FPLPF (Vanquis Banking Group) Cyclically Adjusted FCF per Share: $0.67 (As of Dec. 2025)


FPLPF Vanquis Banking Group PLC FPLPF
60 GF Score
Price $1.56
GF Value $1.36
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Vanquis Banking Group Cyclically Adjusted FCF per Share?

Vanquis Banking Group FPLPF 60 Cyclically Adjusted FCF per Share is $0.67 as of Dec. 2025. GuruFocus rates FPLPF with a GF Score™ of 60/100 and a GF Value™ of $1.36 (Modestly Overvalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Vanquis Banking Group's adjusted free cash flow per share data for the fiscal year that ended in Dec. 2025 was $0.374. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.67 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Vanquis Banking Group's average Cyclically Adjusted FCF Growth Rate was 1.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 36.20% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 24.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Vanquis Banking Group was 115.40% per year. The lowest was -62.00% per year. And the median was 2.00% per year.

As of today (2026-06-27), Vanquis Banking Group's current stock price is $ 1.5612. Vanquis Banking Group's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec. 2025 was $0.67. Vanquis Banking Group's Cyclically Adjusted Price-to-FCF of today is 2.33.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Vanquis Banking Group was 357.80. The lowest was 0.87. And the median was 11.28.


Vanquis Banking Group  (OTCPK:FPLPF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Vanquis Banking Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.5612/0.67
=2.33

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Vanquis Banking Group was 357.80. The lowest was 0.87. And the median was 11.28.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Vanquis Banking Group Cyclically Adjusted FCF per Share Related Terms


Vanquis Banking Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Vanquis Banking Group's Cyclically Adjusted FCF per Share 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.

Vanquis Banking Group Cyclically Adjusted FCF per Share Chart

Vanquis Banking Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.34 0.22 0.40 0.80 0.67

Vanquis Banking Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.40 0.00 0.80 0.00 0.67

FPLPF vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Vanquis Banking Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Vanquis Banking Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Vanquis Banking Group's Cyclically Adjusted Price-to-FCF falls into.


FPLPF
60GF Score
Vanquis Banking Group PLC FPLPF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vanquis Banking Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Vanquis Banking Group's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.374/139.9000*139.9000
=0.374

Current CPI (Dec. 2025) = 139.9000.

Vanquis Banking Group Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201612 -0.073 102.200 -0.100
201712 -0.592 105.000 -0.789
201812 -0.277 107.100 -0.362
201912 0.443 108.500 0.571
202012 1.811 109.400 2.316
202112 0.727 114.700 0.887
202212 -1.141 125.300 -1.274
202312 2.814 130.500 3.017
202412 2.167 135.100 2.244
202512 0.374 139.900 0.374

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.67 mean?
Vanquis Banking Group (FPLPF) has a Cyclically Adjusted FCF per Share of $0.67 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Vanquis Banking Group and its competitors.
Is Vanquis Banking Group's Cyclically Adjusted FCF per Share too high?
Vanquis Banking Group's current Cyclically Adjusted FCF per Share is $0.67. Overall, Vanquis Banking Group has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Cyclically Adjusted FCF per Share compare to PNC?
Vanquis Banking Group's Cyclically Adjusted FCF per Share of $0.67 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Vanquis Banking Group and its competitors. Vanquis Banking Group's current Cyclically Adjusted FCF per Share is $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?
Based on GuruFocus' analysis, Vanquis Banking Group (FPLPF) is currently considered Modestly Overvalued. The stock's GF Value™ is $1.36, compared to a current price of $1.56 — trading 14.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.67. Vanquis Banking Group's overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Cyclically Adjusted FCF per Share is $0.67 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 14.8% above its estimated GF Value™ of $1.36. GuruFocus considers Vanquis Banking Group to be Modestly Overvalued.

Key valuation signals for FPLPF:

  • Cyclically Adjusted FCF per Share: $0.67
  • GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
  • GF Score™: 60/100 with 1 warning sign

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 Business Description

Other Exchanges VANQl:UKVANQ:UK
Address No. 5 Godwin Street, Fairburn House, Bradford, West Yorkshire, GBR, BD1 2AH
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.
60GF Score

Get the complete analysis for FPLPF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.56
Price
$1.36
GF Value