FPLPF (Vanquis Banking Group) Scaled Net Operating Assets: 0.01 (As of Dec. 2025)


FPLPF Vanquis Banking Group PLC FPLPF
60 GF Score
Price $1.56
GF Value $1.36
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is Vanquis Banking Group Scaled Net Operating Assets?

Vanquis Banking Group FPLPF 60 Scaled Net Operating Assets is 0.01 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Vanquis Banking Group's operating assets for the quarter that ended in Dec. 2025 was $4,199.7 Mil. Vanquis Banking Group's operating liabilities for the quarter that ended in Dec. 2025 was $4,130.8 Mil. Vanquis Banking Group's Total Assets for the quarter that ended in Jun. 2025 was $4,676.7 Mil. Therefore, Vanquis Banking Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.01.

FPLPF
60GF Score
Vanquis Banking Group PLC FPLPF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vanquis Banking Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Vanquis Banking Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4199.732-4130.79)/4267.13
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5276.707 - 1076.975
=4199.732

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4624.364 - 493.574 - 0
=4130.79

Vanquis Banking Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(4199.732-4130.79)/4676.662
=0.01

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5276.707 - 1076.975
=4199.732

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4624.364 - 493.574 - 0
=4130.79

* 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.

What does a Scaled Net Operating Assets of 0.01 mean?
Vanquis Banking Group (FPLPF) has a Scaled Net Operating Assets of 0.01 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Vanquis Banking Group and its competitors.
Is Vanquis Banking Group's Scaled Net Operating Assets too high?
Vanquis Banking Group's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets compare to PNC?
Vanquis Banking Group's Scaled Net Operating Assets of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Vanquis Banking Group and its competitors. Vanquis Banking Group's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Vanquis Banking Group (FPLPF), the current Scaled Net Operating Assets is 0.01 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:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $1.36 vs. price of $1.56 (14.8% above fair value)
  • GF Score™: 60/100 with 1 warning sign

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 Business Description

Other Exchanges VANQl:UKVANQ:UK
Address No. 5 Godwin Street, Fairburn House, Bradford, West Yorkshire, GBR, BD1 2AH
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

Get the complete analysis for FPLPF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.56
Price
$1.36
GF Value