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Vanquis Banking GroupFPLPF 61 Intrinsic Value: Projected FCF is $17.28 as of Aug. 01, 2026, which is 2174% above its 10-year median of 0.76. GuruFocus rates FPLPF with a GF Score™ of 61/100 and a GF Value™ of $2.12. The stock has 3 warning signs investors should review. Among 1,287 Banks companies, Vanquis Banking Group ranks better than 95.57% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Vanquis Banking Group's Intrinsic Value: Projected FCF or its related term are showing as below:
FPLPF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.05 Med: 0.76 Max: 4.41
Current: 0.09
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Vanquis Banking Group was 4.41. The lowest was 0.05. And the median was 0.76.
FPLPF's Price-to-Projected-FCF is ranked better than 95.57% of 1287
companies
in the Banks industry
Industry Median: 0.59
vs FPLPF: 0.09
Vanquis Banking Group (OTCPK:FPLPF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Vanquis Banking Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
1.5612
/
11.303702166559
=
0.14
* 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 Intrinsic Value: Projected FCF Related Terms
Vanquis Banking Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Vanquis Banking Group's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
FPLPF vs PNC, USB: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Vanquis Banking Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Price-to-Projected-FCF falls into.
Vanquis Banking Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $17.28 mean?
Vanquis Banking Group (FPLPF) has a Intrinsic Value: Projected FCF of $17.28 as of Aug. 01, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Vanquis Banking Group and its competitors. This is 2174% above median its historical median of 0.76. Over the past decade, Vanquis Banking Group's Intrinsic Value: Projected FCF has ranged from 0.05 to 4.41. According to the industry distribution chart, Vanquis Banking Group ranks #57 out of 1287 companies in the Banks industry, placing it in the top 4.4%.
Is Vanquis Banking Group's Intrinsic Value: Projected FCF too high?
Vanquis Banking Group's current Intrinsic Value: Projected FCF of $17.28 is 2174% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 4.41. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Vanquis Banking Group's value of $17.28 is 2828.8% above this industry median. Based on the distribution chart, Vanquis Banking Group ranks #57 out of 1287 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 61/100, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Intrinsic Value: Projected FCF compare to PNC and USB?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #57 out of 1287 companies for Intrinsic Value: Projected FCF. This places Vanquis Banking Group in the top 4% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. Vanquis Banking Group's value of $17.28 is 2828.8% above this benchmark. Historically, Vanquis Banking Group's own Intrinsic Value: Projected FCF has ranged from 0.05 to 4.41 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,287 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Intrinsic Value: Projected FCF of $17.28 is 2828.8% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Intrinsic Value: Projected FCF is $17.28, which is 2174% above median its own 10-year median of 0.76. 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 Intrinsic Value: Projected FCF of $17.28. The stock's GF Value™ is $2.12, compared to a current price of $1.56 — trading 26.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $17.28, which is 2174% above median its 10-year median of 0.76 and 2828.8% above the Banks industry median of 0.59. Vanquis Banking Group's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Intrinsic Value: Projected FCF is $17.28 as of Aug. 01, 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 undervalued.
The current stock price of $1.56 is trading 26.4% below its estimated GF Value™ of $2.12.
Key valuation signals for FPLPF:
Intrinsic Value: Projected FCF: $17.28 (2174% above median its 10-year median of 0.76)
GF Value™: $2.12 vs. price of $1.56 (26.4% below fair value)
Industry Position: 2828.8% above the Banks median (#57 of 1287)
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.
61GF Score
Get the complete analysis for FPLPF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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