EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Vanquis Banking Group's Enterprise Value is $-196.7 Mil.
Vanquis Banking Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $122.6 Mil. Therefore, Vanquis Banking Group's EV-to-OCF for today is -1.60.
The historical rank and industry rank for Vanquis Banking Group's EV-to-OCF or its related term are showing as below:
FPLPF'
s EV-to-OCF Range Over the Past 10 Years
Min: -47.93 Med: 0.03 Max: 459.08
Current: -1.53
During the past 13 years, the highest EV-to-OCF of Vanquis Banking Group was 459.08. The lowest was -47.93. And the median was 0.03.
FPLPF's EV-to-OCF is ranked better than 76.23% of 1502
companies
in the Banks industry
Industry Median: 3.62
vs FPLPF: -1.53
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Vanquis Banking Group (OTCPK:FPLPF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Vanquis Banking Group's PE Ratio (TTM) for today is calculated as:
Vanquis Banking Group's share price for today is $1.5612.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vanquis Banking Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.041.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Vanquis Banking Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's EV-to-OCF falls into.
Vanquis Banking Group's current Enterprise Value is $-196.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vanquis Banking Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $122.6 Mil.
* 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 EV-to-OCF of -1.60 as of Jul. 09, 2026. According to the industry distribution chart, Vanquis Banking Group ranks #357 out of 1502 companies in the Banks industry, placing it in the top 23.8%.
Is Vanquis Banking Group's EV-to-OCF too high?
Vanquis Banking Group's current EV-to-OCF is -1.60. Based on the distribution chart, Vanquis Banking Group ranks #357 out of 1502 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-OCF compare to PNC and USB?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #357 out of 1502 companies for EV-to-OCF. This places Vanquis Banking Group in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.62. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.62, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current EV-to-OCF is -1.60. 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 EV-to-OCF is -1.60. Vanquis Banking Group's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current EV-to-OCF is -1.60 as of Jul. 09, 2026. 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:
EV-to-OCF: -1.60
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
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.
60GF Score
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