Virgin Money UK Financial Data

Company name:CYBG PLCStatus:Active
End of fiscal year:September 29 2018ISINAU000000CYB7
Auditor:EYYear established:2015
Company sector name:Financial ServicesTrading currency:AUD
Industry name:Banks - Regional - EuropePlace of incorporation:United Kingdom (GB)
Industry group nameBanksDoing business in:United Kingdom (GB)
Address30 St. Vincent Place, G1 2HLCity/Country:Glasgow, United Kingdom
Web address:http://www.cybg.com
Company description:The Clydesdale Group is in a good position following the multi year restructuring and recapitalisation process and now the merger with Virgin Money. In the years leading up to the demerger from National Australia Bank in 2016, Clydesdale wound down its troublesome commercial real estate loan portfolio, resulting in a much higher-quality loan book. Following the Virgin Money merger, the loan book has been reshaped again, with mortgages now accounting for 83% of total loans, credit card 5%, retail unsecured loans 1%, and SME and business loans 11%. Operating conditions are also improving, resulting in an upturn in the earnings outlook after several years of disappointment. The merger with Virgin Money provides attractive earnings upside, but integration and rebranding risks persist.
Price Price change [%] Bid Offer Open High Low Volume
2.71  0.00[0.0%] 2.71 2.73 0.00 0.00 0.00 0.00
Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
2398.35 1433.461437 2.22 -0.20 0.01 -13.76 0.37 1.86 - 3.74

CYB KEY FIGURES (at previous day's close)

Yesterday's Close
2.71
PE Ratio
-13.76
Market Capitalisation
2.40B
Latest Shares Outstanding
1.43B
Earnings pS (EPS)
-0.20
Dividend pS (DPS)
0.01
Dividend Yield
0.37%
Sales per Employee
155.86k
Effective Tax Rate
-
Foreign Sales
-
Domestic Sales
-
Selling, General & Adm/tive (SG...
29.49%
Research & Devlopment (R&D) as ...
0.00%
Gross Profit Margin
0.00%
EBITDA Margin
-
Pre-Tax Profit Margin
-
Assets Turnover
43.15%
Return on Assets (ROA)
-0.00%
Return on Equity (ROE)
-0.05%
Return on Capital Invested (ROC...
-
Current Ratio
-
Leverage Ratio (Assets/Equity)
13.64%
Interest Cover
0.00
Total Debt/Equity (Gearing Rati...
1.56%
LT Debt/Total Capital
0.61%
Working Capital pS
49.10
Cash pS
8.37
Book-Value pS
48.64
Tangible Book-Value pS
-0.47
Cash Flow pS
-1.27
Free Cash Flow pS
-1.46
Spread
0.02
Gross gearing
0.00%
Net Debt
-7.41B

CYB Balance Sheet Chart (September 29 2018)

:liab eq:assets
Period † High Low
1 Week0.000.00
1 Month0.000.00
3 Months0.000.00
6 Months0.000.00
1 Year3.741.86
3 Years6.361.86
5 Years6.361.86

Share price performance previous 3 years

Share price performance intraday

Period † Open Open Avg. VWAP Min Vol Max Vol Avg. Daily Vol Change %
1 Week0.000.000.000.000.000.000.000.0%
1 Month0.000.000.000.000.000.000.000.0%
3 Months0.000.000.000.000.000.000.000.0%
6 Months0.000.000.000.000.000.000.000.0%
1 Year3.302.81262.67192,24245,775,3955,138,845-0.59-17.88%
3 Years4.634.56934.19192,24245,775,3953,693,985-1.92-41.47%
5 Years3.924.53964.27192,24265,620,6653,773,219-1.21-30.87%

CYB Growth Ratios (September 29 2018)

1 year 3 years 5 years 10 years
Diluted EPS growth
-
-
-
-
Diluted continuous EPS growth
-
-
-
-
Dividend growth
-
-
-
-
Equity per share growth
-0.07
-0.03
-
-
Revenue growth
-0.03
-0.01
0.01
-
Operating income growth
-
-
-
-
Net income growth
-
-
-
-
Net income cont growth
-
-
-
-
CFO growth
-
-
-
-
FCF growth
-
-
-
-
Operating revenue growth
-0.03
-0.01
0.01
-

CYB Income Statement September 29 2018 (GBP)

Total Revenue
1007
Net Interest Income
851
Interest and Dividend Income
1113
Interest Expense
262
Non-Interest Income
156
Fees and Commissions
159
Fees and Commission Income
159
Gain on Sale of Securities
-13
Selling,General and Administr...
297
General and Administrative Ex...
297
Rent and Landing Fees
26
Depreciation and Amortization
89
Depreciation
18
Amortization
71
Special Income/Charges
-99
Restructuring and Merger&Acqu...
83
Other Special Charges
16
Pretax Income
-164
Provision for Income Tax
-19
Net Income Available to Commo...
-174
Net Income
-181
Net Income Including Noncontr...
-145
Net Income from Continuing Op...
-145
Other under Preferred Stock D...
-7
DilutedNIAvailtoComStockholde...
-174
Basic EPS
-0.20
Basic EPS from Continuing Ope...
-0.20
Diluted EPS
-0.20
Diluted EPS from Continuing O...
-0.20
Basic Weighted Average Shares...
885
Diluted Weighted Average Shar...
885
Dividend Per Share
0.01
ReportedNormalizedBasicEPS
0.30
Net Income from Continuing an...
-181
Normalized Income
-93.4695121951
Basic EPS,Continuing and Disc...
-0.20
Diluted EPS,Continuing and Di...
-0.20
Depreciation,Reconciled
89
Net Income from Continuing Op...
-181
TotalUnusualItemsExcludingGoo...
-99
TotalUnusualItems
-99
Normalized Basic EPS
-0.10
Normalized Diluted EPS
-0.10
Tax rate for calculations
0.12
TotalRevenueAsReported
1007

CYB Efficency Ratios (September 29 2018)

Days in sales
-
Days in inventory
-
Days in payment
-
Cash conversion cycle
-
Receivable turnover
-
Inventory turnover
-
Payable turnover
-
Fixed assets turnover
11.57
Assets turnover
0.02
ROE
-0.05
ROA
-0.00
ROIC
-
FCF sales ratio
-
FCF net income ratio
-
Capital expenditure sales ratio
0.16

CYB Financial Health Ratios (September 29 2018)

Current ratio
-
Quick ratio
-
Debt total capital ratio
0.61
Debt equity ratio
1.56
Financial leverage
13.64
Total debt to equity
1.56

CYB Avearge Growth Ratios Over 5 Years (September 29 2018)

Growth ann capital spending
0.09
Growth ann gross profit
-
Avg gross margin
-
Avg post tax margin
-0.13
Avg pre tax marginr
-0.07
Avg net profit
-0.13
Avg ret commonr
-0.04
Avg ret assets
-0.00
Avg ret invested capital
-

CYB Profitability Ratios (September 29 2018)

Gross margin
-
Operating margin
-
EBT margin
-0.16
Tax rate
-
Net margin
-0.17
Sales per employee
155,858.23
EBIT margin
-
EBITDA margin
-
Normalized net profit margin
-0.09
Interest coverage
-
Inc per employee tot ops
-

CYB Valuation Ratios (September 27 2018)

Sales per share
2.14
Growth ann sales per share 5 ye...
-
Book value per share
6.70
CF per share
-4.35
Price to EPS
61.73
Ratio PE 5 year high
66.12
Ratio PE 5 year low
36.39
Price to book
0.89
Price to sales
2.78
Price to cash flow
-
Price to free cash flow
-
Div rate
0.02
Dividend yield
0.00
Div payout tot ops
0.18
Div payout 5 year
-
Payout ratio
0.19
Sustainable growth rate
0.01
Cash return
-0.29

CYB Balance Sheet September 29 2018 (GBP)

Total Assets
43456
Cash,Cash Equivalents and Fed...
7409
Cash and Cash Equivalents
7409
Cash
1656
Cash and Due from Banks
5753
Available-for-Sale Securities
1562
Derivative Assets
262
Net Loan
32367
Other Loans
29911
Allowance for Loans and Lease...
195
Unearned Income
-57
Receivables
79
Net Property,Plant,and Equipm...
88
Gross Property,Plant,and Equi...
269
Land and Improvements
3
Buildings and Improvements
152
Machinery,Furniture/Equipment
114
Accumulated Depreciation
-181
Goodwill and Other Intangible...
412
Other Intangible Assets
412
Deferred Tax Assets
206
Pension Benefit
212
Other Assets
192
Total Liabilities
40270
Total Deposits
31179
Deposits by Bank
2320
Customer Accounts
28859
Payables
60
Accounts Payable
60
Derivative Liabilities
361
Long Term Debt and Capital Le...
4973
SubordinatedLiabilities
479
Other Liabilities
907
Total Equity
3186
Stockholder's Equity
3186
Capital Stock
89
Common Stock
89
Retained Earnings
2873
Other Equity Interest
450
Total Capitalization
8159
Common Stock Equity
3186
Net Tangible Assets
2774
Invested Capital
8159
Tangible Book Value
2774
Total Debt
4973
Ordinary Shares Number
886.079959
Treasury Shares Number
0.00
TotalLiabilitiesAsReported
40270
TotalEquityAsReported
3186

CYB Cash Flow September 29 2018 (GBP)

Cash Flow from Operating Acti...
-1125
Net Income from Continuing Op...
-164
Gain/Loss on Sale of Business
0.00
Gain/Loss on Sale of Property...
0.00
Gain/Loss on Investment Secur...
-3
Depreciation and Amortization
89
Depreciation
89
Other Non-Cash Items
-851
Stock-Based Compensation
9
Changes in Working Capital
-1181
Change in Loans
-1032
Change in Other Current Asset...
-14
Change in Other Current Liabi...
-228
Interest Paid, CFO
-173
Interest Received, CFO
1108
Taxes Refund/Paid
0.00
Cash Flow from Investing Acti...
329
Purchase/Sale of Investments,...
474
Purchase of Investments
-593
Sale of Investments
1067
Purchase/Sale of Property,Pla...
-13
Purchase of Property,Plant an...
-22
Sale of Property,Plant,and Eq...
9
Purchase/Sale of Intangibles,...
-144
Purchase of Intangibles
-144
Interest Received, CFI
12
Cash Flow from Financing Acti...
386
Issuance/Payments of Debt,Net
174
Issuance/Payments of Long Ter...
174
Proceeds or Issuance of Long ...
1546
Payments to Settle Long Term ...
-1372
Cash Dividends Paid
-45
Common Stock Dividends Paid
-45
Interest Paid, CFF
-94
Other Financing Changes, Net
351
Cash and Cash Equivalents,End...
6542
Change in Cash
-410
Cash and Cash Equivalents,Beg...
6952
Capital Expenditure
-166
Issuance of Debt
1546
Repayment of Debt
-1372
Free Cash Flow
-1291
ChangeinCashSupplementalAsRep...
-410
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