Vanquis Banking GroupFPLPF 60 Pretax Margin % is 0.89% as of Dec. 2025, which is 85% below its 10-year median of 5.78. 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 1,527 Banks companies, Vanquis Banking Group ranks worse than 95.22% on this metric.
The historical rank and industry rank for Vanquis Banking Group's Pretax Margin % or its related term are showing as below:
FPLPF'
s Pretax Margin % Range Over the Past 10 Years
Min: -30.91 Med: 5.78 Max: 31.22
Current: 1.83
FPLPF's Pretax Margin % is ranked worse than 95.22% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FPLPF: 1.83
Vanquis Banking Group (OTCPK:FPLPF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Vanquis Banking Group Pretax Margin % Related Terms
Vanquis Banking Group Pretax Margin % Historical Data
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The historical data trend for Vanquis Banking Group's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Pretax 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 Pretax Margin % of 0.89% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Vanquis Banking Group and its competitors. This is 85% below median its historical median of 5.78. According to the industry distribution chart, Vanquis Banking Group ranks #1454 out of 1527 companies in the Banks industry, placing it in the top 95.2%.
Is Vanquis Banking Group's Pretax Margin % too high?
Vanquis Banking Group's current Pretax Margin % of 0.89% is 85% below median its 10-year median of 5.78. The Banks industry median Pretax Margin % is 34.88. Vanquis Banking Group's value of 0.89% is 97.4% below this industry median. Based on the distribution chart, Vanquis Banking Group ranks #1454 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 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #1454 out of 1527 companies for Pretax Margin %. This places Vanquis Banking Group in the lower half of its industry. The industry median Pretax Margin % is 34.88. Vanquis Banking Group's value of 0.89% is 97.4% below this benchmark. While the company's 10-year median is 5.78 vs. the industry median of 34.88, Vanquis Banking Group has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Pretax Margin % of 0.89% is 97.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Pretax Margin % is 0.89%, which is 85% below median its own 10-year median of 5.78. 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 Pretax Margin % is 0.89%, which is 85% below median its 10-year median of 5.78 and 97.4% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Pretax Margin % is 0.89% 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:
Pretax Margin %: 0.89% (85% below median its 10-year median of 5.78)
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
Industry Position: 97.4% below the Banks median (#1454 of 1527)
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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