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Edge
Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Vanquis Banking Group
Vanquis Banking Group (VANQ) investor relations material
Vanquis Banking Group Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary6 May, 2026
Executive summary
Gross customer interest-earning balances rose 4% quarter-on-quarter and 27% year-over-year to £2,932m, reflecting continued scale and customer growth.
Statutory profit delivered for Q1 2026, with momentum supporting a low double-digit statutory ROTE target for the full year.
Transformation initiatives, including the Gateway technology program, are driving efficiency and improved customer experience.
Financial highlights
Net receivables increased 4% quarter-on-quarter and 29% year-over-year to £2,802m.
Net interest margin (NIM) declined by 50bps sequentially and 220bps year-over-year to 15.6%, due to a shift toward lower-yield, lower-risk products.
Risk adjusted margin (RAM) held steady at 9.4%, supported by portfolio mix and lower cost of risk.
CET1 capital ratio decreased by 60bps in the quarter to 15.9%, reflecting capital deployment for growth.
Outlook and guidance
All financial guidance remains unchanged, with FY26 NIM expected at approximately 15.5% and statutory ROTE in the low double digits.
Gross customer interest-earning balances are guided to exceed £3.3bn in 2026 and £3.7bn in 2027.
Cost:income ratio expected in the high 40s for 2026, improving to mid-40s in 2027.
Impact of 0% card mix on near-term NIM
Drivers for 1H26 vehicle finance balance decline
Adequacy of the £3.0m motor finance provision
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Latest events from Vanquis Banking Group
- Profitability restored in 2025 with strong growth, efficiency, and a robust outlook to 2027.VANQ
H2 202526 Feb 2026 - Statutory loss of £35.8m in H1 2024, but cost savings and growth support 2025-26 targets.VANQH1 20242 Feb 2026
- Strategic transformation and cost savings set up for profitable growth and improved returns.VANQH2 202417 Dec 2025
- GBP 60m AT1 issuance and GBP 58.5m Tier 2 tender optimize capital and support growth.VANQStatus Update9 Dec 2025
- Profitability restored in H1 2025, driven by balance growth, cost control, and improved credit quality.VANQH1 202523 Nov 2025
- Strong growth in balances and receivables, with limited FCA redress exposure and capital optimization.VANQQ3 2025 TU5 Nov 2025
- Turnaround on track with stable balances, rising receivables, and cost savings progressing.VANQQ3 2024 TU13 Jun 2025
- One-off write-downs and restatements impact Vanquis's capital and FY24 guidance.VANQTrading Update13 Jun 2025
- Profit returns, lending growth, and tech upgrades drive Vanquis's strong Q1 2025.VANQQ1 2025 TU6 Jun 2025
Next Vanquis Banking Group earnings date
H1 20266 Aug, 2026
Vanquis Banking Group
Next Vanquis Banking Group earnings date
H1 20266 Aug, 2026
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Amina0781App Store
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@theshortbearx.com
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