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Virgin Money UK stock

VMUK.L
GB00BD6GN030
A2AD8K

Price

2.18 GBP
Today +/-
+0 GBP
Today %
+0 %

Virgin Money UK stock price

GBP
%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Virgin Money UK stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Virgin Money UK stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Virgin Money UK stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Virgin Money UK's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Virgin Money UK Stock Price History

DateVirgin Money UK Price
9/30/20242.18 GBP
9/27/20242.18 GBP

Virgin Money UK Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Virgin Money UK, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Virgin Money UK from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Virgin Money UK’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Virgin Money UK. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Virgin Money UK’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Virgin Money UK’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Virgin Money UK’s growth potential.

Virgin Money UK Revenue, EBIT and net profit per share

DateVirgin Money UK RevenueVirgin Money UK Net Income
2028e2.01 B GBP379.34 M GBP
2027e1.99 B GBP366.25 M GBP
2026e2.01 B GBP488.82 M GBP
2025e1.95 B GBP458.76 M GBP
2024e1.9 B GBP418.47 M GBP
20234.03 B GBP192 M GBP
20222.41 B GBP467 M GBP
20210 GBP395 M GBP
20200 GBP-220 M GBP
20190 GBP-253 M GBP
20180 GBP-174 M GBP
20170 GBP153 M GBP
20160 GBP-198 M GBP
20150 GBP-243 M GBP
20140 GBP-198 M GBP
20130 GBP-44 M GBP
20120 GBP-656 M GBP

Virgin Money UK Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B GBP)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B GBP)EBIT (M GBP)EBIT MARGIN (%)NET INCOME (M GBP)NET INCOME GROWTH (%)DIV. (GBP)DIV. GROWTH (%)SHARES (B)DOCUMENTS
2012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
00000000002.414.031.91.952.011.992.01
-----------67.19-52.792.522.87-0.750.70
----------69.0241.2887.4485.2982.9183.5382.95
00000000001.66000000
0000000000804352851845853898921
-----------------
-656-44-198-243-198153-174-253-220395467192418458488366379
--93.29350.0022.73-18.52-177.27-213.7345.40-13.04-279.5518.23-58.89117.719.576.55-25.003.55
-----------------
-----------------
0.880.880.880.850.880.880.891.411.441.441.441.3800000
-----------------
Details

Keystats

ⓘ

Revenue and Growth

The Virgin Money UK Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Virgin Money UK is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B GBP)RECEIVABLES (M GBP)OTHER REC. (M GBP)INVENTORIES (M GBP)OTHER CURRENT LIAB. (B GBP)CURRENT ASSETS (B GBP)TANGIBLE ASSETS (M GBP)LONG-T. INVEST. (M GBP)LONG-T. REC. (M GBP)INTANGIBLE ASSETS (M GBP)GOODWILL (M GBP)OTHER NON-CURRENT ASSETS (B GBP)NON-CURRENT ASSETS (B GBP)TOTAL ASSETS (B GBP)LIABILITIESCOMMON STOCK (B GBP)ADDITIONAL PAID-IN CAPITAL (M GBP)RETAINED EARNINGS (B GBP)OTHER EQUITY (B GBP)UNREAL. GAINS/LOSSES (M GBP)EQUITY (B GBP)LIABILITIES (M GBP)PROVISIONS (M GBP)OTHER SHORT-TERM LIAB. (k GBP)SHORT-TERM DEBTS (B GBP)LONG-TERM DEBT PORTION (B GBP)SHORT-TERM REC. (B GBP)LONG-T. LIAB. (B GBP)DEFERRED TAXES (M GBP)OTHER LIAB. (B GBP)LONG-T. LIABILITIES (B GBP)DEBT (B GBP)TOTAL CAPITAL (B GBP)
201220132014201520162017201820192020202120222023
                       
00000000002.041.69
000000000000
000000000000
000000000000
000000000011.2610.52
000000000013.312.2
1401331211099986881452882502110
332200000000
00000000001087
198215213265256339412505480362256162
00000001111111111
0.310.270.40.440.180.360.420.721.051.221.150.71
0.650.620.730.820.540.790.921.381.831.851.630.97
0.650.620.730.820.540.790.921.381.831.8514.9313.17
                       
1.681.681.880.220.090.090.090.160.160.160.150.14
8930067000033579
-0.160.570.362.12.672.862.653.963.924.354.774.36
000.30.450.450.450.450.890.840.931.371.09
0000000121133437
2.422.252.543.443.213.43.195.024.935.476.345.61
23621217512513665602071889974294
83807813615216312513094767467
00000000001,0000
0.0800.6401.233.773.068.865.45.98.446.84
00000000001.551.9
0.40.290.90.261.513.993.249.25.686.0710.149.11
3.193.093.453.774.54.794.979.598.937.838.649.82
3971010277577201274296350179
11.136.126.234.483.593.243.053.142.852.532.572.27
14.359.229.698.268.128.18.112.9312.0510.6611.5612.27
14.759.5110.598.529.6312.0911.3422.1317.7316.7321.721.38
17.1711.7613.1311.9612.8415.514.5327.1522.6722.2128.0426.99
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Virgin Money UK provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Virgin Money UK's financial health and stability.

Assets

Virgin Money UK's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Virgin Money UK must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Virgin Money UK after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Virgin Money UK's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M GBP)DEPRECIATION (M GBP)DEFERRED TAXES (M GBP)CHANGES IN WORKING CAPITAL (B GBP)NON-CASH ITEM (M GBP)PAID INTEREST (B GBP)PAID TAXES (M GBP)NET CASH FLOW FROM OPERATING ACTIVITIES (B GBP)CAPITAL EXPENDITURES (M GBP)CASH FLOW FROM INVESTING ACTIVITIES (B GBP)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B GBP)INTEREST INCOME AND EXPENSES (M GBP)NET DEBT CHANGE (B GBP)NET CHANGE IN EQUITY (B GBP)CASH FLOW FROM FINANCING ACTIVITIES (B GBP)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B GBP)TOTAL DIVIDENDS PAID (M GBP)NET CHANGE IN CASH FLOW (B GBP)FREE CASH FLOW (M GBP)SHARE-BASED COMPENSATION (M GBP)
201220132014201520162017201820192020202120222023
-803-49-234-28577268-164-232-168417595345
75767883888789108149191179116
000000000000
0.144.560.351.390.25-0.02-0.211.913.761.272.72.13
-715-747-767-840-770-863-845-1,395-1,262-1,285-1,557-1,632
000000.350.270.830.880.620.621.92
-3-30-1815-4-10812275948
-1.33.84-0.570.35-0.36-0.53-1.130.392.480.61.920.95
-78-106-98-138-121-169-166-150-92-106-66-20
0.05-0.06-0.25-0.38-0.29-0.550.333.95-0.740.47-1.37-0.87
0.130.05-0.15-0.24-0.17-0.380.54.1-0.650.57-1.3-0.85
000000000000
-0.39-0.070.39-0.73-0.282.210.52-0.43-2.79-0.382.50.11
0.500.21.02-0.46000.2500-0.05-0.11
3.33-5.180.160.480.272.090.39-0.54-3.06-0.621.81-1.02
3.22-5.11-0.420.191-0.12-0.13-0.32-0.27-0.24-0.58-0.87
000000-9-4500-50-148
2.08-1.4-0.660.44-0.391-0.413.8-1.320.442.36-0.94
-1,3783,732-667211-480-701-1,2912372,3904911,850934
000000000000

Virgin Money UK stock margins

The Virgin Money UK margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Virgin Money UK. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Virgin Money UK.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Virgin Money UK's sales revenue. A higher gross margin percentage indicates that the Virgin Money UK retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Virgin Money UK's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Virgin Money UK's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Virgin Money UK's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Virgin Money UK. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Virgin Money UK's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Virgin Money UK Margin History

DateVirgin Money UK Profit margin
2028e18.91 %
2027e18.39 %
2026e24.36 %
2025e23.51 %
2024e21.99 %
20234.76 %
202219.37 %
20210 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %

Virgin Money UK Stock Sales Revenue, EBIT, Earnings per Share

The Virgin Money UK earnings per share therefore indicates how much revenue Virgin Money UK has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Virgin Money UK earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Virgin Money UK's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Virgin Money UK’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Virgin Money UK's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Virgin Money UK Revenue, EBIT and net profit per share

DateVirgin Money UK Sales per ShareVirgin Money UK Earnings per Share
2028e1.55 GBP0.29 GBP
2027e1.54 GBP0.28 GBP
2026e1.55 GBP0.38 GBP
2025e1.5 GBP0.35 GBP
2024e1.47 GBP0.32 GBP
20232.92 GBP0.14 GBP
20221.67 GBP0.32 GBP
20210 GBP0.27 GBP
20200 GBP-0.15 GBP
20190 GBP-0.18 GBP
20180 GBP-0.2 GBP
20170 GBP0.17 GBP
20160 GBP-0.23 GBP
20150 GBP-0.29 GBP
20140 GBP-0.23 GBP
20130 GBP-0.05 GBP
20120 GBP-0.75 GBP

Virgin Money UK business model

Virgin Money UK PLC is a financial services company that was founded in 1995 by Sir Richard Branson and has its headquarters in Newcastle upon Tyne, United Kingdom. Originally known as "Virgin Direct," the company offered financial products such as savings and credit accounts, as well as insurance. Later, it expanded its offerings to include credit cards and mortgages. The business model of Virgin Money UK PLC focuses on creating a "new kind of bank" that stands out through innovative customer experiences. The company combines digital and physical offerings to provide customers with the best possible experience. Virgin Money describes itself as "customer-centric" and aims to convince customers through simplicity, transparency, and fair prices. Virgin Money UK has various divisions, including retail, business banking, private banking, and capital markets. In the retail sector, the company offers a wide range of products and services, including current accounts, savings products, credit cards, insurance, loans, and mortgages. In business banking, Virgin Money UK focuses on small and medium-sized enterprises, providing them with tailored financial solutions. In the private banking sector, the company offers a range of products specifically designed for affluent clients, including investment and wealth management products. In the capital markets, the company works closely with institutional clients, offering support for bond issuance, transaction structuring, and financing mergers and acquisitions. Virgin Money UK places a particular focus on sustainability and social responsibility. The company aims to achieve a net-zero emissions balance by 2030 and works closely with local communities and organizations to support socially disadvantaged groups. In summary, Virgin Money UK PLC is an innovative and customer-focused financial services company. It offers a wide range of products and services tailored to individual customer needs. The company emphasizes transparency, sustainability, and social responsibility, making it a leader in the industry. Virgin Money UK is one of the most popular companies on Eulerpool.com.

Virgin Money UK SWOT Analysis

Strengths

1. Strong Brand Recognition:

Virgin Money UK PLC benefits from a reputable and well-known brand name, which helps to attract customers and build trust.

2. Diverse Product Portfolio:

The company offers a wide range of financial products, including banking services, mortgages, savings accounts, credit cards, and insurance, providing customers with a comprehensive solution for their financial needs.

3. Strong Digital Presence:

Virgin Money UK PLC has invested in developing a robust digital platform, allowing customers to conveniently access and manage their accounts online, which enhances customer experience and saves costs.

Weaknesses

1. Limited Geographical Presence:

The company primarily operates in the United Kingdom, limiting its market reach compared to competitors with a more global presence.

2. Reliance on the UK Economy:

Virgin Money UK PLC's performance is heavily influenced by the overall economic conditions in the UK. Any economic downturn can adversely affect the company's profitability and growth.

Opportunities

1. Expansion into New Markets:

The company can explore opportunities to expand its operations into new geographical regions, diversifying its customer base and reducing reliance on the UK market.

2. Fintech Partnerships:

By collaborating with fintech companies, Virgin Money UK PLC can leverage innovative technologies and services to enhance its digital offerings, attract new customers, and improve operational efficiency.

Threats

1. Intense Competition:

The financial industry in the UK is highly competitive, with numerous established players and new entrants. Virgin Money UK PLC faces the threat of losing market share to competitors offering similar products and services.

2. Regulatory Risks:

The company operates in a heavily regulated industry, and changes in regulations or compliance requirements can increase operational costs and impact business operations.

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Virgin Money UK Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Virgin Money UK historical P/E ratio, EBIT multiple, and P/S ratio

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Virgin Money UK shares outstanding

The number of shares was Virgin Money UK in 2024 — This indicates how many shares 1.379 B is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Virgin Money UK earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Virgin Money UK's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Virgin Money UK’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Virgin Money UK's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Virgin Money UK dividend history and estimates

In 2024, Virgin Money UK paid a dividend amounting to 0.07 GBP. Dividend means that Virgin Money UK distributes a portion of its profits to its owners.

  • 3 years

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  • Max

Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Virgin Money UK provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Virgin Money UK’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Virgin Money UK's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Virgin Money UK Dividend History

DateVirgin Money UK Dividend
2028e0.12 GBP
2027e0.12 GBP
2026e0.12 GBP
2025e0.12 GBP
2024e0.12 GBP
20230.11 GBP
20220.04 GBP
20210.01 GBP
20190.03 GBP
20180.01 GBP

Virgin Money UK dividend payout ratio

In 2024, Virgin Money UK had a payout ratio of 7.26%. The payout ratio indicates the percentage of the company's profits that Virgin Money UK distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Virgin Money UK represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Virgin Money UK could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Virgin Money UK's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Virgin Money UK Payout Ratio History

DateVirgin Money UK Payout ratio
2028e7.97 %
2027e7.79 %
2026e7.66 %
2025e8.45 %
2024e7.26 %
20237.26 %
202210.82 %
20213.7 %
20207.26 %
2019-17.22 %
2018-5 %
20177.26 %
20167.26 %
20157.26 %
20147.26 %
20137.26 %
20127.26 %
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Unfortunately, there are currently no price targets and forecasts available for Virgin Money UK.

Virgin Money UK latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20230.14 GBP0.13 GBP (-13.43 %)2023 Q4
3/31/20230.14 GBP0.15 GBP (3.4 %)2023 Q2
9/30/20220.17 GBP0.25 GBP (47.18 %)2022 Q4
3/31/20220.17 GBP0.18 GBP (2.39 %)2022 Q2
9/30/20210.24 GBP0.33 GBP (40.05 %)2021 Q4
3/31/20210.02 GBP0.15 GBP (616.02 %)2021 Q2
9/30/2020-0.02 GBP-0.02 GBP (-12.5 %)2020 Q4
3/31/20200.03 GBP0.07 GBP (166.54 %)2020 Q2
9/30/20190.1 GBP0.15 GBP (43.98 %)2019 Q4
3/31/20190.13 GBP0.14 GBP (10.22 %)2019 Q2
1
2

Eulerpool ESG Scorecard© for the Virgin Money UK stock

Eulerpool World ESG Rating (EESG©)

89/ 100

🌱 Environment

87

👫 Social

99

🏛️ Governance

81

Environment

Scope 1 - Direct Emissions
2,677
Scope 2 - Indirect emissions from purchased energy
6,002
Scope 3 - Indirect emissions within the value chain
55,038
Total CO₂ emissions
8,679
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees58
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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Virgin Money UK shareholders

%
Name
Stocks
Change
Date
14.56666 % Virgin Group Holdings, Ltd.188,852,373768,8233/13/2024
6.27613 % BlackRock Investment Management (UK) Ltd.81,368,135-8,233,4099/27/2024
5.92078 % The Vanguard Group, Inc.76,761,145-50,3299/27/2024
5.54786 % UBS Limited71,926,36971,926,3699/23/2024
4.13891 % Investors Mutual Limited53,659,761011/21/2023
3.79650 % Ubique Asset Management Pty Ltd49,220,485-621,8879/23/2024
3.43799 % Schroder Investment Management Ltd. (SIM)44,572,459011/21/2023
3.42348 % Norges Bank Investment Management (NBIM)44,384,384464,8268/5/2024
2.96638 % Dimensional Fund Advisors, L.P.38,458,237-1,159,0729/27/2024
1.93619 % Barclays Wealth25,102,1123,499,8469/27/2024
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3
4
5
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10

Virgin Money UK Executives and Management Board

Mr. David Duffy

(62)
Virgin Money UK Chief Executive Officer, Executive Director (since 2015)
Compensation 2.65 M GBP

Mr. Clifford Abrahams

(56)
Virgin Money UK Chief Financial Officer, Executive Director (since 2021)
Compensation 901,000 GBP

Mr. David Bennett

(61)
Virgin Money UK Non-Executive Independent Chairman of the Board (since 2015)
Compensation 409,000 GBP

Mr. Timothy Wade

(63)
Virgin Money UK Senior Non-Executive Independent Director
Compensation 194,000 GBP

Ms. Geeta Gopalan

(59)
Virgin Money UK Independent Non-Executive Director
Compensation 163,000 GBP
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4

Most common questions regarding Virgin Money UK

What values and corporate philosophy does Virgin Money UK represent?

Virgin Money UK PLC represents a set of values and corporate philosophy centered around customer-centricity, innovation, and responsible banking practices. With a focus on delivering exceptional customer experiences, Virgin Money UK PLC strives to offer innovative financial solutions that meet the diverse needs of its customers. The company firmly believes in challenging the status quo and driving positive change within the banking industry. By embracing transparency, ethics, and sustainability, Virgin Money UK PLC aims to build trust and foster long-term relationships with its customers. Through its unique Virgin brand, the company aims to disrupt traditional banking norms and create a more inclusive and accessible financial landscape.

In which countries and regions is Virgin Money UK primarily present?

Virgin Money UK PLC is primarily present in the United Kingdom. The company operates within the region and currently focuses on providing financial services to customers in England, Scotland, and Wales. As a prominent player in the UK's banking industry, Virgin Money UK PLC offers a wide range of products and services, including personal and business banking, mortgages, savings accounts, credit cards, and insurance options. With its strong presence and commitment to customer satisfaction, Virgin Money UK PLC continues to serve the financial needs of individuals and businesses across the United Kingdom.

What significant milestones has the company Virgin Money UK achieved?

Virgin Money UK PLC has achieved significant milestones since its inception. It successfully completed its initial public offering (IPO) in 2014, becoming a fully-fledged bank. In 2018, Virgin Money merged with CYBG PLC, leading to the creation of the country's sixth-largest bank by asset size. The merger brought increased scale, financial strength, and expanded products and services to the bank's customers. Furthermore, Virgin Money's acquisition of the Co-operative Bank's deposit book in 2019 further bolstered its customer base and market position. These achievements reflect the company's commitment to growth and establishing itself as a prominent player in the UK banking sector.

What is the history and background of the company Virgin Money UK?

Virgin Money UK PLC is a renowned financial institution with a rich history and background. Originally established in 1995 as Virgin Direct, the company evolved from a personal finance company to a full-service bank. In 2012, Virgin Money acquired Northern Rock, a UK mortgage lender, expanding its presence in the market. A significant milestone came in 2014 when Virgin Money successfully launched its Initial Public Offering on the London Stock Exchange. Offering a range of banking and financial services, Virgin Money UK PLC has become a trusted name in the industry, with a commitment to exceptional customer service and innovative solutions.

Who are the main competitors of Virgin Money UK in the market?

The main competitors of Virgin Money UK PLC in the market include Barclays, Lloyds Bank, Royal Bank of Scotland (RBS), HSBC, and Santander.

In which industries is Virgin Money UK primarily active?

Virgin Money UK PLC is primarily active in the financial services industry.

What is the business model of Virgin Money UK?

The business model of Virgin Money UK PLC is centered around being a retail bank focused on consumer lending and savings. The company aims to provide a range of financial products and services to its customers, including mortgages, credit cards, personal loans, and savings accounts. Virgin Money UK PLC differentiates itself by offering competitive rates and innovative products while prioritizing a strong customer experience. By leveraging the brand recognition and customer loyalty associated with the Virgin Group, the company strives to attract and retain customers by providing them with accessible, transparent, and convenient banking solutions.

What is the P/E ratio of Virgin Money UK 2025?

The Virgin Money UK P/E ratio is 6.54.

What is the P/S ratio of Virgin Money UK 2025?

The Virgin Money UK P/S ratio is 1.54.

What is the Quality Investing of Virgin Money UK?

The Quality Investing cannot be calculated for Virgin Money UK at the moment.

What is the revenue of Virgin Money UK 2025?

The expected Virgin Money UK revenue is 1.95 B GBP.

How high is the profit of Virgin Money UK 2025?

The expected Virgin Money UK profit is 458.76 M GBP.

What is the business model of Virgin Money UK

Virgin Money UK PLC is a British financial institution headquartered in Newcastle upon Tyne. The company was founded in 1995 and has grown to become one of the largest banks in the United Kingdom. It has four main divisions: Retail Banking, Business Banking, Mortgages, and Credit Cards. The Retail Banking division offers a range of banking services for individual customers, including account openings, credit cards, savings and current accounts, and financial planning offerings. The Business Banking division focuses on small and medium-sized enterprises (SMEs), offering business loans, merchant services, industry-specific accounts, and support for startup businesses. The Mortgages division is a significant provider of mortgage loans in the UK, offering a variety of products with variable or fixed interest rates. The Credit Cards division provides customers with different credit card models that offer various benefits and rewards, often in partnership with other companies. Overall, the business model of Virgin Money UK PLC is based on catering to different customer segments with diverse needs, leveraging partnerships to enhance customer benefits, and ensuring high-quality service through its strong online presence and customer service in its branches.

What is the Virgin Money UK dividend?

Virgin Money UK pays a dividend of 0.04 GBP distributed over payouts per year.

How often does Virgin Money UK pay dividends?

The dividend cannot currently be calculated for Virgin Money UK or the company does not pay out a dividend.

What is the Virgin Money UK ISIN?

The ISIN of Virgin Money UK is GB00BD6GN030.

What is the Virgin Money UK WKN?

The WKN of Virgin Money UK is A2AD8K.

What is the Virgin Money UK ticker?

The ticker of Virgin Money UK is VMUK.L.

How much dividend does Virgin Money UK pay?

Over the past 12 months, Virgin Money UK paid a dividend of 0.11 GBP . This corresponds to a dividend yield of about 4.96 %. For the coming 12 months, Virgin Money UK is expected to pay a dividend of 0.12 GBP.

What is the dividend yield of Virgin Money UK?

The current dividend yield of Virgin Money UK is 4.96 %.

When does Virgin Money UK pay dividends?

Virgin Money UK pays a quarterly dividend. This is distributed in the months of June, March, July, July.

How secure is the dividend of Virgin Money UK?

Virgin Money UK paid dividends every year for the past 8 years.

What is the dividend of Virgin Money UK?

For the upcoming 12 months, dividends amounting to 0.12 GBP are expected. This corresponds to a dividend yield of 5.3 %.

In which sector is Virgin Money UK located?

Virgin Money UK is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Virgin Money UK kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Virgin Money UK from 7/30/2024 amounting to 0.03 GBP, you needed to have the stock in your portfolio before the ex-date on 6/28/2024.

When did Virgin Money UK pay the last dividend?

The last dividend was paid out on 7/30/2024.

What was the dividend of Virgin Money UK in the year 2024?

In the year 2024, Virgin Money UK distributed 0.108 GBP as dividends.

In which currency does Virgin Money UK pay out the dividend?

The dividends of Virgin Money UK are distributed in GBP.

All fundamentals about Virgin Money UK

Our stock analysis for Virgin Money UK Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Virgin Money UK Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.