Virgin Money UK (VMUK)

Sector:

Banking

Index:

FTSE 250

214.60p
   
  • Change Today:
    -0.40p
  • 52 Week High: 216.20
  • 52 Week Low: 141.90
  • Currency: UK Pounds
  • Shares Issued: 1,296.47m
  • Volume: 1,971,439
  • Market Cap: £2,782.23m
  • RiskGrade: 273

Key Financials

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Growth Metrics 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Annualisation Factor 1.0 1.0 n/a 1.0 1.0
Dividend Yield 3.1% 8.0% 0.5% 0.0% 0.0%
           
Continuing Operations          
PE Ratio - Adjusted 12.0 3.8 7.5 n/a n/a
PE Ratio - Diluted 12.1
12.1		 3.8
3.8		 7.5
7.5		 n/a
n/a		 n/a
n/a
PEG - Adjusted n/a 0.2 n/a n/a n/a
PEG - Diluted n/a
n/a		 0.2
0.2		 n/a
n/a		 n/a
n/a		 n/a
n/a
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Operating Margin 18.88%
18.88%		 34.67%
34.67%		 28.01%
28.01%		 (11.64%)
(11.64%)		 (13.26%)
(28.64%)
           
Continuing & Discontinued Operations          
PE Ratio - Adjusted 12.0 3.8 741.7 n/a n/a
PE Ratio - Diluted 12.1
12.1		 3.8
3.8		 741.7
739.8		 n/a
n/a		 n/a
n/a
PEG - Adjusted n/a 0.0 n/a n/a n/a
PEG - Diluted n/a
n/a		 0.0
0.0		 n/a
n/a		 n/a
n/a		 n/a
n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Net Gearing n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Value Metrics 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Price/Book Value 0.4 0.3 0.6 0.2 0.4
Price/Tangible Book Value 0.4 0.3 0.6 0.2 0.4
Price/ Cash Flow 2.4 0.9 4.9 0.4 4.2
Price/Revenue 1.27 1.04 196.10 0.73 0.93
Price/R&D n/a n/a n/a n/a n/a
Net Asset Value per Share (exc. Intangibles) 395.20p 421.44p 353.68p 308.40p 318.60p
Net Cash per Share n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Annualised Fundamentals 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Continuing Operations          
Revenue 1,827.00 1,716.00 15.03 1,443.00 1,749.00
EBITDA 440.00
440.00		 711.00
711.00		 5.77
5.77		 (168.00)
(168.00)		 (232.00)
(501.00)
Depreciation (95.00)
(95.00)		 (116.00)
(116.00)		 (1.56)
(1.56)		 n/a
n/a		 n/a
n/a
Net Interest n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Profit Before Tax 345.00
345.00		 595.00
595.00		 4.21
4.21		 (168.00)
(168.00)		 (232.00)
(501.00)
           
Revenue per Share 132.87p 119.08p 1.04p 100.21p 123.69p
Pre-Tax Profit per Share 25.09p
25.09p		 41.29p
41.29p		 0.29p
0.29p		 (11.67p)
(11.67p)		 (16.41p)
(35.43p)
Market Capitalisation £ (Millions) 2,263.70 1,750.80 2,943.35 1,049.87 1,648.22
Enterprise Value (EV) £ (Millions) (81,935.30) (82,947.20) 2,930.35 (81,604.13) (83,013.78)
EBITDA/EV (0.54%)
(0.54%)		 (0.86%)
(0.86%)		 0.20%
0.20%		 0.21%
0.21%		 0.28%
0.60%
Operating Margin 18.88%
18.88%		 34.67%
34.67%		 28.01%
28.01%		 (11.64%)
(11.64%)		 (13.26%)
(28.64%)
Capital Employed £ (Millions) 5,682.00 6,473.00 5,500.00 4,887.00 5,165.00
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Invested Equity Capital £ (Millions) 5,855.00 6,740.00 5,873.00 5,378.00 5,681.00
           
Earnings per Share - Basic 14.00p
13.96p		 32.40p
32.41p		 27.30p
27.39p		 (15.30p)
(15.28p)		 (17.90p)
(31.19p)
Earnings per Share - Diluted 13.90p
13.92p		 32.30p
32.34p		 27.30p
27.37p		 (15.30p)
(15.28p)		 (17.90p)
(31.19p)
Earnings per Share - Adjusted 14.00p 32.40p 27.30p (15.30)p (17.90)p
Earnings per Share Growth - Basic -57%
-57%		 19%
18%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Diluted -57%
-57%		 18%
18%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Adjusted -57% 19% n/a n/a n/a
PE Ratio - Diluted 12.1
12.1		 3.8
3.8		 7.5
7.5		 n/a
n/a		 n/a
n/a
PEG - Diluted n/a
n/a		 0.2
0.2		 n/a
n/a		 n/a
n/a		 n/a
n/a
Tax Rate 28.70% 9.75% (13.67%) 16.07% 16.38%
Dividend Cover 2.64
2.63		 3.24
3.24		 27.30
27.39		 n/a
n/a		 n/a
n/a
Interest Cover n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
           
Continuing & Discontinued Operations          
Earnings per Share - Basic 14.00p
13.96p		 32.40p
32.41p		 0.28p
0.28p		 (15.30p)
(15.28p)		 (17.90p)
(32.25p)
Earnings per Share - Diluted 13.90p
13.92p		 32.30p
32.34p		 0.28p
0.28p		 (15.30p)
(15.28p)		 (17.90p)
(32.25p)
Earnings per Share - Adjusted 14.00p 32.40p 0.28p (15.30p) (17.90p)
Earnings per Share Growth - Basic -57%
-57%		 11,658%
11,621%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Diluted -57%
-57%		 11,621%
11,604%		 n/a
n/a		 n/a
n/a		 n/a
n/a
Earnings per Share Growth - Adjusted -57% 11,658% n/a n/a n/a
PE Ratio - Diluted 12.1
12.1		 3.8
3.8		 741.7
739.8		 n/a
n/a		 n/a
n/a
PEG - Diluted n/a
n/a		 0.0
0.0		 n/a
n/a		 n/a
n/a		 n/a
n/a
Dividend Cover 2.64
2.63		 3.24
3.24		 0.28
0.28		 n/a
n/a		 n/a
n/a
Return on Equity (ROE) 3.28%
3.28%		 6.93%
6.93%		 0.07%
0.07%		 (4.09%)
(4.09%)		 (3.41%)
(8.03%)
Operating Cash Flow per Share 69.38p 132.96p 41.40p 172.36p n/a
Gross Cash Flow per Share cn/a cn/a cn/a cn/a cn/a
Cash Incr/Decr per Share (68.22p) 163.64p 0.31p (91.46p) 268.53p
Capital Expenditure per Share n/a n/a n/a n/a n/a
Dividend per Share 5.30p 10.00p 1.00p n/a n/a
Dividend per Share Growth (47.00%) 900.00% n/a n/a n/a
Dividend Yield 3.1% 8.0% 0.5% 0.0% 0.0%
Shareholders Funds 5,607.00 6,340.00 5,473.00 4,932.00 5,021.00
Net Borrowings £ (Millions) n/a n/a n/a n/a n/a
Net Asset Value per Share (inc. Intangibles) 395.20p 421.44p 353.68p 308.40p 318.60p

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing - inc Intangibles 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Shareholders' Funds inc Intangibles 5,607.00 6,340.00 5,473.00 4,932.00 5,021.00
Net Borrowings £ (Millions) n/a n/a n/a n/a n/a
Net Gearing n/a n/a n/a n/a n/a
Cash & Near Cash n/a n/a n/a n/a n/a
Cash n/a n/a n/a n/a n/a
Gross Borrowings n/a n/a n/a n/a n/a
Gross Gearing n/a n/a n/a n/a n/a
Borrowings Under 5 years n/a n/a n/a n/a n/a
Under 5 years n/a n/a n/a n/a n/a
Borrowings Under 1 year n/a n/a n/a n/a n/a
Under 1 year n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Gearing - exc Intangibles 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Shareholders' Funds exc Intangibles 5,434.00 6,073.00 5,100.00 4,441.00 4,505.00
Net Borrowings £ (Millions) n/a n/a n/a n/a n/a
Net Gearing n/a n/a n/a n/a n/a
Cash & Near Cash n/a n/a n/a n/a n/a
Cash n/a n/a n/a n/a n/a
Gross Borrowings n/a n/a n/a n/a n/a
Gross Gearing n/a n/a n/a n/a n/a
Borrowings Under 5 years n/a n/a n/a n/a n/a
Under 5 years n/a n/a n/a n/a n/a
Borrowings Under 1 year n/a n/a n/a n/a n/a
Under 1 year n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Cover 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Quick Ratio n/a n/a n/a n/a n/a
Current Ratio n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Based on operating cash flow before tax

c. Not disclosed under IFRS

d. Includes non-current assets

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Normalised ratios are shown in blue text

Note 6: Forecast figures based on normalised accounts.

 

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