{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "44bc7548-6705-4586-ae9f-338ba8ca017c",
    "symbol": "VANQ",
    "name": "Vanquis Banking Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/44bc7548-6705-4586-ae9f-338ba8ca017c/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "44bc7548-6705-4586-ae9f-338ba8ca017c",
      "symbol": "VANQ",
      "name": "Vanquis Banking Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "VANQ.L",
    "market_cap": 280872288.0,
    "market_cap_usd": 27135968162.6636,
    "price": 112.199997,
    "currency": "GBP",
    "dividend_yield": 0.00891266,
    "dividend_years": 29,
    "dividend_growth_5y": -0.43083585,
    "dividend_cut_5y": true,
    "payout_ratio": 0.0,
    "net_income": 8200000.0,
    "free_cash_flow": 74500000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 6.96635,
    "revenue_growth_5y": -0.01822055,
    "net_margin": 0.02968,
    "roe": 0.01723,
    "pe_ratio": 37.4,
    "price_vs_ma": -0.0245175,
    "return_3y": -0.39049465,
    "return_5y": -0.50441723,
    "max_drawdown": -0.89663252,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 17.0,
      "business_quality": 16.0,
      "valuation": 8.5,
      "trend": 0.0,
      "total": 53.0,
      "confidence": 100.0
    },
    "rating": "weak",
    "rating_label": "Weak Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Debt to equity is elevated at 6.97."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/",
      "chart": "https://sharemaestro.com/terminal/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 17.0,
    "business_quality": 16.0,
    "valuation": 8.5,
    "trend": 0.0,
    "total": 53.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Debt to equity is elevated at 6.97."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend review warning",
      "detail": "Debt to equity is elevated at 6.97.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2024-04-18",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend cut -80.0%",
      "detail": "Payment changed from 5 to 1.",
      "amount": 1.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2024-04-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 1 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 1.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend cut -51.5%",
      "detail": "Payment changed from 10.3 to 5.",
      "amount": 5.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 5 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 5.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2023-04-20",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend increased 106.0%",
      "detail": "Payment changed from 5 to 10.3.",
      "amount": 10.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2023-04-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 10.3 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 10.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2022-08-11",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend cut -58.3%",
      "detail": "Payment changed from 12 to 5.",
      "amount": 5.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2022-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 5 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 5.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2022-04-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend increased 33.3%",
      "detail": "Payment changed from 9 to 12.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2022-04-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 12 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2019-08-15",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "Dividend decreased -10.0%",
      "detail": "Payment changed from 10 to 9.",
      "amount": 9.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2019-08-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 9 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 9.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2019-05-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 10 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 10.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2017-05-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 66.88 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 66.8766,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2016-10-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 31.61 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 31.6091,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2016-05-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 59.19 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 59.1938,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2015-10-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 28.68 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 28.6823,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    },
    {
      "event_date": "2015-05-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VANQ",
      "exchange": "LSE",
      "headline": "VANQ dividend payment 46.76 GBP",
      "detail": "Recorded dividend payment for Vanquis Banking Group plc.",
      "amount": 46.7551,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/44bc7548-6705-4586-ae9f-338ba8ca017c/"
    }
  ]
}