Virgin Money UK Balance Sheet Health

Financial Health criteria checks 5/6

Virgin Money UK has total assets of £91.8B and total equity of £5.6B. Total deposits are £66.7B, and total loans are £72.2B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are £1.7B.

Key information

16.4x

Asset to equity ratio

1.9%

Net interest margin

Total deposits

UK£66.69b

Loan to deposit ratio

Appropriate

Bad loans

1.5%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

UK£1.69b

Recent financial health updates

Recent updates

We Ran A Stock Scan For Earnings Growth And Virgin Money UK (LON:VMUK) Passed With Ease

Feb 20
We Ran A Stock Scan For Earnings Growth And Virgin Money UK (LON:VMUK) Passed With Ease

Results: Virgin Money UK PLC Beat Earnings Expectations And Analysts Now Have New Forecasts

Nov 27
Results: Virgin Money UK PLC Beat Earnings Expectations And Analysts Now Have New Forecasts

Breakeven Is Near for Virgin Money UK PLC (LON:VMUK)

May 13
Breakeven Is Near for Virgin Money UK PLC (LON:VMUK)

This Insider Has Just Sold Shares In Virgin Money UK PLC (LON:VMUK)

Mar 09
This Insider Has Just Sold Shares In Virgin Money UK PLC (LON:VMUK)

Trade Alert: The Group Human Resources Director Of Virgin Money UK PLC (LON:VMUK), Kate Guthrie, Has Sold Some Shares Recently

Feb 18
Trade Alert: The Group Human Resources Director Of Virgin Money UK PLC (LON:VMUK), Kate Guthrie, Has Sold Some Shares Recently

What Kind Of Investors Own Most Of Virgin Money UK PLC (LON:VMUK)?

Feb 16
What Kind Of Investors Own Most Of Virgin Money UK PLC (LON:VMUK)?

Virgin Money UK PLC's (LON:VMUK) Has Found A Path To Profitability

Jan 12
Virgin Money UK PLC's (LON:VMUK) Has Found A Path To Profitability

Virgin Money UK's (LON:VMUK) Stock Price Has Reduced 61% In The Past Three Years

Dec 08
Virgin Money UK's (LON:VMUK) Stock Price Has Reduced 61% In The Past Three Years

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: VMUK's Assets to Equity ratio (16.4x) is moderate.

Allowance for Bad Loans: VMUK has a low allowance for bad loans (57%).

Low Risk Liabilities: 77% of VMUK's liabilities are made up of primarily low risk sources of funding.

Loan Level: VMUK has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: VMUK's Loans to Deposits ratio (108%) is appropriate.

Level of Bad Loans: VMUK has an appropriate level of bad loans (1.5%).


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