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Virgin Money UK BATS-CHIXE:VMUKL Stock Report

Last Price

UK£2.18

Market Cap

UK£2.8b

7D

0.2%

1Y

37.9%

Updated

01 Oct, 2024

Data

Company Financials +

Virgin Money UK PLC

BATS-CHIXE:VMUKL Stock Report

Market Cap: UK£2.8b

This company listing is no longer active

This company may still be operating, however this listing is no longer active.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.

VMUKL 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

VMUKL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth2/6
Past Performance1/6
Financial Health5/6
Dividends2/6

Rewards

Trading at 59.3% below our estimate of its fair value

Earnings are forecast to grow 9.16% per year

Risk Analysis

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

Large one-off items impacting financial results


Community vs My Fair Value

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Virgin Money UK PLC Competitors

Halyk Bank of Kazakhstan

LSE:HSBK

US$6.9b

TCS Group Holding

LSE:TCS

US$5.1b

TBC Bank Group

LSE:TBCG

UK£2.3b

Lion Finance Group

LSE:BGEO

UK£2.4b

Price History & Performance

Summary of share price highs, lows and changes for Virgin Money UK
Historical stock prices
Current Share PriceUK£2.18
52 Week HighUK£2.19
52 Week LowUK£1.41
Beta1.89
1 Month Change0.97%
3 Month Change1.73%
1 Year Change37.87%
3 Year Change9.40%
5 Year Change108.43%
Change since IPO7.84%

Recent News & Updates

Recent updates

Shareholder Returns

VMUKLGB BanksGB Market
7D0.2%-1.8%-0.5%
1Y37.9%48.0%5.6%

Return vs Industry: VMUKL exceeded the UK Banks industry which returned 13.9% over the past year.

Return vs Market: VMUKL exceeded the UK Market which returned 8.5% over the past year.

Price Volatility

Is VMUKL's price volatile compared to industry and market?
VMUKL volatility
VMUKL Average Weekly Movement0.2%
Banks Industry Average Movement4.8%
Market Average Movement5.0%
10% most volatile stocks in GB Market9.8%
10% least volatile stocks in GB Market2.8%

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

Volatility Over Time: VMUKL's weekly volatility has decreased from 6% to 0% 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?
VMUKL fundamental statistics
Market capUK£2.82b
Earnings (TTM)UK£250.00m
Revenue (TTM)UK£1.58b

11.3x

P/E Ratio

0.5x

P/B Ratio

Is VMUKL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VMUKL 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 VMUKL 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 07:09
End of Day Share Price 2024/09/27 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