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Virgin Money UK Balance Sheet Health
Financial Health criteria checks 5/6
Virgin Money UK has total assets of £93.0B and total equity of £5.7B. Total deposits are £68.7B, and total loans are £72.3B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 1.6% of total loans. Cash and short-term investments are £13.4B.
Key information
16.4x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | UK£68.72b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£13.40b |
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
Results: Virgin Money UK PLC Beat Earnings Expectations And Analysts Now Have New Forecasts
Nov 27Breakeven Is Near for Virgin Money UK PLC (LON:VMUK)
May 13This Insider Has Just Sold Shares In Virgin Money UK PLC (LON:VMUK)
Mar 09Trade Alert: The Group Human Resources Director Of Virgin Money UK PLC (LON:VMUK), Kate Guthrie, Has Sold Some Shares Recently
Feb 18
What Kind Of Investors Own Most Of Virgin Money UK PLC (LON:VMUK)?
Feb 16Financial 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 (53%).
Low Risk Liabilities: 79% 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 (78%).
Low Risk Deposits: VMUK's Loans to Deposits ratio (105%) is appropriate.
Level of Bad Loans: VMUK has an appropriate level of bad loans (1.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/10/01 22:25 |
| End of Day Share Price | 2024/10/01 00:00 |
| Earnings | 2024/03/31 |
| Annual Earnings | 2023/09/30 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
Analysis Model and Snowflake
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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 .
Analyst Sources
Virgin Money UK PLC is covered by 28 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| T.S. Lim | Bell Potter |
| Adam Barrass | Berenberg |
| Peter Richardson | Berenberg |