Virgin Money UK PLC

Symbol: CYBBF

PNK

2.03

USD

Market price today

  • 11.4179

    P/E Ratio

  • 0.7677

    PEG Ratio

  • 3.28B

    MRK Cap

  • 0.03%

    DIV Yield

Virgin Money UK PLC (CYBBF) Stock Price & Analysis

Shares Outstanding

1613.9M

Gross Profit Margin

1.00%

Operating Profit Margin

-0.01%

Net Profit Margin

0.05%

Return on Assets

0.00%

Return on Equity

0.03%

Return on Capital Employed

-0.00%

Company general description and statistics

Sector: Financial Services
Industry: Banks—Regional
CEO:Mr. David Joseph Duffy B.B.S., MA
Full-time employees:8110
City:Glasgow
Address:40 St Vincent Place
IPO:2016-03-22
CIK:

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; asset and invoice finance services; risk management; 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.

General Outlook

In simple terms, Virgin Money UK PLC has 1613.9 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is -0.013%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.047%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.002% return, is a testament to Virgin Money UK PLC's adeptness in optimizing resource deployment. Virgin Money UK PLC's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.034%. Furthermore, the proficiency of Virgin Money UK PLC in capital utilization is underscored by a remarkable -0.001% return on capital employed.

Stock Prices

Virgin Money UK PLC's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $2.15, while its low point bottomed out at $2.15. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Virgin Money UK PLC's stock market.

Liquidity Ratios

Analyzing CYBBF liquidity ratios reveals its financial health of the firm. The current ratio of 24.39% gauges short-term asset coverage for liabilities. The quick ratio (24.39%) assesses immediate liquidity, while the cash ratio (24.25%) indicates cash reserves.

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Current Ratio24.39%
Quick Ratio24.39%
Cash Ratio24.25%

Profitability Ratios

CYBBF profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 8.53% underscores its earnings before tax deductions. The effective tax rate stands at 28.70%, revealing its tax efficiency. The net income per EBT, 55.65%, and the EBT per EBIT, -638.89%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of -1.34%, we grasp its operational profitability.

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Pretax Profit Margin8.53%
Effective Tax Rate28.70%
Net Income per EBT55.65%
EBT per EBIT-638.89%
EBIT per Revenue-1.34%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.24, it details the span from stock purchase to revenue.

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Days of Sales Outstanding24
Receivables Turnover61.26
Fixed Asset Turnover21.97
Asset Turnover0.04

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 0.27, and free cash flow per share, 0.25, depict cash generation on a per-share basis. The cash per share value, 8.89, showcases liquidity position. A payout ratio of 0.77 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.09, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share0.27
Free Cash Flow per Share0.25
Cash per Share8.89
Payout Ratio0.77
Operating Cash Flow Sales Ratio0.09
Free Cash Flow to Operating Cash Flow Ratio0.94
Cash Flow Coverage Ratio0.02
Short Term Coverage Ratio0.07
Capital Expenditure Coverage Ratio17.95
Dividend Paid and Capex Coverage Ratio2.14
Dividend Payout Ratio0.06

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 23.20%, highlights its total liabilities relative to assets. With a debt-equity ratio of 3.80, we discern the balance between debt and equity financing. The long-term debt to capitalization, 74.06%, and total debt to capitalization, 79.16%, ratios shed light on its capital structure. An interest coverage of -0.10 indicates its ability to manage interest expenses.

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Debt Ratio23.20%
Debt Equity Ratio3.80
Long Term Debt to Capitalization74.06%
Total Debt to Capitalization79.16%
Interest Coverage-0.10
Cash Flow to Debt Ratio0.02
Company Equity Multiplier16.37

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 1.33, provides a glimpse into top-line earnings distributed across each share. Net income per share, 0.14, reflects the portion of profit attributed to each share. The book value per share, 4.08, represents the net asset value distributed per share, while the tangible book value per share, 54.98, excludes intangible assets.

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Revenue Per Share1.33
Net Income Per Share0.14
Book Value Per Share4.08
Tangible Book Value Per Share54.98
Shareholders Equity Per Share4.08
Interest Debt Per Share17.05
Capex Per Share-0.01

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 6.22%, indicates top-line expansion, while the gross profit growth, 6.22%, reveals profitability trends. EBIT growth, -44.57%, and operating income growth, -44.57%, offer insights into operational profitability progression. The net income growth, -58.89%, showcases bottom-line expansion, and the EPS growth, -59.38%, measures the growth in earnings per share.

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Revenue Growth6.22%
Gross Profit Growth6.22%
EBIT Growth-44.57%
Operating Income Growth-44.57%
Net Income Growth-58.89%
EPS Growth-59.38%
EPS Diluted Growth-59.38%
Dividends per Share Growth196.00%
Operating Cash Flow Growth-50.21%
Free Cash Flow Growth-49.51%
10-Year Revenue Growth per Share16.25%
5-Year Revenue Growth per Share11.19%
3-Year Revenue Growth per Share25.65%
10-Year Operating CF Growth per Share-84.86%
5-Year Operating CF Growth per Share151.97%
3-Year Operating CF Growth per Share-61.67%
10-Year Net Income Growth per Share365.72%
5-Year Net Income Growth per Share165.01%
3-Year Net Income Growth per Share187.03%
10-Year Shareholders Equity Growth per Share51.82%
5-Year Shareholders Equity Growth per Share7.86%
3-Year Shareholders Equity Growth per Share13.37%
5-Year Dividend per Share Growth per Share907.85%
3-Year Dividend per Share Growth per Share86.82%
Receivables Growth-24.14%
Inventory Growth7.32%
Asset Growth-0.13%
Book Value per Share Growth-11.56%
Debt Growth1.72%
SGA Expenses Growth77.78%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 6,506,439,562.5, captures the company's total value, considering both debt and equity. Income quality, 2.77, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 0.19%, indicates the value of non-physical assets, and capex to operating cash flow, -2.10%, measures reinvestment capability.

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Enterprise Value6,506,439,562.5
Income Quality2.77
Sales General and Administrative to Revenue0.13
Intangibles to Total Assets0.19%
Capex to Operating Cash Flow-2.10%
Capex to Revenue-1.09%
Capex to Depreciation-17.24%
Stock-Based Compensation to Revenue0.27%
Graham Number3.58
Return on Tangible Assets0.21%
Graham Net Net-7.09
Working Capital-37,255,000,000
Tangible Asset Value75,603,000,000
Net Current Asset Value-3,995,000,000
Invested Capital4
Average Receivables76,500,000
Average Inventory-11,920,000,000
Days Sales Outstanding13
ROIC0.77%
ROE0.03%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.39, and the price to book ratio, 0.39, reflect the market's valuation relative to the company's book value. The price to sales ratio, 0.65, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 7.76, and price to operating cash flows, 6.11, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.39
Price to Book Ratio0.39
Price to Sales Ratio0.65
Price Cash Flow Ratio6.11
Price Earnings to Growth Ratio0.77
Enterprise Value Multiple-23.06
Price Fair Value0.39
Price to Operating Cash Flow Ratio6.11
Price to Free Cash Flows Ratio7.76
Price to Tangible Book Ratio0.44
Enterprise Value to Sales3.56
Enterprise Value Over EBITDA15.99
EV to Operating Cash Flow6.82
Earnings Yield7.85%
Free Cash Flow Yield38.19%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Virgin Money UK PLC (CYBBF) on the PNK in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 11.418 in 2024.

What is the ticker symbol of Virgin Money UK PLC stock?

The ticker symbol of Virgin Money UK PLC stock is CYBBF.

What is company IPO date?

IPO date of Virgin Money UK PLC is 2016-03-22.

What is company current share price?

Current share price is 2.030 USD.

What is stock market cap today?

The market cap of stock today is 3283984005.000.

What is PEG ratio in 2024?

The current 0.768 is 0.768 in 2024.

What is the number of employees in 2024?

In 2024 the company has 8110.