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Virgin Money PLC

Financial Services AU VUK

4.06AUD
-0.01(0.25%)

Last update at 2024-05-14T06:11:00Z

Day Range

4.064.07
LowHigh

52 Week Range

2.654.18
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Income before tax 345.00M 595.00M 417.00M -168.00000M -232.00000M
Minority interest - - - 0.00000M -33.00000M
Net income 192.00M 467.00M 395.00M -220.00000M -253.00000M
Selling general administrative 370.00M 254.00M 281.00M 253.00M 387.00M
Selling and marketing expenses 660.00M 671.00M 668.00M 664.00M 500.00M
Gross profit 1518.00M 1664.00M 1620.00M 942.00M 1600.00M
Reconciled depreciation 116.00M 179.00M 191.00M 149.00M 108.00M
Ebit 291.00M 525.00M 452.00M -193.00000M -200.00000M
Ebitda -197.00000M -214.00000M -275.00000M -218.00000M -913.00000M
Depreciation and amortization -488.00000M -739.00000M -727.00000M -25.00000M -713.00000M
Non operating income net other - - - - -
Operating income 488.00M 739.00M 727.00M 25.00M 713.00M
Other operating expenses 1173.00M 1069.00M 1203.00M 1110.00M 1832.00M
Interest expense 2146.00M 641.00M 553.00M 854.00M 919.00M
Tax provision 99.00M 58.00M -57.00000M -27.00000M -53.00000M
Interest income 3833.00M 2217.00M 1915.00M 2144.00M 2433.00M
Net interest income 1687.00M 1576.00M 1357.00M 1243.00M 1474.00M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 99.00M 58.00M 57.00M 27.00M 53.00M
Total revenue 1518.00M 1664.00M 1620.00M 942.00M 1600.00M
Total operating expenses 1173.00M 1069.00M 1203.00M 1110.00M 1832.00M
Cost of revenue - - - - -
Total other income expense net -143.00000M -144.00000M -310.00000M -193.00000M -945.00000M
Discontinued operations - - - - -
Net income from continuing ops 246.00M 537.00M 474.00M -141.00000M -194.00000M
Net income applicable to common shares - 467.00M 395.00M -220.00000M -253.00000M
Preferred stock and other adjustments - - - - -
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Total assets 91786.00M 91907.00M 89100.00M 90259.00M 90999.00M
Intangible assets 162.00M 256.00M 362.00M 480.00M 505.00M
Earning assets - - 4485.00M 5270.00M 4581.00M
Other current assets - 11256.00M 8355.00M 273.00M 238.00M
Total liab 86179.00M 15739.00M 83627.00M 85327.00M 85978.00M
Total stockholder equity 5607.00M 6340.00M 5473.00M 4932.00M 5021.00M
Deferred long term liab - - - - -
Other current liab - 1.00M -99.00000M -188.00000M -207.00000M
Common stock - 141.00M 144.00M 147.00M 146.00M
Capital stock 134.00M 141.00M 144.00M 144.00M 146.00M
Retained earnings 3053.00M 3471.00M 3049.00M 2624.00M 2661.00M
Other liab - 2588.00M 2621.00M 2871.00M 3064.00M
Good will 11.00M 11.00M 11.00M 11.00M 11.00M
Other assets - 74079.00M 73633.00M 73794.00M 74105.00M
Cash 11949.00M 12877.00M 10511.00M 10034.00M 11314.00M
Cash and equivalents - - - - -
Total current liabilities - 68645.00M 99.00M 188.00M 207.00M
Current deferred revenue - - - - -
Net debt 4061.00M 2862.00M 3063.00M 4121.00M 5585.00M
Short term debt - - - - 1832.00M
Short long term debt - - - - 1832.00M
Short long term debt total - 15739.00M 13574.00M 14155.00M 16899.00M
Other stockholder equity - 2728.00M 2280.00M 2161.00M 2214.00M
Property plant equipment - 211.00M 250.00M 288.00M 145.00M
Total current assets - 12877.00M 10511.00M 10035.00M 11314.00M
Long term investments 5839.00M 4473.00M 4333.00M 5651.00M 4919.00M
Net tangible assets - 6073.00M 5100.00M 4441.00M 4505.00M
Short term investments - - - - -
Net receivables - 10.00M 23.00M 1.00M 15.00M
Long term debt - 8509.00M 7678.00M 8758.00M 9591.00M
Inventory - - - - -
Accounts payable - 65410.00M 99.00M 188.00M 207.00M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -1.00000M
Accumulated amortization - - - - -
Non currrent assets other - -4951.00000M -4956.00000M -6430.00000M -5580.00000M
Deferred long term asset charges - - - - -
Non current assets total - 4951.00M 4956.00M 6430.00M 5580.00M
Capital lease obligations - - - - -
Long term debt total - 8641.00M 7832.00M 8933.00M 9591.00M
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Investments -869.00000M -1350.00000M 546.00M -685.00000M -591.00000M
Change to liabilities - 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - -1368.00000M 465.00M -737.00000M 3952.00M
Net borrowings - 2496.00M -383.00000M -2788.00000M -429.00000M
Total cash from financing activities 226.00M 300.00M -1267.00000M 666.00M 2295.00M
Change to operating activities - 580.00M 151.00M -1895.00000M -2933.00000M
Net income 192.00M 467.00M 395.00M -220.00000M -253.00000M
Change in cash -938.00000M 2358.00M 439.00M -1317.00000M 4589.00M
Begin period cash flow 12611.00M 10253.00M 9814.00M 11131.00M 6542.00M
End period cash flow 11673.00M 12611.00M 10253.00M 9814.00M 11131.00M
Total cash from operating activities -295.00000M 3426.00M 1241.00M -1246.00000M -2450.00000M
Issuance of capital stock - - - - -
Depreciation 56.00M 51.00M 59.00M 56.50M 26.00M
Other cashflows from investing activities - 47.00M 19.00M 35.00M 27.00M
Dividends paid 202.00M 120.00M 79.00M 79.00M 86.00M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -184.00000M -667.00000M 0.00000M 0.00000M -160.00000M
Other cashflows from financing activities 428.00M 420.00M -1188.00000M 745.00M 2381.00M
Change to netincome - 343.00M 214.00M 741.50M 445.00M
Capital expenditures 9.00M 13.00M 26.00M 14.00M 20.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -260.00000M 974.00M -194.00000M 1802.00M 87.00M
Stock based compensation 6.00M 4.00M 8.00M 10.00M 4.00M
Other non cash items -543.00000M 2908.00M 787.00M -1082.50000M -2223.00000M
Free cash flow -304.00000M 3413.00M 1215.00M -1260.00000M -2470.00000M

Fundamentals

  • Previous Close 4.07
  • Market Cap5308.42M
  • Volume466270
  • P/E Ratio11.97
  • Dividend Yield2.48%
  • EBITDA-
  • Revenue TTM1518.00M
  • Revenue Per Share TTM1.10
  • Gross Profit TTM 1664.00M
  • Diluted EPS TTM0.34

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
VUK
Virgin Money PLC		 -0.01 0.25% 4.06 11.97 6.24 3.54 0.49 - -
BEN
Bendigo And Adelaide Bank Ltd		 -0.02 0.20% 9.92 11.77 10.54 3.02 0.79 - -
BENPG
Bendigo and Adelaide Bank Ltd Cnv Pref 3-bbsw+3.75%		 0.17 0.17% 100.90 105.59 - 3.02 - - -
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 -0.199 0.19% 105.76 110.77 - - - - -
BOQPF
Bank of Queensland Ltd Preferred		 -0.1 0.10% 104.60 169.37 - - - - -

Reports Covered

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Profile

Virgin Money UK PLC provides banking products and services for consumers, and small and medium sized businesses under the Clydesdale Bank, Yorkshire Bank, and Virgin Money brands in the United Kingdom. The company offers savings and current accounts, mortgages, credit cards, and home loans; business loans, overdraft facilities, treasury solutions, and corporate and structured finance; risk management; asset and invoice finance services; international trade services; and home, car, and life and critical illness insurance products. It also offers online and mobile banking, and telephone banking services. The company was formerly known as CYBG PLC and changed its name to Virgin Money UK PLC in October 2019. Virgin Money UK PLC was founded in 1838 and is headquartered in Glasgow, the United Kingdom.

Virgin Money PLC

177 Bothwell Street, Glasgow, United Kingdom, G2 7ER

Key Executives

Name Title Year Born
Mr. David Joseph Duffy B.B.S., MA CEO & Exec. Director 1961
Mr. Clifford James Abrahams CFO & Exec. Director 1967
Mr. Richard Smith Head of Investor Relations NA
Mr. James Richard Peirson Gen. Counsel & Purpose Officer 1978
Ms. Syreeta Brown Group Chief People & Communications Officer NA
Mr. Fergus J. Murphy AMCT, BSc (Mgt), DABS, FIBI, MA Chief Customer Experience Officer 1964
Mr. Hugh Chater Chief Commercial Officer NA
Mr. Fraser Ingram Chief Digital & Innovation Officer NA
Mr. Matthew Magee Head of Media Relations - UK NA
Ms. Susan Poot Group Chief Risk Officer NA

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