1. United Kingdom Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Virgin Money UK PLC

Virgin Money UK PLC

VMUK.L
Virgin Money UK PLCGB flagLondon Stock Exchange
217.60
GBp
+0.20
- -
2.82BMarket Cap
Virgin Money UK PLC
VMUK.L
(London Stock Exchange)

Recent

price

217.60

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
1.33
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
0.14
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
0.68
Free Cash Flow per Basic Share
0.01
- -
- -
0.02
0.04
0.04
0.01
0.03
0.05
- -
0.03
0.11
Dividend per Share
- -
2.52
2.44
2.64
3.26
3.56
3.35
1.98
1.92
2.21
2.51
2.32
Book Value per Share
- -
2.54
2.64
3.61
3.36
3.47
3.13
3.19
3.08
3.54
4.21
3.95
Tangible Book Value per Share
879
879
879
879
880
883
885
1,414
1,440
1,442
1,441
1,375
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
- -
- -
- -
- -
0.14

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
0.03
2023
- -
- -
- -
- -
0.11
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Business
Virgin Money UK PLC (VMUK.L), a full-service UK retail and SME bank owned by Nationwide Building Society since October 2024, provides personal and business banking products including current accounts such as M Account, M Plus Account, Club M Account and M Power youth account; credit cards including Virgin Atlantic Reward+; savings accounts and Cash ISAs like Easy Access Cash ISA Exclusive, Regular Saver Exclusive and Fixed Rate E-Bond Exclusive; mortgages including Fix and Switch five-year fixed with switch option and energy-efficient products with Hive and Own New Rate Reducer; investments and pensions through Navigator and Self Drive options; insurance covering home, landlord, travel and business; and SME lending including green loans, venture debt and sustainability support via the Mobiliser Fund. Founded in 1995 and headquartered at Jubilee House in Gosforth, Newcastle upon Tyne, the bank operates primarily in the UK with approximately 6.6 million customers across branches, digital platforms, telephone banking and business centres in locations including Edinburgh, Glasgow, Leeds and London. Recent developments include the acquisition by Nationwide Building Society for £2.9 billion completed on 1 October 2024 with full integration planned by April 2026 and Virgin Money brand phase-out by 2030; agreement in August 2025 to sell its investment business to Octopus Money subject to FCA approval; re-entry to home and landlord insurance in September 2024 via partnership with Uinsure; launch of AI virtual assistant Redi expansion in 2025; new Regular Saver Exclusive at 6.50% in May 2025; partnerships with Experian, Mastercard Open Banking and Turn2us for benefits access; and various funding deals for renewables, agri-tourism and SME growth in 2025.