VIRGIN MONEY UK PLC (VUK)
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VUK - VIRGIN MONEY UK PLC

FNArena Sector : Banks
Year End: September
GICS Industry Group : Banks
Index: ASX100 | ASX200 | ASX300 | ALL-ORDS

Virgin Money UK is a financial services and banking company operating in the UK. National Australia Bank demerged Clydesdale and Yorkshire Bank, or CYBG, in 2016. CYBG acquired Virgin Money in 2018. The following year CYBG consolidated its business under the Virgin Money brand in the UK. Sir Richard Branson had bought taxpayer bailout Northern Rock for 50% of the cost of saving in 2011, through a consortium, and renamed it Virgin Money UK.

LAST PRICE CHANGE +/- CHANGE % VOLUME

$2.58

16 May
2022

0.000

OPEN

$2.61

0.000

HIGH

$2.63

1,534,028

LOW

$2.57

TARGET
$3.80 47.3% upside
Franking for last dividend paid out: 0%
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FNARENA'S MARKET CONSENSUS FORECASTS
VUK: 1
Title FY22
Forecast
FY23
Forecast
EPS (cps) 47.9 xxx
DPS (cps) 11.1 xxx
EPS Growth N/A xxx
DPS Growth N/A xxx
PE Ratio 5.4 xxx
Dividend Yield 4.2% xxx
Div Pay Ratio(%) 23.1% xxx
This company reports in GBP.
All estimates have been converted into AUD by FNArena at present FX values.

Dividend yield today if purchased 3 years ago: N/A

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

N/A

Estimated Dividend Growth
(Average Of Past Three Years)

 %

Amount Invested

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Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages

Last ex-div: 10/02 - ex-div 1.86c (franking 0%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2022 FactSet UK Limited. All rights reserved
Title 201620172018201920202021
EPS Basic xxxxxxxxxxxxxxx49.9
DPS All xxxxxxxxxxxxxxx1.9
Sales/Revenue xxxxxxxxxxxxxxx3,835.2 M
Book Value Per Share xxxxxxxxxxxxxxx590.8
Net Operating Cash Flow xxxxxxxxxxxxxxx1,646.3 M
Net Profit Margin xxxxxxxxxxxxxxx18.76 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 201620172018201920202021
Return on Capital Employed xxxxxxxxxxxxxxx9.13 %
Return on Invested Capital xxxxxxxxxxxxxxx2.41 %
Return on Assets xxxxxxxxxxxxxxx0.44 %
Return on Equity xxxxxxxxxxxxxxx9.13 %
Return on Total Capital xxxxxxxxxxxxxxx1.96 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx1,598.9 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

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Sentiment Indicator

0.0

No. Of Recommendations

1
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Macquarie

06/05/2022

3

Neutral

$3.80

47.29%

Macquarie comments Virgin Money UK's leverage to rising interest rates was the dominant stand-out from the bank's interim report. Alas, aggressive mortgage competition is offsetting the benefits.

Given only small changes made to forecasts, we have to assume the financials were broadly in-line.

Management has indicated margins might be lower in the second half. Macquarie also thinks further investments are needed to support the franchise and systems quality.

Target price $3.80 (decline of -4%), or GBP2.25. Despite valuation appeal, the broker sticks with a Neutral rating.

FORECAST
Macquarie forecasts a full year FY22 dividend of 11.06 cents and EPS of 47.91 cents.
Macquarie forecasts a full year FY23 dividend of 14.74 cents and EPS of 49.75 cents.

VUK STOCK CHART