Vanquis Banking Group PLC (VANQ) — Defensive Interval Ratio
Vanquis Banking Group PLC (VANQ) has a Defensive Interval Ratio of 31 days as of December 2025. Defensive assets of GBX257.90 Million (cash GBX-, short-term investments GBX257.00 Million, receivables GBX900.00K) cover 31 days of daily cash needs of GBX8.34 Million/day. See Vanquis Banking Group PLC working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Vanquis Banking Group PLC Defensive Interval Ratio (1985–2025)
This chart shows how Vanquis Banking Group PLC's Defensive Interval Ratio has evolved across 41 annual periods from 1985 to 2025. As of December 2025, the ratio stands at 31 days, meaning defensive assets of GBX257.90 Million can fund 31 days of operations without new revenue. See VANQ net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Vanquis Banking Group PLC (1985–2025)
The table below presents the year-by-year Defensive Interval Ratio for Vanquis Banking Group PLC from 1985 to 2025, covering 41 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see how much is Vanquis Banking Group PLC worth.
| Year | DIR (days) | Defensive Assets (GBX) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 31 days | GBX257.90 Million | GBX8.34 Million/day | GBX- | GBX257.00 Million | ▲ +25 days |
| 2024 | 6 days | GBX37.70 Million | GBX6.68 Million/day | GBX- | GBX2.30 Million | ▼ -3 days |
| 2023 | 8 days | GBX25.30 Million | GBX3.09 Million/day | GBX- | GBX5.40 Million | ▼ -203 days |
| 2022 | 211 days | GBX36.30 Million | GBX172.05K/day | GBX- | GBX10.70 Million | ▲ +181 days |
| 2021 | 30 days | GBX6.40 Million | GBX210.68K/day | GBX- | GBX3.60 Million | ▼ -49 days |
| 2020 | 80 days | GBX14.30 Million | GBX179.45K/day | GBX- | GBX-600.00K | ▲ +21 days |
| 2019 | 58 days | GBX19.50 Million | GBX334.79K/day | GBX- | GBX16.60 Million | ▼ -90 days |
| 2018 | 148 days | GBX77.60 Million | GBX524.11K/day | GBX- | GBX47.80 Million | ▲ +116 days |
| 2017 | 32 days | GBX54.80 Million | GBX1.71 Million/day | GBX- | GBX45.80 Million | ▼ -1460 days |
| 2016 | 1492 days | GBX2.01 Billion | GBX1.35 Million/day | GBX- | GBX8.00 Million | ▲ +1470 days |
| 2015 | 23 days | GBX24.90 Million | GBX1.10 Million/day | GBX- | GBX17.50 Million | ▼ -11 days |
| 2014 | 33 days | GBX24.70 Million | GBX739.73K/day | GBX- | GBX200.00K | ▼ -1 days |
| 2013 | 34 days | GBX21.00 Million | GBX611.78K/day | GBX- | GBX5.50 Million | ▼ -1896 days |
| 2012 | 1930 days | GBX1.43 Billion | GBX740.00K/day | GBX- | GBX- | ▲ +1908 days |
| 2011 | 22 days | GBX8.70 Million | GBX393.42K/day | GBX- | GBX300.00K | ▼ -1621 days |
| 2010 | 1643 days | GBX1.13 Billion | GBX689.04K/day | GBX- | GBX3.50 Million | ▼ -531 days |
| 2009 | 2174 days | GBX1.07 Billion | GBX490.68K/day | GBX- | GBX- | ▼ -1200 days |
| 2008 | 3374 days | GBX982.70 Million | GBX291.23K/day | GBX- | GBX- | ▲ +1337 days |
| 2007 | 2037 days | GBX861.30 Million | GBX422.74K/day | GBX- | GBX700.00K | ▲ +1256 days |
| 2006 | 782 days | GBX1.22 Billion | GBX1.56 Million/day | GBX- | GBX300.00K | ▼ -48 days |
| 2005 | 829 days | GBX1.36 Billion | GBX1.64 Million/day | GBX- | GBX9.00 Million | ▼ -99 days |
| 2004 | 929 days | GBX1.77 Billion | GBX1.91 Million/day | GBX- | GBX461.70 Million | ▼ -1708 days |
| 2003 | 2636 days | GBX1.74 Billion | GBX658.63K/day | GBX- | GBX514.50 Million | ▲ +1813 days |
| 2002 | 823 days | GBX1.61 Billion | GBX1.96 Million/day | GBX- | GBX503.80 Million | ▲ +90 days |
| 2001 | 733 days | GBX1.31 Billion | GBX1.79 Million/day | GBX- | GBX430.62 Million | ▲ +24 days |
| 2000 | 709 days | GBX1.12 Billion | GBX1.58 Million/day | GBX- | GBX330.00 Million | ▲ +7 days |
| 1999 | 702 days | GBX956.30 Million | GBX1.36 Million/day | GBX- | GBX266.30 Million | ▼ -49 days |
| 1998 | 752 days | GBX892.74 Million | GBX1.19 Million/day | GBX- | GBX268.63 Million | ▲ +55 days |
| 1997 | 697 days | GBX840.37 Million | GBX1.21 Million/day | GBX- | GBX280.60 Million | ▲ +46 days |
| 1996 | 650 days | GBX798.49 Million | GBX1.23 Million/day | GBX- | GBX297.68 Million | ▲ +66 days |
| 1995 | 585 days | GBX730.81 Million | GBX1.25 Million/day | GBX- | GBX260.19 Million | ▼ -12 days |
| 1994 | 597 days | GBX642.75 Million | GBX1.08 Million/day | GBX- | GBX197.14 Million | ▼ -37 days |
| 1993 | 633 days | GBX552.73 Million | GBX872.51K/day | GBX- | GBX127.91 Million | ▼ -132 days |
| 1992 | 765 days | GBX460.92 Million | GBX602.43K/day | GBX- | GBX64.07 Million | ▲ +333 days |
| 1991 | 432 days | GBX445.99 Million | GBX1.03 Million/day | GBX- | GBX41.52 Million | ▲ +14 days |
| 1990 | 418 days | GBX418.07 Million | GBX999.27K/day | GBX- | GBX34.58 Million | ▼ -4 days |
| 1989 | 422 days | GBX372.73 Million | GBX882.99K/day | GBX- | GBX34.11 Million | ▼ -5 days |
| 1988 | 428 days | GBX298.93 Million | GBX699.25K/day | GBX- | GBX24.15 Million | ▲ +7 days |
| 1987 | 421 days | GBX285.77 Million | GBX679.09K/day | GBX- | GBX18.28 Million | ▼ -11 days |
| 1986 | 431 days | GBX287.27 Million | GBX665.80K/day | GBX- | GBX16.68 Million | ▼ -10 days |
| 1985 | 442 days | GBX277.93 Million | GBX629.15K/day | GBX- | GBX13.25 Million | — |