Vanquis Banking Group PLC (VANQ) — Working Capital to Net Assets Ratio
Vanquis Banking Group PLC (VANQ) has a Working Capital to Net Assets ratio of 158.3% as of December 2025. Working capital of GBX771.20 Million (current assets of GBX3.82 Billion minus current liabilities of GBX3.04 Billion) is measured against net assets of GBX487.30 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See VANQ financial flexibility index to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Vanquis Banking Group PLC Working Capital to Net Assets (1985–2025)
This chart shows how Vanquis Banking Group PLC's Working Capital to Net Assets ratio has evolved across 41 annual periods from 1985 to 2025. As of December 2025, the ratio stands at 158.3%, reflecting working capital of GBX771.20 Million against net assets of GBX487.30 Million GBX. See Vanquis Banking Group PLC liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Vanquis Banking Group PLC (1985–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Vanquis Banking Group PLC from 1985 to 2025, covering 41 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Vanquis Banking Group PLC (VANQ) total market value.
| Year | WC/NA Ratio | Working Capital (GBX) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 158.3% | GBX771.20 Million | GBX487.30 Million | GBX3.82 Billion | GBX3.04 Billion | ▼ -7.5 pp |
| 2024 | 165.8% | GBX731.40 Million | GBX441.20 Million | GBX3.17 Billion | GBX2.44 Billion | ▲ +231.7 pp |
| 2023 | -65.9% | GBX-384.30 Million | GBX583.10 Million | GBX743.30 Million | GBX1.13 Billion | ▼ -139.6 pp |
| 2022 | 73.6% | GBX452.70 Million | GBX614.70 Million | GBX515.50 Million | GBX62.80 Million | ▼ -30.9 pp |
| 2021 | 104.5% | GBX659.60 Million | GBX631.20 Million | GBX736.50 Million | GBX76.90 Million | ▼ -29.7 pp |
| 2020 | 134.2% | GBX869.10 Million | GBX647.70 Million | GBX934.60 Million | GBX65.50 Million | ▲ +97.9 pp |
| 2019 | 36.3% | GBX264.70 Million | GBX729.30 Million | GBX386.90 Million | GBX122.20 Million | ▲ +5.2 pp |
| 2018 | 31.1% | GBX246.20 Million | GBX792.30 Million | GBX437.50 Million | GBX191.30 Million | ▼ -292.4 pp |
| 2017 | 323.5% | GBX1.73 Billion | GBX535.10 Million | GBX2.35 Billion | GBX622.90 Million | ▲ +98.7 pp |
| 2016 | 224.8% | GBX1.78 Billion | GBX790.10 Million | GBX2.27 Billion | GBX491.00 Million | ▼ -1.3 pp |
| 2015 | 226.1% | GBX1.60 Billion | GBX707.70 Million | GBX2.00 Billion | GBX402.20 Million | ▼ -34.0 pp |
| 2014 | 260.1% | GBX1.59 Billion | GBX613.00 Million | GBX1.86 Billion | GBX270.00 Million | ▼ -86.3 pp |
| 2013 | 346.4% | GBX1.44 Billion | GBX416.80 Million | GBX1.67 Billion | GBX223.30 Million | ▲ +13.8 pp |
| 2012 | 332.5% | GBX1.25 Billion | GBX375.40 Million | GBX1.52 Billion | GBX270.10 Million | ▼ -26.8 pp |
| 2011 | 359.3% | GBX1.17 Billion | GBX326.20 Million | GBX1.32 Billion | GBX143.60 Million | ▲ +59.9 pp |
| 2010 | 299.5% | GBX926.50 Million | GBX309.40 Million | GBX1.18 Billion | GBX251.50 Million | ▼ -44.0 pp |
| 2009 | 343.4% | GBX921.80 Million | GBX268.40 Million | GBX1.10 Billion | GBX179.10 Million | ▲ +16.7 pp |
| 2008 | 326.7% | GBX907.90 Million | GBX277.90 Million | GBX1.01 Billion | GBX106.30 Million | ▲ +75.5 pp |
| 2007 | 251.2% | GBX743.30 Million | GBX295.90 Million | GBX897.60 Million | GBX154.30 Million | ▼ -62.1 pp |
| 2006 | 313.3% | GBX1.11 Billion | GBX354.00 Million | GBX1.68 Billion | GBX571.00 Million | ▼ -77.8 pp |
| 2005 | 391.1% | GBX1.24 Billion | GBX317.40 Million | GBX1.84 Billion | GBX600.10 Million | ▲ +113.5 pp |
| 2004 | 277.6% | GBX1.15 Billion | GBX414.70 Million | GBX1.85 Billion | GBX695.80 Million | ▼ -76.5 pp |
| 2003 | 354.1% | GBX1.59 Billion | GBX449.00 Million | GBX1.83 Billion | GBX240.40 Million | ▲ +109.9 pp |
| 2002 | 244.2% | GBX983.47 Million | GBX402.67 Million | GBX1.70 Billion | GBX714.41 Million | ▲ +0.5 pp |
| 2001 | 243.8% | GBX722.86 Million | GBX296.55 Million | GBX1.38 Billion | GBX654.85 Million | ▲ +13.9 pp |
| 2000 | 229.8% | GBX612.98 Million | GBX266.69 Million | GBX1.19 Billion | GBX577.84 Million | ▲ +30.2 pp |
| 1999 | 199.6% | GBX517.09 Million | GBX259.02 Million | GBX1.01 Billion | GBX497.11 Million | ▼ -4.7 pp |
| 1998 | 204.3% | GBX505.21 Million | GBX247.30 Million | GBX938.74 Million | GBX433.52 Million | ▲ +51.7 pp |
| 1997 | 152.6% | GBX443.58 Million | GBX290.76 Million | GBX883.86 Million | GBX440.28 Million | ▲ +11.0 pp |
| 1996 | 141.6% | GBX381.67 Million | GBX269.53 Million | GBX829.90 Million | GBX448.23 Million | ▼ -7.6 pp |
| 1995 | 149.2% | GBX346.31 Million | GBX232.10 Million | GBX802.55 Million | GBX456.24 Million | ▼ -14.9 pp |
| 1994 | 164.1% | GBX328.68 Million | GBX200.24 Million | GBX721.75 Million | GBX393.07 Million | ▼ -2.9 pp |
| 1993 | 167.0% | GBX294.73 Million | GBX176.48 Million | GBX613.20 Million | GBX318.47 Million | ▼ -23.2 pp |
| 1992 | 190.2% | GBX293.17 Million | GBX154.13 Million | GBX513.06 Million | GBX219.89 Million | ▲ +105.3 pp |
| 1991 | 84.9% | GBX116.40 Million | GBX137.04 Million | GBX493.06 Million | GBX376.65 Million | ▲ +4.6 pp |
| 1990 | 80.3% | GBX101.50 Million | GBX126.37 Million | GBX466.23 Million | GBX364.73 Million | ▲ +0.4 pp |
| 1989 | 79.9% | GBX94.03 Million | GBX117.66 Million | GBX416.31 Million | GBX322.29 Million | ▼ -18.4 pp |
| 1988 | 98.3% | GBX83.91 Million | GBX85.38 Million | GBX339.14 Million | GBX255.22 Million | ▼ -4.0 pp |
| 1987 | 102.3% | GBX76.10 Million | GBX74.39 Million | GBX323.97 Million | GBX247.87 Million | ▼ -4.0 pp |
| 1986 | 106.3% | GBX69.79 Million | GBX65.65 Million | GBX312.81 Million | GBX243.02 Million | ▼ -7.6 pp |
| 1985 | 113.9% | GBX66.51 Million | GBX58.38 Million | GBX296.15 Million | GBX229.64 Million | — |