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Vanquis Banking Group plc Stock: price and insider trades · United Kingdom
2 insiders bought €45k of shares over the last 90 days, the latest filed 09 Sept 2026.
Vanquis Banking Group plc: what insiders have been doing
This page follows insider dealings at Vanquis Banking Group plc as filed with RNS (LSE), a company from the Finance & Banking sector based in United Kingdom. The group dates from 1880. Over the twelve months to 18 October 2026, 34 filings were filed, from 5 insiders.
Purchases and sales both appear in the filings: 3 purchases (2 insiders, €82k) and 1 sale (1 insider, €16k). The totals exclude 1 filing filed without an amount. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. The buyers include 1 finance chief and 1 chief executive. The largest single trade was a purchase of €45k by Dave Watts, published on 30 July 2026, equal to 0.021% of the market capitalisation.
The last insider purchase was made public on 9 September 2026, 38 days ago. Between a trade and the moment it shows up on RNS (LSE), the median delay is 1 day. The regulation allows three business days to notify a trade (UK MAR).
Compared with its exchange (831 companies, median 6 filings), a count of 34 filings is above the norm. Over the whole record (from 2023), the tally stands at 21 purchases and 1 sale.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from RNS (LSE) disclosures alone and does not predict where the share price will go.
Insider Decl.
84
Thresholds
n/a
Buy Volume
€661,881
21 ops. · all time
Sell Volume
€16,486
1 ops. · all time
Who traded when
BuySaleDave Watts3 buys
Ian McLaughlin2 buys
David Watts1 buy
Oliver Laird1 sale
Since the insiders bought
- -14.3%Entry £0.79 · Close 16 Oct 2026 £0.68
- -15.4%Entry £0.80 · Close 16 Oct 2026 £0.68
- +7.1%Entry £1.06 · Close at T+90 £1.14
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 9,449 of 24,148 companies
57.0
score / 100
Value80
Quality34
FCF yld42%
Earn yld4.6%
EV/EBITDA·
ROE2.3%
Gross mgn·
Net mgn1.8%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
£0.69
Analyst consensus
4 analysts1.25/5
£1.20Target £1.38(+99%)£1.60
Income statement
Revenue£454.9M
Net income£8.2M2.6% margin
Valuation
PER (trailing)23.0x
PER (forward)468.7x
P/Book34.8x
Beta1.18
Balance sheet & cash
Market cap£177M
Total debt£368.7M
Free Cash Flow£74.5M
Debt / Equity776%
Profitability & ownership
ROE2.3%
ROA0.3%
% insiders11.1%
% institutions58.5%
Last declaration on 15 October 2026
Declarations84 total
54 sharesN/AISIN GB00B1Z4ST84FCA-NSM:e1cfdba2-050d-497b-97a7-9714d8af9d35-1
215 shares@ £0.700.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84FCA-NSM:e1cfdba2-050d-497b-97a7-9714d8af9d35-0
191 shares@ £0.78450.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84FCA-NSM:f8af7736-07c9-4919-9854-599e3a980fb6-0
48 sharesN/AISIN GB00B1Z4ST84FCA-NSM:f8af7736-07c9-4919-9854-599e3a980fb6-1
325,998 sharesOutside a trading venueISIN GB00B1Z4ST84FCA-NSM:725c72cd-d842-4631-b46b-99a9fa6a670d
Canonical exit: 7 Dec 2026 (T+90)
47 sharesN/AISIN GB00B1Z4ST84RNS:9725937-1
191 shares@ £0.7860.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84FCA-NSM:3fc4d110-db92-4cb9-aae8-111b88e0fcc0-0
47 sharesN/AISIN GB00B1Z4ST84FCA-NSM:3fc4d110-db92-4cb9-aae8-111b88e0fcc0-1
45,000 shares@ £0.85410.021% mcap30.3% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84FCA-NSM:59a7ca87-0f4f-4319-9a7a-ad3702380441
Canonical exit: 28 Oct 2026 (T+90)
33 sharesN/AISIN GB00B1Z4ST84RNS:9671007-1
33 sharesN/AISIN GB00B1Z4ST84RNS:762fed49-66c5-454f-8902-17ff3e35cf30-1
132 shares@ £1.13620.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:762fed49-66c5-454f-8902-17ff3e35cf30-0
34 sharesN/AISIN GB00B1Z4ST84RNS:9621548-1
133 shares@ £1.130.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:3a1bae8d-fe4d-4785-a976-4f31c988151d-0
34 sharesN/AISIN GB00B1Z4ST84RNS:3a1bae8d-fe4d-4785-a976-4f31c988151d-1
32 sharesN/AISIN GB00B1Z4ST84RNS:9571616-1
129 shares@ £1.1650.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:ddaa0060-2c18-42e2-909c-83fb7f73ddde-0
32 sharesN/AISIN GB00B1Z4ST84RNS:ddaa0060-2c18-42e2-909c-83fb7f73ddde-1
127 shares@ £1.1790.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:e4508281-2c41-4aad-8858-086098c9c556-0
32 sharesN/AISIN GB00B1Z4ST84RNS:e4508281-2c41-4aad-8858-086098c9c556-1
742,571 shares@ £1.13760.046% mcap56.6% of flowOutside a trading venueISIN GB00B1Z4ST84RNS:90dcd579-4c5a-4beb-a8c5-c300872795c0-0
428,313 shares@ £1.13760.029% mcap58.2% of flowOutside a trading venueISIN GB00B1Z4ST84RNS:90dcd579-4c5a-4beb-a8c5-c300872795c0-1
138 shares@ £1.08590.0001% mcap0.1% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:68cf2bb4-d249-402f-a3fe-23b205eed06c-0
34 sharesN/AISIN GB00B1Z4ST84RNS:68cf2bb4-d249-402f-a3fe-23b205eed06c-1
30,000 shares@ £1.0925.4% of flowLondon Stock Exchange (XLON)ISIN GB00B1Z4ST84RNS:17101e43-ea0a-4003-9738-27e70b27b6bc
Canonical exit: 1 Jun 2026 (T+90)
25 of 84 declarations
About Vanquis Banking Group plc
Vanquis Banking Group plc is a UK-listed specialist banking group quoted on the London Stock Exchange (FTSE 100/250/AIM) in the United Kingdom. The company focuses on consumer finance, with an emphasis on the mid-cost and near-prime segments of the credit market. Vanquis traces its roots back to Provident Financial and has been repositioned under the Vanquis Banking Group name to reflect a more focused specialist-banking model. Its registered office is in Bradford, England, and it maintains a meaningful operating presence in the UK, reflecting its long-standing domestic franchise.
The group’s core business lines are credit cards, vehicle finance, personal loans, and, at a smaller scale, second charge mortgages. Vanquis is positioned as a provider for customers who are often underserved by mainstream lenders and who may need a more tailored approach to credit access, underwriting, and customer support. That niche gives the group a distinct market role: it serves everyday borrowing needs, vehicle purchases, and secured lending solutions for a customer base that tends to be more credit-sensitive than prime borrowers.
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Historically, Vanquis has deep experience in UK consumer credit, with more than a century of heritage through its legacy businesses. Over time, the group has moved away from older lending models and built a more integrated specialist bank, increasingly supported by retail deposits, data-led credit assessment, and digital servicing. The strategic direction in recent years has been centered on becoming a more customer-centric, operationally efficient bank with stronger risk controls and improved product breadth.
From a competitive standpoint, Vanquis operates in a tightly regulated segment where underwriting discipline, funding costs, and conduct standards are critical. Its competitive edge comes from long experience in underserved markets, detailed customer data, and a transformation agenda aimed at simplifying operations and improving technology. The Gateway platform is a key part of that modernization effort, intended to improve scalability, customer experience, and long-term efficiency. The company also emphasizes its social purpose and its role in serving consumers who may not be well accommodated by mainstream banks.
Recent developments have been important for investors. In February 2026, Vanquis released its results for the year ended 31 December 2025, following a challenging 2024 that included an adjusted loss, elevated transformation costs, and higher regulatory-related expenses. The company also issued 2026 RNS updates on motor finance redress schemes, a sector-wide issue that remains highly relevant for UK lenders. In addition, Vanquis has continued to file standard Director/PDMR shareholding notifications through RNS, which is common for UK listed companies. Overall, the equity story remains one of turnaround, with management focused on sustainable profitability, tighter risk management, and medium-term value creation.
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