Vanquis Banking Group PLC (VANQ) — Cash Flow-to-Debt Ratio
Vanquis Banking Group PLC (VANQ) has a Cash Flow-to-Debt Ratio of 0.06x as of December 2025, meaning its operating cash flow of GBX197.90 Million could theoretically repay 0% of its total liabilities (GBX3.45 Billion) in one year. See VANQ FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Vanquis Banking Group PLC Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Vanquis Banking Group PLC across 35 annual periods. For the full cash flow conversion analysis, see VANQ cash flow metrics.
Annual Cash Flow-to-Debt Ratio for Vanquis Banking Group PLC (1991–2025)
Year-by-year debt coverage analysis for Vanquis Banking Group PLC. Check VANQ cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (GBX) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.03x | GBX93.00 Million | GBX3.45 Billion | ▼ -82.1% |
| 2024 | 0.15x | GBX440.20 Million | GBX2.93 Billion | ▲ +270.9% |
| 2023 | -0.09x | GBX-230.50 Million | GBX2.63 Billion | ▲ +12.2% |
| 2022 | -0.10x | GBX-204.90 Million | GBX2.05 Billion | ▼ -228.4% |
| 2021 | 0.08x | GBX163.10 Million | GBX2.09 Billion | ▼ -48.0% |
| 2020 | 0.15x | GBX363.90 Million | GBX2.43 Billion | ▲ +225.2% |
| 2019 | 0.05x | GBX100.30 Million | GBX2.18 Billion | ▲ +358.0% |
| 2018 | -0.02x | GBX-39.70 Million | GBX2.23 Billion | ▲ +23.5% |
| 2017 | -0.02x | GBX-56.70 Million | GBX2.43 Billion | ▼ -506.0% |
| 2016 | 0.01x | GBX11.70 Million | GBX2.04 Billion | ▼ -87.6% |
| 2015 | 0.05x | GBX81.50 Million | GBX1.76 Billion | ▼ -27.0% |
| 2014 | 0.06x | GBX104.30 Million | GBX1.65 Billion | ▲ +19.0% |
| 2013 | 0.05x | GBX74.20 Million | GBX1.39 Billion | ▲ +334.3% |
| 2012 | -0.02x | GBX-29.80 Million | GBX1.31 Billion | ▼ -197.7% |
| 2011 | 0.02x | GBX26.80 Million | GBX1.15 Billion | ▼ -26.7% |
| 2010 | 0.03x | GBX34.00 Million | GBX1.07 Billion | ▲ +337.8% |
| 2009 | 0.01x | GBX7.30 Million | GBX1.01 Billion | ▲ +120.9% |
| 2008 | -0.03x | GBX-32.90 Million | GBX948.60 Million | ▲ +91.9% |
| 2007 | -0.43x | GBX-333.60 Million | GBX779.40 Million | ▼ -1626.7% |
| 2006 | 0.03x | GBX43.70 Million | GBX1.56 Billion | ▲ +201.7% |
| 2005 | -0.03x | GBX-45.80 Million | GBX1.66 Billion | ▼ -61.6% |
| 2004 | -0.02x | GBX-28.10 Million | GBX1.65 Billion | ▲ +61.8% |
| 2003 | -0.04x | GBX-67.70 Million | GBX1.52 Billion | ▼ -323.5% |
| 2002 | 0.02x | GBX28.61 Million | GBX1.43 Billion | ▼ -48.4% |
| 2001 | 0.04x | GBX43.92 Million | GBX1.13 Billion | ▲ +55.8% |
| 2000 | 0.02x | GBX24.00 Million | GBX965.31 Million | ▼ -58.9% |
| 1999 | 0.06x | GBX47.83 Million | GBX791.26 Million | ▲ +139.8% |
| 1998 | -0.15x | GBX-110.61 Million | GBX728.00 Million | ▼ -312.7% |
| 1997 | -0.04x | GBX-23.05 Million | GBX626.10 Million | ▼ -14566.8% |
| 1996 | 0.00x | GBX148.00K | GBX581.61 Million | ▼ -99.8% |
| 1995 | 0.13x | GBX74.87 Million | GBX594.02 Million | ▼ -35.2% |
| 1994 | 0.19x | GBX106.07 Million | GBX545.68 Million | ▲ +1.5% |
| 1993 | 0.19x | GBX88.95 Million | GBX464.25 Million | ▲ +62.3% |
| 1992 | 0.12x | GBX45.74 Million | GBX387.41 Million | ▲ +943.9% |
| 1991 | 0.01x | GBX4.50 Million | GBX397.68 Million | — |