The historical rank and industry rank for Vanquis Banking Group's FCF Margin % or its related term are showing as below:
FRA:PRVA'
s FCF Margin % Range Over the Past 10 Years
Min: -49.45 Med: 12.86 Max: 115.06
Current: 15.44
During the past 13 years, the highest FCF Margin % of Vanquis Banking Group was 115.06%. The lowest was -49.45%. And the median was 12.86%.
FRA:PRVA's FCF Margin % is ranked worse than 61.79% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs FRA:PRVA: 15.44
Vanquis Banking Group FCF Margin % Related Terms
Vanquis Banking Group FCF Margin % Historical Data
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The historical data trend for Vanquis Banking Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's FCF Margin % falls into.
* 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 (FRA:PRVA) has a FCF Margin % of 79.76% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Vanquis Banking Group and its competitors. This is 520% above median its historical median of 12.86. According to the industry distribution chart, Vanquis Banking Group ranks #930 out of 1505 companies in the Banks industry, placing it in the top 61.8%.
Is Vanquis Banking Group's FCF Margin % too high?
Vanquis Banking Group's current FCF Margin % of 79.76% is 520% above median its 10-year median of 12.86. The Banks industry median FCF Margin % is 26.42. Vanquis Banking Group's value of 79.76% is 201.9% above this industry median. Based on the distribution chart, Vanquis Banking Group ranks #930 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Vanquis Banking Group has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #930 out of 1505 companies for FCF Margin %. This places Vanquis Banking Group in the lower half of its industry. The industry median FCF Margin % is 26.42. Vanquis Banking Group's value of 79.76% is 201.9% above this benchmark. While the company's 10-year median is 12.86 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current FCF Margin % of 79.76% is 201.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current FCF Margin % is 79.76%, which is 520% above median its own 10-year median of 12.86. 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 (FRA:PRVA) has a current FCF Margin % of 79.76%. The stock's GF Value™ is €1.24, compared to a current price of €1.32 — trading 6.5% above its estimated fair value. The current FCF Margin % is 79.76%, which is 520% above median its 10-year median of 12.86 and 201.9% above the Banks industry median of 26.42. Vanquis Banking Group's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Vanquis Banking Group (FRA:PRVA), the current FCF Margin % is 79.76% 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 (FRA:PRVA) Overvalued in 2026?
Based on GuruFocus' analysis, Vanquis Banking Group stock appears to be overvalued.
The current stock price of €1.32 is trading 6.5% above its estimated GF Value™ of €1.24.
Key valuation signals for FRA:PRVA:
FCF Margin %: 79.76% (520% above median its 10-year median of 12.86)
GF Value™: €1.24 vs. price of €1.32 (6.5% above fair value)
Industry Position: 201.9% above the Banks median (#930 of 1505)
No single metric tells the full story. See the FRA:PRVA 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.
67GF Score
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