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© Stockopedia 19th November, 2017

Virgin Money Holdings (UK)

VM. 261p 0.4  0.2%
17/11/17 5.00k

Relative Strength (%)
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52w High
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Growth & Value
Margin of Safety (beta)
Screens Passed 2
Balance Sheet · Income Statement · Cashflow Financial Summary
Year End 31st Dec 2011 2012 2013 2014 2015 2016 TTM 2017E 2018E CAGR / Avg
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Operating Profit £m
Net Profit £m
EPS Reported p
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Last ex-div: 10th Aug, paid: 22nd Sep more... Dividends
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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 +25.4%

FINANCIAL BRIEF: For the six months ended 30 June 2017, Virgin Money Holdings (UK) PLC interest income decreased 2% to £465.4M. Net interest income after loan loss provision increased 12% to £266.3M. Net income applicable to common stockholders increased 25% to £78.1M. Net interest income after loan loss provision reflects increase in interest earning assets and decrease in interest bearing liabilities. more »

Health Trend
Bankruptcy Risk
  Earnings Manipulation Risk
Magic Formula Score
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Leverage (ttm) Total -Intang +Pension
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Recent History
Latest interim period (ended 30th Jun '17) vs. prior year
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3yr Compound Annual Growth Rate
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Broker Forecasts
31st Dec 2017
31st Dec 2018

Price Target: 3.46
(+32.51% above Price)
Net Profit EPS DPS Net Profit EPS DPS
Est. Long Term Growth Rate: +11.3% (£) (p) (p) (£) (p) (p)
Consensus Estimate
1m Change
3m Change
18 brokers Broker Consensus Trend
Broker Recommendations for Virgin Money Holdings (UK)
Recommendation:Strong SellSellHoldBuyStrong Buy
No. of Analysts: 0 1 5 10 3

Named Brokers and Analysts
Bank of America Merrill Lynch Michael Helsby , Jefferies Kapilan Pillai , Credit Suisse David Da Wei Wong , RBC Capital Markets Robert Noble , Citi Andrew Coombs, CFA , Investec Bank (UK) Plc Ian Gordon , Goldman Sachs Research Nick Baker, CFA , UBS Equities Ivan Jevremovic , Nomura Securities , Panmure Gordon , Numis Securities Jonathan Goslin , Goodbody Stockbrokers John Cronin , Exane BNP Paribas Guy Stebbings , Davy , Macquarie Research Arun Melmane , JPMorgan Raul Sinha , Berenberg Andrew Lowe , Barclays Rohith Chandra-Rajan , Keefe, Bruyette & Woods Europe Edward Firth , Shore Capital Stockbrokers Gary Greenwood ,

Profile Summary

Virgin Money Holdings (UK) plc is a United Kingdom-based retail bank. The Company is engaged in the business of residential mortgages, savings and credit cards. The Company provides residential and buy-to-let mortgages and credit cards to customers across the United Kingdom. Mortgages are sold primarily through its intermediary partners and retail deposits are originated directly through its digital channel. It offers customers a range of instant access and fixed term savings products, both available as individual savings accounts (ISAs). The Company allows customers to open their accounts through its digital channels. The Company provides credit card products, principally online, to over 800,000 customers. The Company's portfolio is a mix of balance transfer and retail credit cards.

Directors: Jayne-Anne Gadhia (CEO) 55, Peter Bole (CFO) , Mark Parker (COO) , Marian Martin (CRO) 49, Andrew Emuss (GCN) 47, Tim Arthur (OTH) , Hugh Chater (OTH) , Matt Elliott (OTH) 43, Michele Greene (OTH) 51, Caroline Marsh (OTH) 53, Glen Richard Moreno (NEC) 72, Colin Keogh (NED) 63, Patrick McCall (NED) 52, Gordon McCallum (NED) 56, Norman McLuskie (NED) 73,

No. of Employees: 2,394 No. of Shareholders: n/a

Last Annual December 31st, 2016
Last Interim June 30th, 2017
Incorporated August 4, 1995
Public Since November 13, 2014
Shares in Issue 444,942,008
Free Float 283.0m (63.6%)
Sector Financials
Industry Banking Services
Index FTSE All Share , FTSE All Share Financials , FTSE All Share Banks , FTSE 350 , FTSE 350 Lower Yield , FTSE 250 , FTSE 350 Banks , ,
Exchange London Stock Exchange (Full)
Eligible for an ISA? a SIPP?

VM. Share Price Performance VM.Quote
0.4  0.2%
Traded 5:05pm · Minimum 15 min delayed · NMS: 5.00k

Latest VM. News Announcements (delayed)

Upcoming VM. Events
Thursday 3rd May, 2018 (estimate)
Virgin Money Holdings (UK) PLC Annual Shareholders Meeting

Recent ↓
Thursday 16th November, 2017
Virgin Money Holdings (UK) PLC Corporate Analyst Meeting
Tuesday 17th October, 2017
Q3 2017 Virgin Money Holdings (UK) PLC Earnings Call
Thursday 10th August, 2017
Dividend For VM.
Tuesday 25th July, 2017
Half Year 2017 Virgin Money Holdings (UK) PLC Earnings Release
Wednesday 3rd May, 2017
Virgin Money Holdings (UK) PLC Annual Shareholders Meeting
Thursday 6th April, 2017
Dividend For VM.
Tuesday 28th February, 2017
Full Year 2016 Virgin Money Holdings (UK) PLC Earnings Release
Thursday 17th November, 2016
Virgin Money Holdings (UK) PLC Secondary Public Offering Pricing
Thursday 11th August, 2016
Dividend For VM.L
Tuesday 26th July, 2016
Half Year 2016 Virgin Money Holdings (UK) PLC Earnings Release
Wednesday 4th May, 2016
Virgin Money Holdings (UK) PLC Annual Shareholders Meeting
Thursday 14th April, 2016
Dividend For VM.L
Wednesday 2nd March, 2016
Full Year 2015 Virgin Money Holdings (UK) PLC Earnings Release
Tuesday 8th September, 2015
Virgin Money Holdings(UK)Ltd Secondary Public Offering Pricing
Thursday 27th August, 2015
Dividend For VM.L
Friday 1st May, 2015
Virgin Money Holdings (UK) PLC Annual Shareholders Meeting
Wednesday 15th April, 2015
Virgin Money Holdings(UK)Ltd Secondary Public Offering Pricing
Thursday 13th November, 2014
Virgin Money Holdings(UK)Ltd Initial Public Offering Pricing

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