1. United Kingdom Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Virgin Money UK PLC

Virgin Money UK PLC

CBBYF
Virgin Money UK PLCUS flagOther OTC
2.20
USD
- -
- -
3.54BMarket Cap
Virgin Money UK PLC
CBBYF
(Other OTC)

Recent

price

2.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
FRC
1.28
1.09
1.11
1.1
1.12
1.15
1.14
1.21
1.01
1.04
1.19
- -
Revenue per Share
-0.75
-0.05
-0.23
-0.28
-0.23
0.17
-0.2
-0.18
-0.15
0.27
0.32
- -
Basic EPS, GAAP
-1.57
4.24
-0.76
0.24
-0.55
-0.79
-1.46
0.17
1.66
0.34
1.28
- -
Free Cash Flow per Basic Share
0.01
- -
- -
0.02
0.04
0.04
0.01
0.03
0.05
- -
0.03
- -
Dividend per Share
- -
2.52
2.44
2.64
3.26
3.56
3.35
1.98
1.92
2.21
2.51
- -
Book Value per Share
- -
2.54
2.64
3.61
3.36
3.47
3.13
3.19
3.08
3.54
4.21
- -
Tangible Book Value per Share
879
879
879
879
880
883
885
1,414
1,440
1,442
1,441
- -
Basic Weighted Avg Shares
1,122
957
975
966
990
1,016
1,007
1,715
1,450
1,494
1,720
1,827
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
75
76
78
83
88
87
89
108
159
191
179
116
Depreciation Expense
-656
-44
-198
-247
-206
146
-181
-253
-220
395
467
192
Net Income, GAAP
- -
- -
- -
- -
312.99
32.09
- -
- -
- -
- -
9.75
28.7
Effective Tax Rate (%)
-58.47
-4.6
-20.31
-25.57
-20.81
14.37
-17.97
-14.75
-15.17
26.44
27.15
10.51
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
3,149
3,538
3,766
4,501
6,686
7,227
16,899
14,155
13,574
15,739
16,010
LT Debt
- -
2,449
2,538
3,443
3,211
3,402
3,186
5,021
4,932
5,473
6,340
5,607
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-3.97
-9.08
-11.07
-7.94
4.86
-5.93
-8.78
-7.9
13.25
13.73
5.65
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.32%
14.22%
-11.56%
Free Cash Flow
49.11%
187.58%
-49.51%
Net Income, GAAP
-33.02%
-58.69%
-58.89%
Sales/Revenue/Turnover
8.44%
15.85%
6.22%
Total Cash Common Dividend
- -
- -
196%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
1,494
2022
- -
- -
- -
- -
1,720
2023
- -
- -
- -
- -
1,827

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.27
2022
- -
- -
- -
- -
0.32
2023
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
0.03
2023
- -
- -
- -
- -
- -
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Business
Virgin Money UK PLC (CBBYF), a subsidiary of Nationwide Building Society following its acquisition on 1 October 2024, operates as a full-service UK retail and business bank offering current accounts including the M Account, M Plus Account and Club M Account; credit cards such as the Everyday Cashback Credit Card and Virgin Atlantic Reward+ Credit Card; savings accounts and Cash ISAs like Easy Access Cash ISA Exclusive, Regular Saver Exclusive and Fixed Rate Cash ISAs; mortgages including innovative products like Fix and Switch five-year fixed rate and collaborations with Hive for energy-efficient lending and Own New Rate Reducer for new-builds; insurance covering home, landlord, travel and other personal lines; investments through a digital platform with Stocks and Shares ISAs and Navigator/Self Drive options; and pensions with flexible self-setup features, alongside business banking services encompassing current accounts, loans and sustainability tools. Founded with roots tracing to 1838 via Clydesdale Bank heritage and formally incorporated as CYBG plc in 2015 before rebranding to Virgin Money UK plc in 2019, the company maintains headquarters at Jubilee House in Gosforth, Newcastle upon Tyne, with additional offices in Glasgow, Edinburgh, Leeds and London, serving approximately 6.6 million retail and business customers primarily across the United Kingdom through digital platforms, telephone banking and a network of branches committed to remaining open until at least 2030. Recent developments include Nationwide's £2.9 billion takeover completed in October 2024 with integration targeted for 2 April 2026 pending court approval, preserving Virgin Money's operations in the medium term; the August 2025 agreement for Octopus Money to acquire its investment business subject to FCA approval; full ownership of Virgin Money Investments achieved in 2024 by buying out abrdn's 50% stake; launches of fee-free digital business current accounts, AI virtual assistant Redi expansions, Regular Saver Exclusive at 6.50% and re-entry into home insurance via Uinsure partnership; and strategic partnerships such as with Experian for personalized digital experiences, Global Payments for digital wallets, Hometrack for climate risk management and Turn2us for unclaimed benefits access, alongside funding support for renewable energy projects and agricultural expansions.