Vanquis Banking Group PLC (VANQ) — Financial Flexibility Index
Vanquis Banking Group PLC (VANQ) has a Financial Flexibility Index of 0.06x as of December 2025. Free cash flow of GBX200.30 Million (operating CF GBX197.90 Million minus capex GBX2.40 Million) represents 0% of total liabilities (GBX3.45 Billion). Check VANQ total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Vanquis Banking Group PLC Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for Vanquis Banking Group PLC across 35 annual periods. For the full cash flow conversion analysis, see Vanquis Banking Group PLC (VANQ) cash flow conversion.
Annual Financial Flexibility Index for Vanquis Banking Group PLC (1991–2025)
Year-by-year free cash flow to debt coverage for Vanquis Banking Group PLC. Explore VANQ operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (GBX) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | GBX96.30 Million | GBX93.00 Million | GBX3.45 Billion | ▼ -81.5% |
| 2024 | 0.15x | GBX442.40 Million | GBX440.20 Million | GBX2.93 Billion | ▲ +274.2% |
| 2023 | -0.09x | GBX-227.20 Million | GBX-230.50 Million | GBX2.63 Billion | ▼ -3.0% |
| 2022 | -0.08x | GBX-172.10 Million | GBX-204.90 Million | GBX2.05 Billion | ▼ -193.0% |
| 2021 | 0.09x | GBX189.20 Million | GBX163.10 Million | GBX2.09 Billion | ▼ -43.1% |
| 2020 | 0.16x | GBX386.10 Million | GBX363.90 Million | GBX2.43 Billion | ▲ +202.8% |
| 2019 | 0.05x | GBX114.30 Million | GBX100.30 Million | GBX2.18 Billion | ▲ +535.6% |
| 2018 | -0.01x | GBX-26.80 Million | GBX-39.70 Million | GBX2.23 Billion | ▼ -22.0% |
| 2017 | -0.01x | GBX-24.00 Million | GBX-56.70 Million | GBX2.43 Billion | ▼ -157.3% |
| 2016 | 0.02x | GBX35.10 Million | GBX11.70 Million | GBX2.04 Billion | ▼ -72.0% |
| 2015 | 0.06x | GBX108.50 Million | GBX81.50 Million | GBX1.76 Billion | ▼ -17.7% |
| 2014 | 0.07x | GBX123.30 Million | GBX104.30 Million | GBX1.65 Billion | ▲ +23.5% |
| 2013 | 0.06x | GBX84.50 Million | GBX74.20 Million | GBX1.39 Billion | ▲ +476.8% |
| 2012 | -0.02x | GBX-21.10 Million | GBX-29.80 Million | GBX1.31 Billion | ▼ -151.8% |
| 2011 | 0.03x | GBX35.80 Million | GBX26.80 Million | GBX1.15 Billion | ▼ -37.4% |
| 2010 | 0.05x | GBX53.20 Million | GBX34.00 Million | GBX1.07 Billion | ▲ +141.6% |
| 2009 | 0.02x | GBX20.70 Million | GBX7.30 Million | GBX1.01 Billion | ▲ +207.1% |
| 2008 | -0.02x | GBX-18.20 Million | GBX-32.90 Million | GBX948.60 Million | ▲ +95.3% |
| 2007 | -0.41x | GBX-320.50 Million | GBX-333.60 Million | GBX779.40 Million | ▼ -1086.1% |
| 2006 | 0.04x | GBX65.00 Million | GBX43.70 Million | GBX1.56 Billion | ▲ +559.0% |
| 2005 | -0.01x | GBX-15.10 Million | GBX-45.80 Million | GBX1.66 Billion | ▼ -648.7% |
| 2004 | 0.00x | GBX-2.00 Million | GBX-28.10 Million | GBX1.65 Billion | ▲ +96.2% |
| 2003 | -0.03x | GBX-48.50 Million | GBX-67.70 Million | GBX1.52 Billion | ▼ -198.6% |
| 2002 | 0.03x | GBX46.46 Million | GBX28.61 Million | GBX1.43 Billion | ▼ -42.4% |
| 2001 | 0.06x | GBX63.86 Million | GBX43.92 Million | GBX1.13 Billion | ▲ +58.6% |
| 2000 | 0.04x | GBX34.27 Million | GBX24.00 Million | GBX965.31 Million | ▼ -49.4% |
| 1999 | 0.07x | GBX55.50 Million | GBX47.83 Million | GBX791.26 Million | ▲ +149.5% |
| 1998 | -0.14x | GBX-103.15 Million | GBX-110.61 Million | GBX728.00 Million | ▼ -417.9% |
| 1997 | -0.03x | GBX-17.13 Million | GBX-23.05 Million | GBX626.10 Million | ▼ -472.5% |
| 1996 | 0.01x | GBX4.27 Million | GBX148.00K | GBX581.61 Million | ▼ -94.7% |
| 1995 | 0.14x | GBX81.83 Million | GBX74.87 Million | GBX594.02 Million | ▼ -34.1% |
| 1994 | 0.21x | GBX114.04 Million | GBX106.07 Million | GBX545.68 Million | ▼ -1.1% |
| 1993 | 0.21x | GBX98.11 Million | GBX88.95 Million | GBX464.25 Million | ▲ +60.4% |
| 1992 | 0.13x | GBX51.04 Million | GBX45.74 Million | GBX387.41 Million | ▲ +299.0% |
| 1991 | 0.03x | GBX13.13 Million | GBX4.50 Million | GBX397.68 Million | — |