OTCPK:VRGD.F

Stock Analysis Report

Virgin Money Holdings (UK)

Executive Summary

Virgin Money Holdings (UK) plc engages in the retail banking business primarily in the United Kingdom.

Snowflake

Fundamentals

Adequate balance sheet and fair value.


Similar Companies

Share Price & News

How has Virgin Money Holdings (UK)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:VRGD.F

-2.6%

US Banks

-1.0%

US Market


1 Year Return

n/a

OTCPK:VRGD.F

-14.2%

US Banks

-0.4%

US Market


Share holder returns

VRGD.FIndustryMarket
7 Day0%-2.6%-1.0%
30 Day1.8%-5.5%-3.3%
90 Dayn/a-3.5%0.4%
1 Yearn/a-11.8%-14.2%1.8%-0.4%
3 Yearn/a42.2%32.4%39.4%30.4%
5 Yearn/a53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Virgin Money Holdings (UK)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Virgin Money Holdings (UK) undervalued based on future cash flows and its price relative to the stock market?

9.08x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Virgin Money Holdings (UK)'s share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Virgin Money Holdings (UK)'s share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Virgin Money Holdings (UK) is good value based on earnings compared to the US Banks industry average.

Virgin Money Holdings (UK) is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Virgin Money Holdings (UK) earnings are not expected to grow next year, we can't assess if its growth is good value.


Price Based on Value of Assets

Virgin Money Holdings (UK) is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Virgin Money Holdings (UK) expected to perform in the next 1 to 3 years based on estimates from 10 analysts?

-2.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Virgin Money Holdings (UK)'s revenue is expected to grow by 5.5% yearly, however this is not considered high growth (20% yearly).

Virgin Money Holdings (UK)'s earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Virgin Money Holdings (UK)'s revenue growth is positive but not above the United States of America market average.

Virgin Money Holdings (UK)'s earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Virgin Money Holdings (UK)'s earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 3%.


Earnings per Share Growth Estimates


Future Return on Equity

Virgin Money Holdings (UK) is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Virgin Money Holdings (UK) performed over the past 5 years?

29.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Virgin Money Holdings (UK) has delivered over 20% year on year earnings growth in the past 5 years.

Virgin Money Holdings (UK)'s 1-year earnings growth is less than its 5-year average (16.9% vs 29.4%)

Virgin Money Holdings (UK)'s earnings growth has exceeded the US Banks industry average in the past year (16.9% vs 12.8%).


Return on Equity

Virgin Money Holdings (UK) has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Virgin Money Holdings (UK) used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Virgin Money Holdings (UK) has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Virgin Money Holdings (UK)'s financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Virgin Money Holdings (UK) has an acceptable proportion of non-loan assets held.

Virgin Money Holdings (UK) has a low allowance for bad loans.

Virgin Money Holdings (UK)'s liabilities are made up of primarily low risk sources of funding.

Virgin Money Holdings (UK)'s level of assets compared to its equity is very high (i.e. bank has borrowed heavily to fund lending).

Loans at Virgin Money Holdings (UK) are broadly funded by customer deposits.

Virgin Money Holdings (UK) has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Virgin Money Holdings (UK)'s current dividend yield, its reliability and sustainability?

2.16%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Virgin Money Holdings (UK)'s pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.36%).

Virgin Money Holdings (UK)'s dividend is below the markets top 25% of dividend payers in United States of America (3.52%).

Whilst dividend payments have been stable, Virgin Money Holdings (UK) has been paying a dividend for less than 10 years.

Dividend payments have increased, but Virgin Money Holdings (UK) only paid a dividend in the past 3 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (6x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (4.5x coverage).


Next Steps

Management

What is the CEO of Virgin Money Holdings (UK)'s salary, the management and board of directors tenure and is there insider trading?

4.3yrs

Average management tenure


CEO

Jayne-Anne Gadhia (57yo)

11.6yrs

Tenure

UK£2,175,000

Compensation

Ms. Jayne-Anne Gadhia, CBE, BA, MBA, FCA, FCIBS serves as the Chief Executive Officer of Northern Rock plc. Ms. Gadhia serves as the Chief Executive Officer of Virgin Money Group Limited. She serves as the ...


CEO Compensation Analysis

Jayne-Anne's remuneration is about average for companies of similar size in United States of America.

Jayne-Anne's compensation has been consistent with company performance over the past year.


Management Age and Tenure

4.3yrs

Average Tenure

50yo

Average Age

The tenure for the Virgin Money Holdings (UK) management team is about average.


Board Age and Tenure

2.5yrs

Average Tenure

55yo

Average Age

The average tenure for the Virgin Money Holdings (UK) board of directors is less than 3 years, this suggests a new board.


Insider Trading

More shares have been bought than sold by Virgin Money Holdings (UK) insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

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Shares14,299
Max PriceUS$5.16
SellUS$643,67421 Aug 18
Standard Life Aberdeen plc
EntityCompany
Shares124,889
Max PriceUS$5.16
BuyUS$13,64621 Aug 18
Societe Generale Group, Banking Investments
EntityCompany
Shares2,648
Max PriceUS$5.16

Ownership Breakdown


Management Team

  • George Ashworth

    Head of SME Banking Operations

    • Tenure: 3.0yrs
  • Peter Bole (49yo)

    CFO & Executive Director

    • Tenure: 1.8yrs
    • Compensation: £1.02m
  • Hugh Chater

    MD of Core Bank

    • Tenure: 2.3yrs
  • Adam Key

    Investor Relations

    • Tenure: 3.8yrs
  • Matt Elliott (44yo)

    People Director

    • Tenure: 7.8yrs
  • Mark Parker (52yo)

    Chief Operating Officer

    • Tenure: 6.8yrs
  • Ken Donald

    Corporate Development Director

  • Marian Martin (51yo)

    Chief Risk Officer

    • Tenure: 11.8yrs
  • Andrew Emuss (48yo)

    General Counsel

    • Tenure: 4.3yrs
  • Jayne-Anne Gadhia (57yo)

    CEO & Director

    • Tenure: 11.6yrs
    • Compensation: £2.18m

Board Members

  • Eva Eisenschimmel (56yo)

    Independent Non-Executive Director

    • Tenure: 1.8yrs
    • Compensation: £103.00k
  • Peter Bole (49yo)

    CFO & Executive Director

    • Tenure: 1.3yrs
    • Compensation: £1.02m
  • Irene Dorner (64yo)

    Chairman

    • Tenure: 0.5yrs
  • Geeta Gopalan (53yo)

    Independent Non-Executive Director

    • Tenure: 3.3yrs
    • Compensation: £110.00k
  • Darren Pope (53yo)

    Independent Non-Executive Director

    • Tenure: 1.6yrs
    • Compensation: £99.00k
  • Amy Stirling (48yo)

    Non-Executive Director

    • Tenure: 0.8yrs
  • Norman McLuskie (73yo)

    Senior Independent Non-Executive Director

    • Tenure: 8.8yrs
    • Compensation: £145.00k
  • Patrick Charles McCall (54yo)

    Non-Executive Director

    • Tenure: 6.3yrs
    • Compensation: £80.00k
  • Colin Keogh (64yo)

    Independent Non-Executive Director

    • Tenure: 8.8yrs
    • Compensation: £115.00k
  • Jayne-Anne Gadhia (57yo)

    CEO & Director

    • Tenure: 11.6yrs
    • Compensation: £2.18m

Company Information

Virgin Money Holdings (UK) plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Virgin Money Holdings (UK) plc
  • Ticker: VRGD.F
  • Exchange: OTCPK
  • Founded: 1995
  • Industry: diversified banks
  • Sector: banks
  • Market Cap: UK£1.558b
  • Listing Market Cap: UK£2.048b
  • Shares outstanding: 446.07m
  • Website: Click here

Number of Employees


Location

  • Virgin Money Holdings (UK) plc
  • Jubilee House
  • Gosforth
  • Newcastle upon Tyne
  • Tyne and Wear
  • NE3 4PL
  • United Kingdom

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
VM.LSE (London Stock Exchange)YesOrdinary SharesGBGBPNov 2014
VMlBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPNov 2014
V0MDB (Deutsche Boerse AG)YesOrdinary SharesDEEURNov 2014
VRGD.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDNov 2014

Biography

Virgin Money Holdings (UK) plc engages in the retail banking business primarily in the United Kingdom. The company offers current accounts; savings accounts, including cash individual savings accounts (ISA ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/10/15 21:36
End of Day Share Price2018/09/19 00:00
Earnings2018/06/30
Annual Earnings2017/12/31


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.