Vanquis Banking GroupFPLPF 61 Return-on-Tangible-Equity is 1.30% as of Dec. 2025. GuruFocus rates FPLPF with a GF Score™ of 61/100 and a GF Value™ of $1.36 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,522 Banks companies, Vanquis Banking Group ranks worse than 91.98% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Vanquis Banking Group's annualized net income for the quarter that ended in Dec. 2025 was $7.0 Mil. Vanquis Banking Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $533.6 Mil. Therefore, Vanquis Banking Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.30%.
The historical rank and industry rank for Vanquis Banking Group's Return-on-Tangible-Equity or its related term are showing as below:
FPLPF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -29.8 Med: -0.27 Max: 44.11
Current: 2.1
During the past 13 years, Vanquis Banking Group's highest Return-on-Tangible-Equity was 44.11%. The lowest was -29.80%. And the median was -0.27%.
FPLPF's Return-on-Tangible-Equity is ranked worse than 91.98% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs FPLPF: 2.10
Vanquis Banking Group (OTCPK:FPLPF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Vanquis Banking Group Return-on-Tangible-Equity Related Terms
Vanquis Banking Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Vanquis Banking Group's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
FPLPF vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Vanquis Banking Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.30% mean?
Vanquis Banking Group (FPLPF) has a Return-on-Tangible-Equity of 1.30% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Vanquis Banking Group and its competitors. According to the industry distribution chart, Vanquis Banking Group ranks #1400 out of 1522 companies in the Banks industry, placing it in the top 92%.
Is Vanquis Banking Group's Return-on-Tangible-Equity too high?
Vanquis Banking Group's current Return-on-Tangible-Equity is 1.30%. The Banks industry median Return-on-Tangible-Equity is 11.21. Vanquis Banking Group's value of 1.30% is 88.4% below this industry median. Based on the distribution chart, Vanquis Banking Group ranks #1400 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Vanquis Banking Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vanquis Banking Group's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #1400 out of 1522 companies for Return-on-Tangible-Equity. This places Vanquis Banking Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Vanquis Banking Group's value of 1.30% is 88.4% 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current Return-on-Tangible-Equity of 1.30% is 88.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current Return-on-Tangible-Equity is 1.30%. 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 Return-on-Tangible-Equity is 1.30% and 88.4% below the Banks industry median of 11.21. Vanquis Banking Group's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Return-on-Tangible-Equity is 1.30% 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:
Return-on-Tangible-Equity: 1.30%
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
Industry Position: 88.4% below the Banks median (#1400 of 1522)
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
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