)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Vanquis Banking Group
Vanquis Banking Group (VANQ) investor relations material
Vanquis Banking Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary26 Feb, 2026
Executive summary
Returned to profitability in 2025 with profit before tax of £8.3m and statutory profit after tax of £8.7m, reversing significant losses in 2024.
Achieved or exceeded all key commitments and guidance, including customer interest earning balances of £2.8bn, ahead of guidance.
Significant progress on technology transformation (Gateway), driving efficiency, cost savings, and operational improvements.
Enhanced customer proposition with new products, improved risk management, and increased engagement; customer satisfaction and Trustpilot ratings remained high.
Maintained strong credit quality and responsible lending practices, with five consecutive quarters of book growth and four quarters of profitability.
Financial highlights
Profit from continuing operations of £8.3m, with net interest income up 3% to £418.4m and total income up 2% to £454.9m.
Cost-to-income ratio improved to 58.4%, down from 89.4% in FY24, in line with guidance.
Net interest margin (NIM) at 16.8%, reflecting a shift to lower risk, secured lending.
Customer interest earning balances grew 22% to over £2.8bn; retail deposits up 24% to £2,984m.
Credit card balances up 19%; vehicle finance balances down 8%; second charge mortgages up to £599m.
Outlook and guidance
Statutory ROTE guidance: low double digits for 2026, mid-teens for 2027.
Balances expected to exceed £3.3bn in 2026 and £3.7bn in 2027.
NIM expected to reduce to ~15.5% in 2026 and 14.5% in 2027 due to product mix shift.
Cost-to-income ratio targeted to fall to high 40s in 2026 and mid-40s in 2027.
CET1 ratio guidance reduced to >14.5% following capital optimisation.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Vanquis Banking Group
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Vanquis Bank is a UK provider of credit cards, loans, mortgages and insurance. Provident Financial provides personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company operates through Vanquis Bank and Moneybarn segments. Provident Financial plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage