0R15 9025.0 0.0% 0R1E 9410.0 0.0% 0M69 None None% 0R2V 247.99 9682.643% 0QYR 1567.5 0.0% 0QYP 439.3701 -2.9016% 0RUK None None% 0RYA 1597.0 1.2682% 0RIH 195.55 0.0% 0RIH 191.4 -2.1222% 0R1O 225.5 9683.0803% 0R1O None None% 0QFP 10475.8496 107.8542% 0M2Z 252.573 0.2373% 0VSO 33.0 -7.3164% 0R1I None None% 0QZI 622.0 0.0% 0QZ0 220.0 0.0% 0NZF None None% 0YXG 222.05 -4.1318%
Last update at 2024-10-29T18:00:07.764650Z
Form 8.3 - Virgin Money UK PLC 1424
Thu 18 Jul 24, 12:14 PMForm 8.3 - VIRGIN MONEY UK PLC - Amendment
Mon 24 Jun 24, 03:36 PMForm 8.3 - Virgin Money UK plc
Fri 21 Jun 24, 02:37 PM| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Income before tax | 345.00M | 595.00M | 417.00M | -168.00000M | -232.00000M |
| Minority interest | - | - | - | 0.00000M | -33.00000M |
| Net income | 192.00M | 467.00M | 395.00M | -141.00000M | -194.00000M |
| Selling general administrative | 240.00M | 135.00M | - | - | 387.00M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 1827.00M | 1720.00M | 1494.00M | 1450.00M | 1715.00M |
| Reconciled depreciation | 116.00M | 179.00M | 191.00M | 149.00M | 108.00M |
| Ebit | 291.00M | 1166.00M | 338.00M | -247.00000M | -306.00000M |
| Ebitda | 407.00M | 1345.00M | 529.00M | -98.00000M | -198.00000M |
| Depreciation and amortization | 116.00M | 179.00M | 191.00M | 149.00M | 108.00M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 291.00M | 1166.00M | 338.00M | -247.00000M | -306.00000M |
| Other operating expenses | 934.00M | 872.00M | 819.00M | 812.00M | 754.00M |
| Interest expense | 2146.00M | 641.00M | 553.00M | 854.00M | 919.00M |
| Tax provision | 99.00M | 58.00M | -57.00000M | -27.00000M | -38.00000M |
| Interest income | 3833.00M | 2217.00M | 1915.00M | 2144.00M | 2433.00M |
| Net interest income | 1687.00M | 1576.00M | 1357.00M | 1283.00M | 1514.00M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 99.00M | 58.00M | -57.00000M | -27.00000M | -38.00000M |
| Total revenue | 1827.00M | 1720.00M | 1494.00M | 1450.00M | 1715.00M |
| Total operating expenses | 934.00M | 872.00M | 819.00M | 812.00M | 754.00M |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | 54.00M | -571.00000M | 79.00M | 79.00M | 74.00M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 246.00M | 537.00M | 474.00M | -141.00000M | -194.00000M |
| Net income applicable to common shares | - | 467.00M | 395.00M | -220.00000M | -253.00000M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Total assets | 91786.00M | 91907.00M | 89100.00M | 90259.00M | 90999.00M |
| Intangible assets | 162.00M | 256.00M | 362.00M | 480.00M | 505.00M |
| Earning assets | - | - | 4485.00M | 5270.00M | 4581.00M |
| Other current assets | - | 241.00M | 73891.00M | 74014.00M | 74105.00M |
| Total liab | 16010.00M | 85567.00M | 83627.00M | 85327.00M | 85978.00M |
| Total stockholder equity | 5607.00M | 6340.00M | 5473.00M | 4932.00M | 5021.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | 1.00M | -99.00000M | -188.00000M | -207.00000M |
| Common stock | 134.00M | 141.00M | 144.00M | 147.00M | 146.00M |
| Capital stock | 134.00M | 141.00M | 144.00M | 144.00M | 146.00M |
| Retained earnings | 3053.00M | 3471.00M | 3049.00M | 2624.00M | 2661.00M |
| Other liab | - | 2588.00M | 2621.00M | 2871.00M | 3064.00M |
| Good will | 11.00M | 11.00M | 11.00M | 11.00M | 11.00M |
| Other assets | 73575.00M | 74079.00M | 73633.00M | 73794.00M | 74105.00M |
| Cash | 11949.00M | 12877.00M | 10511.00M | 10034.00M | 11314.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | 68645.00M | 99.00M | 188.00M | 207.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 4061.00M | 2862.00M | 3063.00M | 4121.00M | 5585.00M |
| Short term debt | - | - | - | - | 1832.00M |
| Short long term debt | - | - | - | - | 1832.00M |
| Short long term debt total | 16010.00M | 15739.00M | 13574.00M | 14155.00M | 16899.00M |
| Other stockholder equity | 2420.00M | 2728.00M | 2280.00M | 2161.00M | 2214.00M |
| Property plant equipment | - | 211.00M | 250.00M | 288.00M | 145.00M |
| Total current assets | 12015.00M | 12877.00M | 10511.00M | 10035.00M | 11314.00M |
| Long term investments | 5839.00M | 4473.00M | 4333.00M | 5651.00M | 4919.00M |
| Net tangible assets | - | 6073.00M | 5100.00M | 4441.00M | 4505.00M |
| Short term investments | - | - | - | - | - |
| Net receivables | 66.00M | 415.00M | 13.00M | 1.00M | 15.00M |
| Long term debt | - | - | 7678.00M | 8758.00M | 16633.00M |
| Inventory | - | - | - | - | - |
| Accounts payable | - | 65410.00M | 99.00M | 188.00M | 207.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | -204.00000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 147.00M | 146.00M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | -1.00000M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -6196.00000M | -4951.00000M | -4956.00000M | -6430.00000M | -5580.00000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 6196.00M | 4951.00M | 4956.00M | 6430.00M | 5580.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Investments | -869.00000M | -1368.00000M | 546.00M | -685.00000M | -591.00000M |
| Change to liabilities | - | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | -1368.00000M | 465.00M | -737.00000M | 3952.00M |
| Net borrowings | - | 2496.00M | -383.00000M | -2788.00000M | -429.00000M |
| Total cash from financing activities | -1023.00000M | 1810.00M | -623.00000M | -3062.00000M | -542.00000M |
| Change to operating activities | - | 580.00M | 151.00M | -1895.00000M | -2933.00000M |
| Net income | 345.00M | 595.00M | 417.00M | -168.00000M | -232.00000M |
| Change in cash | -938.00000M | 2358.00M | 439.00M | -1317.00000M | 3577.00M |
| Begin period cash flow | 12611.00M | 10253.00M | 9814.00M | 11131.00M | 6542.00M |
| End period cash flow | 11673.00M | 12611.00M | 10253.00M | 9814.00M | 10119.00M |
| Total cash from operating activities | 954.00M | 1916.00M | 597.00M | 2482.00M | 724.00M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 116.00M | 179.00M | 191.00M | 149.00M | 108.00M |
| Other cashflows from investing activities | - | 47.00M | 19.00M | 35.00M | 27.00M |
| Dividends paid | 148.00M | 50.00M | 79.00M | 79.00M | 45.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -112.00000M | -53.00000M | - | 0.00000M | -160.00000M |
| Other cashflows from financing activities | -126.00000M | 4421.00M | 3814.00M | 2488.00M | 46.00M |
| Change to netincome | - | 296.00M | 205.00M | 751.00M | 445.00M |
| Capital expenditures | 20.00M | 66.00M | 106.00M | 92.00M | 150.00M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -260.00000M | 974.00M | -194.00000M | 1802.00M | 424.00M |
| Stock based compensation | 5.00M | 4.00M | 5.00M | 10.00M | 4.00M |
| Other non cash items | -1679.00000M | 164.00M | -1295.00000M | -1273.00000M | -1513.00000M |
| Free cash flow | 934.00M | 1850.00M | 491.00M | 2390.00M | 574.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (GBP) | Price (GBP) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) |
|---|---|---|---|---|---|---|
| VMUK Virgin Money UK PLC |
- -% | - | 9.28 | 4.95 | 1.46 | 0.40 |
| SBID State Bank of India GDR |
- -% | 98.90 | 0.07 | 11.14 | 0.0002 | 1.45 |
| LLOY Lloyds Banking Group PLC |
-0.52 0.95% | 54.30 | 5.34 | 5.91 | 1.52 | 0.66 |
| AXB Axis Bank Ltd GDR |
- -% | 65.80 | 0.18 | - | 0.0005 | 2.39 |
| NWG NatWest Group PLC |
-3.6 0.89% | 400.00 | 4.42 | 5.58 | 1.32 | 0.54 |
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. The company was formerly known as CYBG PLC and changed its name to Virgin Money UK PLC in October 2019. Virgin Money UK PLC was founded in 1838 and is headquartered in Glasgow, the United Kingdom.
40 St Vincent Place, Glasgow, United Kingdom, G1 2HL
| Name | Title | Year Born |
|---|---|---|
| Mr. David Joseph Duffy B.B.S., MA | CEO & Exec. Director | 1961 |
| Mr. Clifford James Abrahams | CFO & Exec. Director | 1967 |
| Mr. Richard Smith | Head of Investor Relations | NA |
| Mr. James Richard Peirson | Gen. Counsel & Purpose Officer | 1978 |
| Ms. Syreeta Brown | Group Chief People & Communications Officer | NA |
| Mr. Fergus J. Murphy AMCT, BSc (Mgt), DABS, FIBI, MA | Chief Customer Experience Officer | 1964 |
| Mr. Hugh Chater | Chief Commercial Officer | NA |
| Mr. Fraser Ingram | Chief Digital & Innovation Officer | NA |
| Mr. Matthew Magee | Head of Media Relations - UK | NA |
| Ms. Susan Poot | Group Chief Risk Officer | NA |
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