Stock CYBG VIRGIN MONEY UK PLC
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Financials Virgin Money UK PLC

Equities

CYBG

GB00BD6GN030

Banks

Market Closed - London S.E.
Other stock markets
 11:35:08 2024-04-26 am EDT 		5-day change 1st Jan Change
214.2 GBX -0.37% Intraday chart for Virgin Money UK PLC 0.00% +30.25%
Apr. 25 Virgin Money UK to Redeem GBP300 Million Notes MT
Apr. 22 Virgin Money reports trading remains in line amid Nationwide takeover AN

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,648 1,049 2,943 1,748 2,263 2,777 - -
Enterprise Value (EV) 1 1,648 1,049 2,943 1,748 2,263 2,777 2,777 2,777
P/E ratio -6.42 x -4.77 x 7.49 x 3.85 x 12.1 x 8.62 x 6.77 x 5.69 x
Yield - - 0.49% 8.05% 7.48% 3.77% 4.69% 5.41%
Capitalization / Revenue 0.94 x 0.73 x 1.87 x 1 x 1.24 x 1.48 x 1.43 x 1.4 x
EV / Revenue 0.94 x 0.73 x 1.87 x 1 x 1.24 x 1.48 x 1.43 x 1.4 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.33 x 0.21 x 0.54 x 0.28 x 0.4 x 0.52 x 0.46 x 0.42 x
Nbr of stocks (in thousands) 1,434,472 1,437,946 1,439,993 1,405,946 1,344,441 1,296,473 - -
Reference price 2 1.149 0.7298 2.044 1.243 1.684 2.142 2.142 2.142
Announcement Date 11/28/19 11/25/20 11/4/21 11/21/22 11/23/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,749 1,443 1,572 1,755 1,827 1,882 1,937 1,988
EBITDA - - - - - - - -
EBIT 1 692 625 670 841 902 898.8 937 975.6
Operating Margin 39.57% 43.31% 42.62% 47.92% 49.37% 47.76% 48.38% 49.07%
Earnings before Tax (EBT) 1 -232 -168 417 595 345 489.6 581.2 622.2
Net income 1 -268 -220 395 467 192 321.7 369.9 403.9
Net margin -15.32% -15.25% 25.13% 26.61% 10.51% 17.09% 19.1% 20.32%
EPS 2 -0.1790 -0.1530 0.2730 0.3230 0.1390 0.2484 0.3164 0.3765
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 0.0100 0.1000 0.1260 0.0808 0.1004 0.1158
Announcement Date 11/28/19 11/25/20 11/4/21 11/21/22 11/23/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: Septiembre 2019 S2 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2 2026 S1
Net sales 1 823 817 626 743 829 865 890 933 894 939.5 954.3 963.5 986.9 999.7
EBITDA - - - - - - - - - - - - - -
EBIT 1 477 352 273 283 387 409 432 456 - 419 482 - - -
Operating Margin 57.96% 43.08% 43.61% 38.09% 46.68% 47.28% 48.54% 48.87% - 44.6% 50.51% - - -
Earnings before Tax (EBT) 1 -274 -7 -161 72 345 315 280 236 - 230 296 - - -
Net income 1 -297 -18 -202 40 355 198 269 152 40 146 198 - - -
Net margin -36.09% -2.2% -32.27% 5.38% 42.82% 22.89% 30.22% 16.29% 4.47% 15.54% 20.75% - - -
EPS 2 -0.1810 -0.0120 -0.1410 - 0.2450 0.1370 0.1860 - 0.0290 0.1130 0.1580 - - -
Dividend per Share 2 - - - - 0.0100 - 0.0750 - - 0.0180 0.0650 - - -
Announcement Date 11/28/19 5/6/20 11/25/20 5/5/21 11/4/21 5/5/22 11/21/22 5/4/23 11/23/23 - - - - -
1GBP in Million2GBP
Estimates

Balance Sheet Analysis

Fiscal Period: Septiembre 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.9% 0.4% 7.59% 10.4% 3.21% 7.75% 8.27% 8.23%
ROA (Net income/ Total Assets) 0.54% 0.09% 0.83% 0.6% 0.21% 0.43% 0.45% 0.47%
Assets 1 -49,630 -244,444 47,590 77,833 91,866 75,020 82,607 85,909
Book Value Per Share 2 3.500 3.430 3.800 4.500 4.170 4.140 4.630 5.110
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 11/28/19 11/25/20 11/4/21 11/21/22 11/23/23 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Virgin Money UK PLC

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
15
Last Close Price
2.142 GBP
Average target price
2.149 GBP
Spread / Average Target
+0.34%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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