ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Vanquis Banking Group's annualizedNet Income for the quarter that ended in Dec. 2025 was $7.0 Mil.
Vanquis Banking Group's average Total Assets over the quarter that ended in Dec. 2025 was $4,976.7 Mil. Therefore, Vanquis Banking Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.14%.
The historical rank and industry rank for Vanquis Banking Group's ROA % or its related term are showing as below:
FPLPF'
s ROA % Range Over the Past 10 Years
Min: -4.64 Med: -0.09 Max: 9.93
Current: 0.23
During the past 13 years, Vanquis Banking Group's highest ROA % was 9.93%. The lowest was -4.64%. And the median was -0.09%.
FPLPF's ROA % is ranked worse than 89.27% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FPLPF: 0.23
Vanquis Banking Group (OTCPK:FPLPF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Vanquis Banking Group's ROA % distribution charts can be found below:
* The bar in red indicates where Vanquis Banking Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Vanquis Banking Group (FPLPF) has a ROA % of 0.14% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Vanquis Banking Group and its competitors. According to the industry distribution chart, Vanquis Banking Group ranks #1365 out of 1529 companies in the Banks industry, placing it in the top 89.3%.
Is Vanquis Banking Group's ROA % too high?
Vanquis Banking Group's current ROA % is 0.14%. The Banks industry median ROA % is 0.98. Vanquis Banking Group's value of 0.14% is 85.7% below this industry median. Based on the distribution chart, Vanquis Banking Group ranks #1365 out of 1529 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 ROA % compare to PNC?
According to the Banks industry distribution chart, Vanquis Banking Group ranks #1365 out of 1529 companies for ROA %. This places Vanquis Banking Group in the lower half of its industry. The industry median ROA % is 0.98. Vanquis Banking Group's value of 0.14% is 85.7% 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vanquis Banking Group's current ROA % of 0.14% is 85.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Vanquis Banking Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vanquis Banking Group's current ROA % is 0.14%. 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 ROA % is 0.14% and 85.7% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current ROA % is 0.14% 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:
ROA %: 0.14%
GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
Industry Position: 85.7% below the Banks median (#1365 of 1529)
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.
60GF Score
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