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Vanquis Banking Group (VANQ) investor relations material
Vanquis Banking Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary5 Nov, 2025
Executive summary
Gross customer interest-earning balances rose 8% quarter-on-quarter and 18% year-over-year, reaching £2,652m, with continued profitable growth and resilient product margins.
Statutory profit delivered in Q3 and across the nine months to 30 September 2025, maintaining operational momentum.
Credit quality remains robust, and transformation cost savings are on track, supported by technology initiatives.
Financial highlights
Net receivables increased 8% in the quarter and 21% year-over-year to £2,510m, driven by growth in interest-earning balances and lower impairment coverage on Second Charge Mortgages.
Year-to-date net interest margin (NIM) declined 40bps quarter-on-quarter and 170bps year-over-year to 17.0%, reflecting a shift to lower-yielding products.
Gross customer interest-earning balances expected to exceed £2.7bn for FY25, up from previous guidance of >£2.6bn.
Outlook and guidance
Guidance maintained for a low single-digit statutory Return on Tangible Equity (ROTE) for FY25.
FY25 NIM now expected to be >16.5% (previously >17%), with net interest income in line with prior expectations.
Basis for motor finance provision calculation
How does AT1 issuance support future growth?
Impact of product mix on NIM and net income
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Next Vanquis Banking Group earnings date
H2 202513 Mar, 2026
Next Vanquis Banking Group earnings date
H2 202513 Mar, 2026
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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.
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