Vanquis Banking GroupFPLPF 60 OCF Margin % is 84.14% as of Dec. 2025, which is 438% above its 10-year median of 15.65. GuruFocus rates FPLPF with a GF Score™ of 60/100 and a GF Value™ of $1.36 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,501 Banks companies, Vanquis Banking Group ranks worse than 62.56% on this metric.
The historical rank and industry rank for Vanquis Banking Group's OCF Margin % or its related term are showing as below:
FPLPF'
s OCF Margin % Range Over the Past 10 Years
Min: -42.63 Med: 15.65 Max: 119.62
Current: 20
During the past 13 years, the highest OCF Margin % of Vanquis Banking Group was 119.62%. The lowest was -42.63%. And the median was 15.65%.
FPLPF's OCF Margin % is ranked worse than 62.56% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FPLPF: 20.00
Vanquis Banking Group OCF Margin % Related Terms
Vanquis Banking Group OCF Margin % Historical Data
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The historical data trend for Vanquis Banking Group's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's OCF 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 (FPLPF) has a OCF Margin % of 84.14% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Vanquis Banking Group and its competitors. This is 438% above median its historical median of 15.65. According to the industry distribution chart, Vanquis Banking Group ranks #939 out of 1501 companies in the Banks industry, placing it in the top 62.6%.
Is Vanquis Banking Group's OCF Margin % too high?
Vanquis Banking Group's current OCF Margin % of 84.14% is 438% above median its 10-year median of 15.65. The Banks industry median OCF Margin % is 29.44. Vanquis Banking Group's value of 84.14% is 185.8% above this industry median. Based on the distribution chart, Vanquis Banking Group ranks #939 out of 1501 companies in the Banks industry, which is below 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 OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #939 out of 1501 companies for OCF Margin %. This places Vanquis Banking Group in the lower half of its industry. The industry median OCF Margin % is 29.44. Vanquis Banking Group's value of 84.14% is 185.8% above this benchmark. While the company's 10-year median is 15.65 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current OCF Margin % of 84.14% is 185.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current OCF Margin % is 84.14%, which is 438% above median its own 10-year median of 15.65. 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 OCF Margin % is 84.14%, which is 438% above median its 10-year median of 15.65 and 185.8% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current OCF Margin % is 84.14% 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:
OCF Margin %: 84.14% (438% above median its 10-year median of 15.65)
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
Industry Position: 185.8% above the Banks median (#939 of 1501)
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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