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CYBG 311.9p -2.0  -0.6%
23/10/17 7.50k

Relative Strength (%)
Volume Change (%)
10d v 3m
Price vs... (%)
52w High
50d MA
200d MA
Growth & Value
Margin of Safety (beta)
Screens Passed 2
Balance Sheet · Income Statement · Cashflow Financial Summary
Year End 30th Sep 2011 2012 2013 2014 2015 2016 TTM 2017E 2018E CAGR / Avg
Revenue £m
Operating Profit £m
Net Profit £m
EPS Reported p
EPS Normalised p
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PE Ratio x
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Capex ps p
Free Cashflow ps p
Dividend ps p
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Dividend Yield %
Dividend Cover x
Balance Sheet
Cash etc £m
Working Capital £m
Net Fixed Assets £m
Net Debt £m
Book Value £m
Average Shares m
Book Value ps p +8.4%

FINANCIAL BRIEF: For the six months ended 31 March 2017, CYBG PLC interest income decreased 3% to £534M. Net interest income after loan loss provision increased 4% to £385M. Net income applicable to common stockholders increased 25% to £15M. Net interest income after loan loss provision reflects SME Banking segment increase of 10% to £131M, Net Interest Margin - Total - % increase of less than 1% to 2.26%. more »

Health Trend
Bankruptcy Risk
  Earnings Manipulation Risk
Magic Formula Score
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Leverage (ttm) Total -Intang +Pension
Gross Gearing %
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Recent History
Latest interim period (ended 31st Mar '17) vs. prior year
Sales Growth %
EPS Growth %
3yr Compound Annual Growth Rate
Sales Growth %
EPS Growth %
DPS Growth %

Broker Forecasts
30th Sep 2017
30th Sep 2018

Price Target: 2.59
(-16.81% below Price)
Net Profit EPS DPS Net Profit EPS DPS
Est. Long Term Growth Rate: n/a (£) (p) (p) (£) (p) (p)
Consensus Estimate
1m Change
3m Change
15 brokers Broker Consensus Trend
Broker Recommendations for CYBG
Recommendation:Strong SellSellHoldBuyStrong Buy
No. of Analysts: 2 7 4 1 0

Named Brokers and Analysts
Bank of America Merrill Lynch Michael Helsby , Jefferies Kapilan Pillai , RBC Capital Markets Robert Noble , Morgan Stanley Fiona Simpson , Citi , Goldman Sachs Research , Panmure Gordon , Numis Securities Jonathan Goslin , Goodbody Stockbrokers John Cronin , Exane BNP Paribas Guy Stebbings , Macquarie Research , JPMorgan Raul Sinha , Keefe, Bruyette & Woods Europe Edward Firth , Shore Capital Stockbrokers Gary Greenwood , Morningstar, Inc. David Ellis ,

Profile Summary

CYBG PLC is a United Kingdom-based company, which intends to be the holding company for CYB Investments Limited (CYBI) and Clydesdale Bank PLC (Clydesdale Bank). The Company will own National Australia Bank Limited's Clydesdale and Yorkshire Bank operations (the Clydesdale Bank business). Clydesdale Bank provides the United Kingdom retail and small and medium enterprises (SME) banking services. Clydesdale Bank's products and services include mortgages, current accounts, deposits, term lending, personal loans, working capital solutions, overdrafts, credit cards and payment and transaction services. Clydesdale Bank consists of approximately 120 Clydesdale Bank-branded branches and approximately 150 Yorkshire Bank-branded branches. CYBI is a holding company that undertakes limited economic activity beyond its principal activity, with all operations undertaken through United Kingdom registered entities.

Directors: David Duffy (CEO) 53, Ian Smith (CFO) , Debbie Crosbie (COO) , Mark Thundercliffe (CRO) , James Peirson (GCN) 37, Kate Guthrie (DHR) , Gavin Opperman (OTH) , Helen Page (OTH) , James Pettigrew (NEC) 59, Enda Johnson (DRC) , Clive Adamson (NID) 60, David Bennett (NID) , David Browne (NID) ,

No. of Employees: 6,718 No. of Shareholders: n/a

Last Annual September 30th, 2016
Last Interim March 31st, 2017
Incorporated May 18, 2015
Public Since February 3, 2016
Shares in Issue 883,606,066
Free Float 880.7m (99.7%)
Sector Financials
Industry Banking Services
Index FTSE All Share , FTSE All Share Financials , FTSE All Share Banks , FTSE Euromid , FTSE 350 , FTSE 350 Lower Yield , FTSE 250 , FTSE 350 Banks , ,
Exchange London Stock Exchange (Full)
Eligible for an ISA? a SIPP?

CYBG Share Price Performance CYBGQuote
-2.0  -0.6%
Traded 5:03pm · Minimum 15 min delayed · NMS: 7.50k

Latest CYBG News Announcements (delayed)

Upcoming CYBG Events
Tuesday 21st November, 2017
Full Year 2017 CYBG PLC Earnings Release
Tuesday 30th January, 2018 (estimate)
CYBG PLC Annual Shareholders Meeting

Recent ↓
Tuesday 26th September, 2017
CYBG PLC at Bank of America Merrill Lynch Banking & Insurance CEO Conference
Tuesday 1st August, 2017
Q3 2017 CYBG PLC Trading Statement Release
Tuesday 16th May, 2017
Half Year 2017 CYBG PLC Earnings Release
Tuesday 16th May, 2017
Half Year 2017 CYBG PLC Earnings Call
Monday 30th January, 2017
CYBG PLC Annual Shareholders Meeting
Tuesday 22nd November, 2016
Full Year 2016 CYBG PLC Earnings Call
Tuesday 22nd November, 2016
Full Year 2016 CYBG PLC Earnings Release
Wednesday 26th October, 2016
Full Year 2016 CYBG PLC Earnings Release
Tuesday 24th May, 2016
Half Year 2016 CYBG PLC Earnings Release
Tuesday 24th May, 2016
Half Year 2016 CYBG PLC Earnings Call
Tuesday 2nd February, 2016
CYBG PLC Initial Public Offering Pricing

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