Vanquis Banking GroupFPLPF 60 Equity-to-Asset is 0.12 as of Dec. 2025, which is 45% below its 10-year median of 0.22. GuruFocus rates FPLPF with a GF Score™ of 60/100 and a GF Value™ of $1.36 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, Vanquis Banking Group ranks better than 72.83% on this metric.
The historical rank and industry rank for Vanquis Banking Group's Equity-to-Asset or its related term are showing as below:
FPLPF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.22 Max: 0.28
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Vanquis Banking Group was 0.28. The lowest was 0.12. And the median was 0.22.
FPLPF's Equity-to-Asset is ranked better than 72.83% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs FPLPF: 0.12
Vanquis Banking Group (OTCPK:FPLPF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Vanquis Banking Group Equity-to-Asset Related Terms
Vanquis Banking Group Equity-to-Asset Historical Data
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The historical data trend for Vanquis Banking Group's Equity-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.
For the Banks - Regional subindustry, Vanquis Banking Group's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Vanquis Banking Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Vanquis Banking Group and its competitors. This is 45% below median its historical median of 0.22. Over the past decade, Vanquis Banking Group's Equity-to-Asset has ranged from 0.12 to 0.28. According to the industry distribution chart, Vanquis Banking Group ranks #414 out of 1524 companies in the Banks industry, placing it in the top 27.2%.
Is Vanquis Banking Group's Equity-to-Asset too high?
Vanquis Banking Group's current Equity-to-Asset of 0.12 is 45% below median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.28. The Banks industry median Equity-to-Asset is 0.10. Vanquis Banking Group's value of 0.12 is 20% above this industry median. Based on the distribution chart, Vanquis Banking Group ranks #414 out of 1524 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #414 out of 1524 companies for Equity-to-Asset. This puts Vanquis Banking Group in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Vanquis Banking Group's value of 0.12 is 20% above this benchmark. Historically, Vanquis Banking Group's own Equity-to-Asset has ranged from 0.12 to 0.28 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Equity-to-Asset of 0.12 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Equity-to-Asset is 0.12, which is 45% below median its own 10-year median of 0.22. 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 Equity-to-Asset is 0.12, which is 45% below median its 10-year median of 0.22 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Equity-to-Asset is 0.12 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:
Equity-to-Asset: 0.12 (45% below median its 10-year median of 0.22)
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
Industry Position: 20% above the Banks median (#414 of 1524)
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.
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