Virgin Money UK PLC

Virgin Money UK PLC

CYBBF
Virgin Money UK PLCUS flagOther OTC
2.30
USD
- -
- -
3.78BMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
Revenue per Share
1.28
1.09
1.11
1.1
1.12
1.15
1.14
1.21
1.01
1.04
1.19
- -
Basic EPS, GAAP
-0.75
-0.05
-0.23
-0.28
-0.23
0.17
-0.2
-0.18
-0.15
0.27
0.32
- -
Free Cash Flow per Basic Share
-1.57
4.24
-0.76
0.24
-0.55
-0.79
-1.46
0.17
1.66
0.34
1.28
- -
Dividend per Share
0.01
- -
- -
0.02
0.04
0.04
0.01
0.03
0.05
- -
0.03
- -
Book Value per Share
- -
2.52
2.44
2.64
3.26
3.56
3.35
1.98
1.92
2.21
2.51
- -
Tangible Book Value per Share
- -
2.54
2.64
3.61
3.36
3.47
3.13
3.19
3.08
3.54
4.21
- -
Basic Weighted Avg Shares
879
879
879
879
880
883
885
1,414
1,440
1,442
1,441
- -
Sales/Revenue/Turnover
1,122
957
975
966
990
1,016
1,007
1,715
1,450
1,494
1,720
1,827
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
75
76
78
83
88
87
89
108
159
191
179
116
Net Income, GAAP
-656
-44
-198
-247
-206
146
-181
-253
-220
395
467
192
Effective Tax Rate (%)
- -
- -
- -
- -
312.99
32.09
- -
- -
- -
- -
9.75
28.7
Profit Margin (%)
-58.47
-4.6
-20.31
-25.57
-20.81
14.37
-17.97
-14.75
-15.17
26.44
27.15
10.51
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
3,149
3,538
3,766
4,501
6,686
7,227
16,899
14,155
13,574
15,739
16,010
Total Equity
- -
2,449
2,538
3,443
3,211
3,402
3,186
5,021
4,932
5,473
6,340
5,607
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
-3.97
-9.08
-11.07
-7.94
4.86
-5.93
-8.78
-7.9
13.25
13.73
5.65

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
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
David Joseph Duffy B.B.S., MA
Full Time Employees
8,110
Sector
Financial Services
Industry
Banks - Regional
Address
40 St Vincent Place Glasgow United Kingdom G1 2HL
IPO Date
Mar 22, 2016
Business
Virgin Money UK PLC (ticker: CYBBF) is a United Kingdom-based provider of retail and commercial banking products and services to consumers and small- to medium-sized businesses through its leading technology platform, telephone banking, app, online banking, and network of branches and business banking centres. The company offers current accounts including the M Account, M Plus Account, and Club M Account; credit cards with features such as approval checks, Virgin Points earning, and AI-powered virtual assistant Redi; savings accounts and Cash ISAs like Easy Access Saver, Fixed Rate Bonds, and Regular Saver Exclusive; mortgages including innovative products such as Fix and Switch five-year fixed rates, Rate Reducer for new-builds with Own New, and energy-efficient options with Hive; personal loans; investments and pensions via its fully owned Virgin Money Investments platform following the 2024 buyout of abrdn's stake; insurance products encompassing home, landlord, travel, and business cover; and business banking solutions featuring accounts, loans, asset finance, and sustainability support tools. Founded with roots tracing back over 180 years through Clydesdale Bank heritage and formally incorporated in 2015 as CYBG PLC before rebranding, Virgin Money UK PLC maintains its headquarters at Jubilee House in Gosforth, Newcastle upon Tyne, with additional offices in Glasgow, Edinburgh, Leeds, London, and elsewhere across the UK, primarily serving domestic customers. In recent developments, Nationwide Building Society completed its £2.9 billion acquisition of Virgin Money UK PLC on 1 October 2024, establishing the combined entity as the UK's second-largest provider of mortgages and savings, with Virgin Money operating as a separate legal entity under Nationwide's ownership in the medium term and the brand set to phase out by 2030; the business will fully integrate into Nationwide by 2 April 2026 pending final approvals. The company sold its investment business to Octopus Money in August 2025 subject to FCA approval to bolster direct-to-consumer wealth growth; re-entered the home insurance market in September 2024 via partnership with Uinsure for quick-quote products; launched new offerings including the M Power youth account for 11-17 year olds in June 2024, Regular Saver Exclusive at 6.50% in May 2025, and digital wallet with Global Payments; formed strategic alliances such as with Experian in June 2024 for personalized digital experiences and Mastercard Open Banking in March 2025; and expanded sustainability lending with deals like £26 million for a Herefordshire solar farm in 2024 and green loans for developments.

Company News

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