EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Vanquis Banking Group's Enterprise Value is $-192.2 Mil.
Vanquis Banking Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $97.7 Mil. Therefore, Vanquis Banking Group's EV-to-FCF for today is -1.97.
The historical rank and industry rank for Vanquis Banking Group's EV-to-FCF or its related term are showing as below:
FPLPF'
s EV-to-FCF Range Over the Past 10 Years
Min: -459.08 Med: -0.7 Max: 111.75
Current: -1.95
During the past 13 years, the highest EV-to-FCF of Vanquis Banking Group was 111.75. The lowest was -459.08. And the median was -0.70.
FPLPF's EV-to-FCF is ranked better than 92.28% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs FPLPF: -1.95
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's EV-to-FCF falls into.
Vanquis Banking Group's current Enterprise Value is $-192.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vanquis Banking Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $97.7 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-FCF of -1.97 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Vanquis Banking Group and its competitors. According to the industry distribution chart, Vanquis Banking Group ranks #92 out of 1191 companies in the Banks industry, placing it in the top 7.7%.
Is Vanquis Banking Group's EV-to-FCF too high?
Vanquis Banking Group's current EV-to-FCF is -1.97. Based on the distribution chart, Vanquis Banking Group ranks #92 out of 1191 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-FCF compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #92 out of 1191 companies for EV-to-FCF. This places Vanquis Banking Group in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current EV-to-FCF is -1.97. 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-FCF is -1.97. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current EV-to-FCF is -1.97 as of Jun. 24, 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-FCF: -1.97
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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