FPLPF (Vanquis Banking Group) Debt-to-Asset : 0.09 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

FPLPF Vanquis Banking Group PLC FPLPF
68 GF Score
Price $1.56
GF Value $1.46
! 1 Warning Sign
View Full Analysis

What is Vanquis Banking Group Debt-to-Asset?

Vanquis Banking Group FPLPF 68 Debt-to-Asset is 0.09 as of Dec. 2025. GuruFocus rates FPLPF with a GF Score™ of 68/100 and a GF Value™ of $1.46. The stock has 1 warning sign investors should review.

Vanquis Banking Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.0 Mil. Vanquis Banking Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $493.6 Mil. Vanquis Banking Group's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $5,276.7 Mil. Vanquis Banking Group's debt to asset for the quarter that ended in Dec. 2025 was 0.09.

Vanquis Banking Group  (OTCPK:FPLPF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Vanquis Banking Group Debt-to-Asset Related Terms

Vanquis Banking Group Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Vanquis Banking Group's Debt-to-Asset 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 Debt-to-Asset Chart

Vanquis Banking Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.33 0.33 0.20 0.13 0.09

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
Debt-to-Asset 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 0.20 0.18 0.13 0.14 0.09

FPLPF vs PNC, USB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Vanquis Banking Group's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Vanquis Banking Group's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Vanquis Banking Group's Debt-to-Asset falls into.


FPLPF
68GF Score
Vanquis Banking Group PLC FPLPF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vanquis Banking Group Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Vanquis Banking Group's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 493.574) / 5276.707
=0.09

Vanquis Banking Group's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 493.574) / 5276.707
=0.09

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.09 mean?
Vanquis Banking Group (FPLPF) has a Debt-to-Asset of 0.09 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Vanquis Banking Group and its competitors.
Is Vanquis Banking Group's Debt-to-Asset too high?
Vanquis Banking Group's current Debt-to-Asset is 0.09. Overall, Vanquis Banking Group has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Debt-to-Asset compare to PNC and USB?
Vanquis Banking Group's Debt-to-Asset of 0.09 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Vanquis Banking Group and its competitors. Vanquis Banking Group's current Debt-to-Asset is 0.09. 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 Debt-to-Asset of 0.09. The stock's GF Value™ is $1.46, compared to a current price of $1.56 — trading 6.9% above its estimated fair value. The current Debt-to-Asset is 0.09. Vanquis Banking Group's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Debt-to-Asset is 0.09 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 6.9% above its estimated GF Value™ of $1.46.

Key valuation signals for FPLPF:

  • Debt-to-Asset: 0.09
  • GF Value™: $1.46 vs. price of $1.56 (6.9% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for FPLPF

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.56
Price
$1.46
GF Value