PLUS1
Virgin Money UK Financial Data
| Company name: | CYBG PLC | Status: | Active |
| End of fiscal year: | September 29 2018 | ISIN | AU000000CYB7 |
| Auditor: | EY | Year established: | 2015 |
| Company sector name: | Financial Services | Trading currency: | AUD |
| Industry name: | Banks - Regional - Europe | Place of incorporation: | United Kingdom (GB) |
| Industry group name | Banks | Doing business in: | United Kingdom (GB) |
| Address | 30 St. Vincent Place, G1 2HL | City/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 | |||
| 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 | - - - |
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) | ||
|---|---|---|
 | ||
| Period | High | Low |
|---|---|---|
| 1 Week | 0.00 | 0.00 |
| 1 Month | 0.00 | 0.00 |
| 3 Months | 0.00 | 0.00 |
| 6 Months | 0.00 | 0.00 |
| 1 Year | 0.00 | 0.00 |
| 3 Years | 5.97 | 1.86 |
| 5 Years | 6.36 | 1.86 |
Share price performance previous 3 years |
|---|
Share price performance intraday |
|---|
| Period | Open | Open Avg. | VWAP | Min Vol | Max Vol | Avg. Daily Vol | Change | % |
|---|---|---|---|---|---|---|---|---|
| 1 Week | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0% |
| 1 Month | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0% |
| 3 Months | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0% |
| 6 Months | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0% |
| 1 Year | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0% |
| 3 Years | 5.92 | 3.4044 | 3.31 | 192,242 | 45,775,395 | 5,087,192 | -3.21 | -54.22% |
| 5 Years | 4.36 | 4.5763 | 4.26 | 192,242 | 45,775,395 | 3,391,482 | -1.65 | -37.84% |
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 |
