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About the company
Virgin Money UK PLC is a United Kingdom-based full-service digital bank, offering products and services to meet the full range of customers, retail and business banking needs. The Company operates under four commercial lines, such as Mortgages, Unsecured, Business, and Deposits. It operates under the Clydesdale Bank, Yorkshire Bank and Virgin Money brands. Its products include current accounts, savings, loans, investments, insurance, cards, mortgages, pensions, private banking, among others. It provides car loans, home improvement loans, and debt consolidation loans. Its insurance products include life insurance, travel insurance, home insurance, and business insurance. It offers investments in unit trusts and stocks and shares ISAs. The Company has a range of options available to support customers, including support through the United Kingdom government's Bounce Back Loan Scheme (BBLS) and the Coronavirus Business Interruption Loan Scheme (CBILS).
- Revenue in GBP (TTM)3.59bn
- Net income in GBP192.00m
- Incorporated2015
- Employees7.17k
- LocationVirgin Money UK PLC177 Bothwell Street,GLASGOW G2 7ERUnited KingdomGBR
- Phone+44 141 248 7070
- Websitehttps://www.virginmoneyukplc.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jiangsu Changshu Rural Coml Bank Co Ltd | 1.68bn | 373.94m | 2.61bn | 7.38k | 8.41 | 0.911 | -- | 2.23 | 1.04 | 1.04 | 2.92 | 9.61 | -- | -- | -- | -- | 1.08 | 1.07 | -- | -- | -- | -- | 34.25 | 31.03 | -- | -- | -- | 25.55 | 13.88 | 11.81 | 19.60 | 17.17 | 41.63 | 6.79 |
| Sparebank 1 SR Bank ASA | 1.48bn | 337.68m | 2.65bn | 1.58k | 7.94 | 1.04 | 7.25 | 3.28 | 17.10 | 17.10 | 41.14 | 130.66 | -- | -- | -- | -- | 1.29 | 1.05 | -- | -- | -- | -- | 43.67 | 41.17 | -- | -- | -- | 49.16 | 97.00 | 24.17 | 30.58 | 13.42 | -15.97 | 10.76 |
| ServisFirst Bancshares Inc | 676.14m | 156.58m | 2.69bn | 591.00 | 17.18 | 2.31 | 16.79 | 7.79 | 3.65 | 3.65 | 8.03 | 27.07 | -- | -- | -- | -- | 1.31 | 1.56 | -- | -- | -- | -- | 45.41 | 48.20 | -- | -- | -- | 23.58 | 45.40 | 20.01 | -17.76 | 8.60 | 11.20 | 18.89 |
| Hachijuni Bank Ltd | 626.02m | 186.01m | 2.69bn | 4.21k | 13.56 | 0.4522 | 14.35 | 2.78 | 77.03 | 77.03 | 396.73 | 2,310.10 | -- | -- | -- | -- | 0.2665 | 0.2174 | -- | -- | -- | -- | 19.22 | 16.21 | -- | -- | -- | 32.15 | 37.36 | 9.10 | 53.60 | 10.51 | 4.18 | 11.38 |
| Qilu Bank Co Ltd | 2.18bn | 448.68m | 2.70bn | 5.23k | 7.36 | 0.5706 | -- | 2.00 | 0.6987 | 0.6987 | 2.07 | 9.01 | -- | -- | -- | -- | 0.7673 | 0.7772 | -- | -- | -- | -- | 35.62 | 32.23 | -- | -- | -- | 23.99 | 9.08 | 11.77 | 19.40 | 13.07 | 7.42 | -- |
| Virgin Money UK PLC | 3.59bn | 192.00m | 2.76bn | 7.17k | 15.32 | 0.5103 | 7.62 | 1.46 | 0.1389 | 0.1389 | 1.37 | 4.17 | -- | -- | -- | -- | 0.2678 | 0.218 | -- | -- | -- | -- | 13.05 | 11.09 | -- | -- | -- | 39.24 | 65.59 | 26.70 | -58.89 | -- | -34.51 | 11.32 |
| Banca Popolare Di Sondrio SpA | 1.70bn | 436.01m | 2.78bn | 3.61k | 6.37 | 0.8227 | 5.61 | 2.02 | 1.13 | 1.13 | 3.57 | 8.75 | -- | -- | -- | -- | 0.895 | 0.4883 | -- | -- | -- | -- | 31.65 | 21.74 | -- | -- | -- | 40.38 | 117.12 | 23.74 | 83.50 | 33.00 | 21.70 | 62.12 |
| Credito Emiliano SpA | 1.75bn | 500.95m | 2.80bn | 134.00 | 5.57 | 0.8583 | 4.72 | 1.09 | 1.73 | 1.73 | 8.85 | 11.23 | -- | -- | -- | -- | 0.88 | 0.5593 | -- | -- | -- | -- | 19.56 | 15.69 | -- | -- | -- | 30.68 | 137.43 | 26.40 | 77.34 | 24.67 | 14.25 | 26.58 |
| International Bancshares Corp | 648.95m | 320.86m | 2.80bn | 2.06k | 8.76 | 1.43 | 8.29 | 4.27 | 6.54 | 6.54 | 13.38 | 39.95 | -- | -- | -- | -- | 2.67 | 1.88 | -- | -- | -- | -- | 48.87 | 41.45 | -- | -- | -- | 27.28 | 52.19 | 11.43 | 37.15 | 13.95 | 5.15 | 10.93 |
| Bandhan Bank Ltd | 1.78bn | 210.89m | 2.87bn | 72.12k | 13.62 | 1.41 | -- | 2.43 | 13.84 | 13.84 | 77.58 | 134.14 | -- | -- | -- | -- | 1.34 | 1.58 | -- | -- | -- | -- | 17.85 | 18.38 | -- | -- | -- | 6.59 | 18.64 | 23.22 | 1.59 | 2.70 | 26.61 | -12.94 |
| BNP Paribas Bank Polska SA | 1.99bn | 222.72m | 2.87bn | -- | 12.90 | 1.07 | 9.04 | 1.78 | 7.55 | 7.55 | 54.69 | 91.32 | -- | -- | -- | -- | 0.7264 | 0.4607 | -- | -- | -- | -- | 13.81 | 10.15 | -- | -- | -- | -- | 51.60 | 26.92 | 129.34 | 22.95 | 14.29 | -- |
| Bank of East Asia Ltd | 4.00bn | 355.14m | 2.88bn | 8.14k | 8.19 | 0.2649 | 5.76 | 1.29 | 1.32 | 1.32 | 8.32 | 40.78 | -- | -- | -- | -- | 0.4745 | 0.4749 | -- | -- | -- | -- | 18.63 | 20.49 | -- | -- | -- | 47.91 | 59.71 | 9.17 | -3.53 | -9.48 | 0.6906 | -8.24 |
| Bank Handlowy w Warszawie SA | 857.40m | 420.74m | 2.90bn | 2.97k | 6.90 | 1.40 | 6.54 | 3.10 | 16.12 | 16.12 | 35.87 | 79.20 | -- | -- | -- | -- | 2.88 | 1.69 | -- | -- | -- | -- | 44.95 | 32.26 | -- | -- | -- | -- | 30.75 | 27.26 | 45.98 | 28.71 | 10.51 | -- |
| Bank Mega Tbk PT | 500.86m | 163.86m | 2.92bn | 4.83k | 17.99 | 3.00 | 16.29 | 7.75 | 283.44 | 283.44 | 651.83 | 1,698.06 | -- | -- | -- | -- | 2.59 | 2.78 | -- | -- | -- | -- | 43.48 | 44.84 | -- | -- | -- | 74.85 | 12.66 | 8.57 | -13.37 | 17.03 | 1.35 | 25.17 |
Data as of May 24 2024. Currency figures normalised to Virgin Money UK PLC's reporting currency: UK Pound GBX
36.68%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Allan Gray Australia Pty Ltd.as of 13 Mar 2024 | 132.33m | 10.21% |
| BlackRock Investment Management (UK) Ltd.as of 29 Apr 2024 | 64.07m | 4.94% |
| The Vanguard Group, Inc.as of 29 Apr 2024 | 59.95m | 4.62% |
| Investors Mutual Ltd.as of 21 Nov 2023 | 53.66m | 4.14% |
| JPMorgan Securities Plc (Market-Maker)as of 02 Apr 2024 | 41.39m | 3.19% |
| Norges Bank Investment Managementas of 19 Apr 2024 | 32.04m | 2.47% |
| Dimensional Fund Advisors Ltd.as of 20 Mar 2024 | 25.53m | 1.97% |
| Macquarie Bank Ltd. (Private Banking)as of 29 Apr 2024 | 22.40m | 1.73% |
| BlackRock Fund Advisorsas of 02 Apr 2024 | 22.15m | 1.71% |
| Legal & General Investment Management Ltd.as of 29 Apr 2024 | 22.01m | 1.70% |
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Data from 31 Dec 2023 - 16 May 2024Source: FactSet Research Systems Inc.
