the distribution chart, Vanquis Banking Group ranks #593 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, Vanquis Banking Group has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #593 out of 1491 companies for Cash-to-Debt. This puts Vanquis Banking Group in the upper half of its industry. The industry median Cash-to-Debt is 1.45. Vanquis Banking Group's value of 2.18 is 50.3% above this benchmark. Historically, Vanquis Banking Group's own Cash-to-Debt has ranged from 0.25 to 2.27 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 1.45, Vanquis Banking Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.45, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Cash-to-Debt of 2.18 is 50.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Cash-to-Debt is 2.18, which is 225% above median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vanquis Banking Group stock overvalued right now?
Vanquis Banking Group (FPLPF) has a current Cash-to-Debt of 2.18. The stock's GF Value™ is $1.41, compared to a current price of $1.56 — trading 10.7% above its estimated fair value. The current Cash-to-Debt is 2.18, which is 225% above median its 10-year median of 0.67 and 50.3% above the Banks industry median of 1.45. Vanquis Banking Group's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Cash-to-Debt is 2.18 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Vanquis Banking Group (FPLPF) Overvalued in 2026?
Based on GuruFocus' analysis, Vanquis Banking Group stock appears to be overvalued.
The current stock price of $1.56 is trading 10.7% above its estimated GF Value™ of $1.41.
Key valuation signals for FPLPF:
Cash-to-Debt: 2.18 (225% above median its 10-year median of 0.67)
GF Value™: $1.41 vs. price of $1.56 (10.7% above fair value)
Industry Position: 50.3% above the Banks median (#593 of 1491)
No single metric tells the full story. See the FPLPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vanquis Banking Group PLC is a specialist bank, focused on the mid-cost credit market. Along with its subsidiaries, it offers credit cards and loans as Vanquis, Vehicle Finance as Moneybarn, and through the brand Snoop, the group provides people with a free credit score and personalised insights to help them manage and understand their finances. All of the credit products are delivered online. In addition, it also accepts retail deposits to fund its lending operations. The group's operating segments are Credit Cards, Second Charge, Mortgages, Vehicle Finance, and Corporate Centre. A majority of its revenue is generated from the Credit Cards segment.
65GF Score
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