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Virgin Money UK ASX:VUK Stock Report

Last Price

AU$4.22

Market Cap

AU$5.4b

7D

-0.7%

1Y

37.5%

Updated

01 Oct, 2024

Data

Company Financials +

Virgin Money UK PLC

ASX:VUK Stock Report

Market Cap: AU$5.4b

This company listing is no longer active

This company may still be operating, however this listing is no longer active. Find out why through their latest events.

VUK Stock Overview

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. More details

VUK fundamental analysis
Snowflake Score
Valuation4/6
Future Growth1/6
Past Performance1/6
Financial Health5/6
Dividends2/6

Rewards

Trading at 55.8% below our estimate of its fair value

Earnings are forecast to grow 9.16% per year

Risk Analysis

Large one-off items impacting financial results

Profit margins (15.8%) are lower than last year (26.1%)


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Virgin Money UK PLC Competitors

BSP Financial Group

ASX:BFL

AU$3.6b

Judo Capital Holdings

ASX:JDO

AU$2.1b

Kina Securities

ASX:KSL

AU$328.3m

ANZ Group Holdings

ASX:ANZ

AU$87.4b

Price History & Performance

Summary of share price highs, lows and changes for Virgin Money UK
Historical stock prices
Current Share PriceUK£4.22
52 Week HighUK£4.27
52 Week LowUK£2.73
Beta1.89
1 Month Change0.96%
3 Month Change3.94%
1 Year Change37.46%
3 Year Change16.25%
5 Year Change114.76%
Change since IPO5.50%

Recent News & Updates

Recent updates

Shareholder Returns

VUKAU BanksAU Market
7D-0.7%2.5%-0.4%
1Y37.5%15.0%-1.7%

Return vs Industry: VUK exceeded the Australian Banks industry which returned 33.4% over the past year.

Return vs Market: VUK exceeded the Australian Market which returned 17.2% over the past year.

Price Volatility

Is VUK's price volatile compared to industry and market?
VUK volatility
VUK Average Weekly Movement1.0%
Banks Industry Average Movement3.6%
Market Average Movement8.4%
10% most volatile stocks in AU Market16.0%
10% least volatile stocks in AU Market3.5%

Stable Share Price: VUK has not had significant price volatility in the past 3 months.

Volatility Over Time: VUK's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18388,110David Duffywww.virginmoneyukplc.com

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.

Virgin Money UK PLC Fundamentals Summary

How do Virgin Money UK's earnings and revenue compare to its market cap?
VUK fundamental statistics
Market capAU$5.45b
Earnings (TTM)AU$482.77m
Revenue (TTM)AU$3.05b

11.3x

P/E Ratio

0.5x

P/B Ratio

Is VUK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VUK income statement (TTM)
RevenueUK£1.58b
Cost of RevenueUK£0
Gross ProfitUK£1.58b
Other ExpensesUK£1.33b
EarningsUK£250.00m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

Nov 19, 2024

Earnings per share (EPS)0.19
Gross Margin100.00%
Net Profit Margin15.84%
Debt/Equity Ratio289.4%

How did VUK perform over the long term?

See historical performance and comparison

Dividends

1.8%

Current Dividend Yield

21%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/10/01 08:55
End of Day Share Price 2024/10/01 00:00
Earnings2024/03/31
Annual Earnings2023/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Virgin Money UK PLC is covered by 24 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Adam BarrassBerenberg
Peter RichardsonBerenberg
Guy StebbingsBNP Paribas Exane