Business Description
Virgin Money UK PLC
ISIN : GB00BD6GN030
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Traded in other countries / regions
VMUK.UKVUK.Australia42YA.GermanyCBBYF.USA IPO Date
2016-07-01Description
Virgin Money UK was formed through the merger between CYBG PLC and Virgin Money. After being divested by National Australia Bank in 2016, CYBG went through a restructuring and recapitalization process, with mortgages accounting for around 75% of its loan book. Following CYBG's merger with Virgin Money, the loan book has been reshaped again, with mortgages now accounting for 79% of total loans, personal loans around 9%, and SME and business loans around 12%.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.75 | |||||
| Equity-to-Asset | 0.06 | |||||
| Debt-to-Equity | 2.86 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.56 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 9.6 | |||||
| 3-Year EPS without NRI Growth Rate | 55.1 | |||||
| 3-Year FCF Growth Rate | -25.8 | |||||
| 3-Year Book Growth Rate | 6.7 | |||||
| Future 3-5Y EPS without NRI Growth Rate | 5 | |||||
| Future 3-5Y Total Revenue Growth Rate | 2.84 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 99.99 | |||||
| 9-Day RSI | 99.6 | |||||
| 14-Day RSI | 97.09 | |||||
| 6-1 Month Momentum % | -18.28 | |||||
| 12-1 Month Momentum % | -18.28 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.07 | |||||
| Dividend Payout Ratio | 0.37 | |||||
| Forward Dividend Yield % | 3.07 | |||||
| 5-Year Yield-on-Cost % | 3.07 | |||||
| 3-Year Average Share Buyback Ratio | 2.2 | |||||
| Shareholder Yield % | -11.52 |
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 10.51 | |||||
| FCF Margin % | 50.35 | |||||
| ROE % | 3.28 | |||||
| ROA % | 0.21 | |||||
| Years of Profitability over Past 10-Year | 4 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 15.41 | |||||
| Forward PE Ratio | 5.19 | |||||
| PE Ratio without NRI | 7.36 | |||||
| PEG Ratio | 1.57 | |||||
| PS Ratio | 1.62 | |||||
| PB Ratio | 0.51 | |||||
| Price-to-Tangible-Book | 0.53 | |||||
| Price-to-Free-Cash-Flow | 3.2 | |||||
| Price-to-Operating-Cash-Flow | 3.13 | |||||
| EV-to-Forward-EBIT | 21.08 | |||||
| EV-to-Revenue | 3.74 | |||||
| EV-to-Forward-Revenue | 9.91 | |||||
| EV-to-FCF | 7.32 | |||||
| Price-to-Projected-FCF | 0.3 | |||||
| Price-to-DCF (Earnings Based) | 0.52 | |||||
| Price-to-DCF (FCF Based) | 0.24 | |||||
| Price-to-Graham-Number | 0.42 | |||||
| FCF Yield % | 33.63 | |||||
| Forward Rate of Return (Yacktman) % | 25.42 |
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