Stock VUK VIRGIN MONEY UK PLC
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Financials Virgin Money UK PLC Australian S.E.

Equities

VUK

AU0000064966

Banks

Delayed Australian S.E.
Other stock markets
 09:58:25 27/06/2024 am IST 		5-day change 1st Jan Change
4.02 AUD +0.46% Intraday chart for Virgin Money UK PLC -1.71% +29.68%
26/06 Virgin Money UK PLC Announces Board and Committee Changes CI
20/06 Sainsbury's pays NatWest GBP125 million to take on bank arm AN

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,648 1,049 2,943 1,748 2,263 2,785 - -
Enterprise Value (EV) 1 1,648 1,049 2,943 1,748 2,263 2,785 2,785 2,785
P/E ratio -6.42 x -4.77 x 7.49 x 3.85 x 12.1 x 7.35 x 6.88 x 5.99 x
Yield - - 0.49% 8.05% 7.48% 3.99% 4.51% 5.01%
Capitalization / Revenue 0.94 x 0.73 x 1.87 x 1 x 1.24 x 1.48 x 1.43 x 1.4 x
EV / Revenue 0.94 x 0.73 x 1.87 x 1 x 1.24 x 1.48 x 1.43 x 1.4 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.33 x 0.21 x 0.54 x 0.28 x 0.4 x 0.55 x 0.48 x 0.44 x
Nbr of stocks (in thousands) 14,34,472 14,37,946 14,39,993 14,05,946 13,44,441 12,96,473 - -
Reference price 2 1.149 0.7298 2.044 1.243 1.684 2.148 2.148 2.148
Announcement Date 28/11/19 25/11/20 04/11/21 21/11/22 23/11/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,749 1,443 1,572 1,755 1,827 1,886 1,944 1,984
EBITDA - - - - - - - -
EBIT 1 692 625 670 841 902 877.5 917.2 940.1
Operating Margin 39.57% 43.31% 42.62% 47.92% 49.37% 46.52% 47.19% 47.39%
Earnings before Tax (EBT) 1 -232 -168 417 595 345 497.2 570.8 603
Net income 1 -268 -220 395 467 192 387.5 375.9 395.5
Net margin -15.32% -15.25% 25.13% 26.61% 10.51% 20.54% 19.34% 19.94%
EPS 2 -0.1790 -0.1530 0.2730 0.3230 0.1390 0.2922 0.3123 0.3585
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 0.0100 0.1000 0.1260 0.0856 0.0969 0.1076
Announcement Date 28/11/19 25/11/20 04/11/21 21/11/22 23/11/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2 2026 S1 2026 S2
Net sales 1 817 626 743 829 865 890 933 894 940 933 935.7 955.6 965.1 984.4
EBITDA - - - - - - - - - - - - - -
EBIT 1 352 273 283 387 409 432 456 - 438 482 - - - -
Operating Margin 43.08% 43.61% 38.09% 46.68% 47.28% 48.54% 48.87% - 46.6% 51.66% - - - -
Earnings before Tax (EBT) 1 -7 -161 72 345 315 280 236 - 279 296 - - - -
Net income 1 -18 -202 40 355 198 269 152 40 210 180 - - - -
Net margin -2.2% -32.27% 5.38% 42.82% 22.89% 30.22% 16.29% 4.47% 22.34% 19.29% - - - -
EPS 2 -0.0120 -0.1410 - 0.2450 0.1370 0.1860 - 0.0290 0.1590 0.1580 - - - -
Dividend per Share 2 - - - 0.0100 - 0.0750 - - - 0.0650 - - - -
Announcement Date 06/05/20 25/11/20 05/05/21 04/11/21 05/05/22 21/11/22 04/05/23 23/11/23 13/06/24 - - - - -
1GBP in Million2GBP
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.9% 0.4% 7.59% 10.4% 3.21% 9.55% 8.05% 7.78%
ROA (Net income/ Total Assets) 0.54% 0.09% 0.83% 0.6% 0.21% 0.6% 0.45% 0.42%
Assets 1 -49,630 -2,44,444 47,590 77,833 91,866 64,583 82,919 93,421
Book Value Per Share 2 3.500 3.430 3.800 4.500 4.170 3.890 4.470 4.890
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 28/11/19 25/11/20 04/11/21 21/11/22 23/11/23 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Virgin Money UK PLC

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
11
Last Close Price
2.148 GBP
Average target price
2.143 GBP
Spread / Average Target
-0.25%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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