The historical rank and industry rank for Vanquis Banking Group's Net Margin % or its related term are showing as below:
FRA:PRVA'
s Net Margin % Range Over the Past 10 Years
Min: -26.72 Med: -0.3 Max: 23.87
Current: 1.8
FRA:PRVA's Net Margin % is ranked worse than 94.43% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:PRVA: 1.80
Vanquis Banking Group (FRA:PRVA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Vanquis Banking Group Net Margin % Related Terms
Vanquis Banking Group Net Margin % Historical Data
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The historical data trend for Vanquis Banking Group's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Net 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 Net Margin % of 1.11% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Vanquis Banking Group and its competitors. According to the industry distribution chart, Vanquis Banking Group ranks #1442 out of 1527 companies in the Banks industry, placing it in the top 94.4%.
Is Vanquis Banking Group's Net Margin % too high?
Vanquis Banking Group's current Net Margin % is 1.11%. The Banks industry median Net Margin % is 26.95. Vanquis Banking Group's value of 1.11% is 95.9% below this industry median. Based on the distribution chart, Vanquis Banking Group ranks #1442 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #1442 out of 1527 companies for Net Margin %. This places Vanquis Banking Group in the lower half of its industry. The industry median Net Margin % is 26.95. Vanquis Banking Group's value of 1.11% is 95.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Net Margin % of 1.11% is 95.9% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Net Margin % is 1.11%. 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 Net Margin % of 1.11%. 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 Net Margin % is 1.11% and 95.9% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Vanquis Banking Group (FRA:PRVA), the current Net Margin % is 1.11% 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:
Net Margin %: 1.11%
GF Value™: €1.24 vs. price of €1.32 (6.5% above fair value)
Industry Position: 95.9% below the Banks median (#1442 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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