Vanquis Banking Group (STU:PRVA) Cyclically Adjusted PS Ratio: (As of Sep. 22, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:PRVA Vanquis Banking Group PLC STU:PRVA
45 GF Score
Price €0.90
GF Value €1.23
! 3 Warning Signs
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What is Vanquis Banking Group Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Vanquis Banking Group  (STU:PRVA) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Vanquis Banking Group Cyclically Adjusted PS Ratio Related Terms


Vanquis Banking Group Cyclically Adjusted PS Ratio Historical Data

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The historical data trend for Vanquis Banking Group's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Vanquis Banking Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.68 0.35 0.25 0.10 0.29

Vanquis Banking Group Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Cyclically Adjusted PS Ratio 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 0.10 0.09 0.22 0.27 0.29

STU:PRVA vs USB, PNC: Cyclically Adjusted PS Ratio Comparison

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

For the Banks industry and Financial Services sector, Vanquis Banking Group's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Vanquis Banking Group's Cyclically Adjusted PS Ratio falls into.


STU:PRVA
45GF Score
Vanquis Banking Group PLC STU:PRVA
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Vanquis Banking Group Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Vanquis Banking Group's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Vanquis Banking Group's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=2.655/139.9000*139.9000
=2.655

Current CPI (Dec25) = 139.9000.

Vanquis Banking Group Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 7.228 102.200 9.894
201712 4.935 105.000 6.575
201812 5.136 107.100 6.709
201912 4.497 108.500 5.798
202012 2.730 109.400 3.491
202112 2.481 114.700 3.026
202212 2.496 125.300 2.787
202312 2.723 130.500 2.919
202412 2.719 135.100 2.816
202512 2.655 139.900 2.655

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is Vanquis Banking Group (STU:PRVA) Overvalued in 2026?

Based on GuruFocus' analysis, Vanquis Banking Group stock appears to be undervalued. The current stock price of €0.90 is trading 27.2% below its estimated GF Value™ of €1.23.

Key valuation signals for STU:PRVA:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €1.23 vs. price of €0.90 (27.2% below fair value)
  • GF Score™: 45/100 with 3 warning signs

No single metric tells the full story. See the STU:PRVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Vanquis Banking Group Business Description

Other Exchanges FPLPF:USAVANQl: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.
45GF Score

Get the complete analysis for STU:PRVA

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

€0.90
Price
€1.23
GF Value