PWLBtoday
Counterparty/Vanquis Banking Group plc
Built 2026-09-14 17:10 UTCBeta
VA

Vanquis Banking Group plc

Group · UKAA · LEI 213800U93SZC44VXN635
Counterparty scoreBand D
50
0th percentile of 3 peers
coverage92% of the method
Rating17w 40
Capital95w 25
Liquidity96w 15
Stability0w 10
Assets—w 5
Profit23w 5
Rating anchor and public pillars with published weights (w).Capped by rating at 65. Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeBB-Equity weak
Fitch
BB-▲
ST B
2026-01-26
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratiounverified
15.6%
−0.9 vs prior2026-06-30
Leverage ratiounverified
10.7%
−1.4 vs prior2026-06-30
Total capitalunverified
24.7%
−1.4 vs prior2026-06-30
LCRunverified
280%
−111.6 vs prior2026-06-30
NSFRunverified
143%
+5.2 vs prior2023-12-31
Risk-weighted assetsunverified
2,181.0m
+5.2% vs prior2026-06-30
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
4downgrades
4.0notches weaker
20162017201820192020202120222023202420252026BBBBB+BB-composite BBB from 2015-07-01composite BBB- from 2017-08-24composite BB+ from 2020-03-10composite BB from 2021-03-04composite BB- from 2024-08-07BB-COMPOSITEFitchFitch BBB from 2015-07-01 to 2017-08-24BBBFitch BBB- from 2017-08-24 to 2020-03-10BBB-Fitch BB+ from 2020-03-10 to 2021-03-04BB+Fitch BB from 2021-03-04 to 2024-08-07BBFitch BB- from 2024-08-07, stillBB-Fitch: stable outlook from 2016-05-16Fitch: watch negative outlook from 2017-08-24Fitch: negative outlook from 2018-03-01Fitch: stable outlook from 2020-03-10Fitch: negative outlook from 2020-04-06Fitch: stable outlook from 2022-03-02Fitch: negative outlook from 2024-03-18Fitch: watch negative outlook from 2024-11-08Fitch: stable outlook from 2025-08-15Fitch: positive outlook from 2026-01-26BB-
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2024-08-07↓Fitch downgrade BB → BB- · 1 notch
  • 2021-03-04↓Fitch downgrade BB+ → BB · 1 notch
  • 2020-03-10↓Fitch downgrade BBB- → BB+ · 1 notch
  • 2017-08-24↓Fitch downgrade BBB → BBB- · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termBB-positive2026-01-26
Fitchissuer default · short-termB—2026-01-26
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsGBp
62.8882.98103.08123.18143.2825-09: 112.4025-09: 105.4025-09: 106.4025-09: 115.2025-09: 119.4025-10: 121.2025-10: 125.8025-10: 118.0025-10: 110.8025-10: 113.6025-10: 117.0025-11: 109.8025-11: 113.2025-11: 112.8025-11: 111.2025-11: 117.8025-12: 113.4025-12: 117.2025-12: 114.2025-12: 119.4025-12: 118.2026-01: 115.8026-01: 115.0026-01: 117.8026-01: 115.6026-01: 118.8026-02: 120.8026-02: 119.2026-02: 126.4026-02: 130.0026-02: 124.0026-03: 113.4026-03: 112.8026-03: 111.0026-03: 109.6026-03: 106.8026-03: 109.6026-04: 117.2026-04: 117.0026-04: 116.4026-04: 111.0026-04: 108.4026-05: 114.6026-05: 111.8026-05: 109.0026-05: 109.0026-05: 109.0026-06: 108.6026-06: 107.2026-06: 116.0026-06: 115.4026-06: 117.0026-07: 117.4026-07: 115.0026-07: 114.6026-07: 117.0026-07: 119.8026-07: 85.3026-08: 81.3026-08: 79.5026-08: 79.1026-08: 77.3026-08: 79.5026-09: 82.8026-09: 76.3076.3025-0925-1025-1226-0226-0426-0626-09
30-day realised volatility24.8%
Drawdown from 52-week high-40.2%
Market signal Equity weak
Last price2026-09-14
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-11
Ian McLaughlin to step down as Vanquis CEO - fxnewsgroup.com
fxnewsgroup.com
info
2026-09-11
IN BRIEF: Vanquis Banking CEO Ian McLaughlin to step down by 2026-end - London South East
London South East
info
2026-09-11
Vanquis CEO Ian McLaughlin to step down by end of year - FinTech Futures
FinTech Futures
info
2026-09-11
"It has been a privilege": Vanquis CEO announces plan to depart post this year - Yorkshire Post
Yorkshire Post
info
2026-07-30
Vanquis Banking Group Reports Higher Interim Profit as Transformation Delivers Savings - uk.finance.yahoo.com
uk.finance.yahoo.com
good
2026-07-29
Pillar 3 report for the period to 2026-06-30 published: Vanquis-Banking-Group-PLC-Pillar-3-Disclosures-1H26.pdf
firm website
info
2026-02-25
Pillar 3 report for the period to 2025-12-31 published: DEC25_VANQ_Pillar-3-Disclosure_Annual_FINAL.pdf
firm website
info
2026-01-26
Fitch removed under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-01-26
Fitch placed under positive outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
good
2026-01-26
Fitch affirmation: Long Term Issuer Default Rating BB-
ESMA European Rating Platform
info
2026-01-26
Fitch new: Short Term Issuer Default Rating B
ESMA European Rating Platform
info
2025-08-15
Fitch removed under negative watch: Long Term Issuer Default Rating
ESMA European Rating Platform
warn
2025-08-15
Fitch placed under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-08-15
Fitch affirmation: Long Term Issuer Default Rating BB-
ESMA European Rating Platform
info
2025-07-30
Pillar 3 report for the period to 2025-06-30 published: JUN25_VANQ_Pillar-3-disclosures_SemiAnnual.pdf
firm website
info
2025-03-13
Pillar 3 report for the period to 2024-12-31 published: 14-03-25_Pillar-3-Disclosures-2024.pdf
firm website
info
2024-08-15
Pillar 3 report for the period to 2024-06-30 published: 15-Aug-2024-Semi-annual-Pillar-3-regulatory-capital-disclosures-30-June-2024.pdf
firm website
info
2024-01-09
Pillar 3 report for the period to 2023-12-31 published: 04-04-24_Pillar-3-Disclosures-2023.pdf
firm website
info
2023-08-22
Pillar 3 report for the period to 2023-06-30 published: 23-08-23_Semi-annual-Pillar-3-regulatory-capital-disclosures-30-June-2023.pdf
firm website
info
2023-03-29
Pillar 3 report for the period to 2022-12-31 published: 12-04-23_Pillar-3-Disclosures-2022.pdf
firm website
info
2022-04-05
Pillar 3 report for the period to 2021-12-31 published: Provident_Financial_plc_Pillar_3_Disclosures_2021.pdf
firm website
info
2020-12-31
Pillar 3 report for the period to 2020-12-31: 10-05-21_Pillar-3-regulatory-capital-disclosures.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · pdf_manual
10 documents · 8 metrics · 2020-12-31 to 2026-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 5 metrics · 2021-12-31 to 2025-12-31
Latest source
Yahoo Finance fundamentals · public API
1 document · 2 metrics · 2022-12-31 to 2025-12-31
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio15.602026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Total deposits (currency millions)3,019.902025-12-31Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio96.972025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio280.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Leverage ratio10.702026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Net interest margin11.442025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Net stable funding ratio142.802023-12-31Firm's Pillar 3 disclosures · read from the PDF0.87 unverified
Overall capital requirement16.602026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Return on assets0.242025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity1.872025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)2,181.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Tier 1 capital ratio18.202026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified
Total assets (currency millions)3,941.702025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio24.702026-06-30Firm's Pillar 3 disclosures · read from the PDF0.84 unverified