Financials Virgin Money UK PLC

Equities

Market Closed - London S.E. Other stock markets 11:35:01 2024-09-12 EDT			5-day change	1st Jan Change
217.00 ^GBX	0.00%		+0.65%	+31.96%

02:53pm	Britain's challenger banks boosted by capital rules revamp	RE
09-10	Alpha Group International says CEO resigns but retains shareholding	AN

Fiscal Period: September	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	1,749	1,443	1,572	1,755	1,827	1,880	1,938	1,976
Change	-	-17.5%	8.94%	11.64%	4.1%	2.88%	3.11%	1.98%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	692	625	670	841	902	888.4	919.9	948.7
Change	-	-9.68%	7.2%	25.52%	7.25%	-1.51%	3.55%	3.13%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-232	-168	417	595	345	523	595.6	615.4
Change	-	-27.59%	-	42.69%	-42.02%	51.6%	13.87%	3.32%
Net income ¹	-268	-220	395	467	192	344.4	377.5	382.9
Change	-	-17.91%	-	18.23%	-58.89%	79.37%	9.6%	1.44%
Announcement Date	19-11-28	20-11-25	21-11-04	22-11-21	23-11-23	-	-	-

¹GBP in Million

Estimates

Fiscal Period: September	2020 S1	2020 S2	2021 S1	2021 S2	2022 S1	2022 S2	2023 S1	2023 S2	2024 S1	2024 S2	2025 S1	2025 S2	2026 S1
Net sales ¹	817	626	743	829	865	890	933	894	940	932.6	935.7	955.6	965.1
Change	-	-23.38%	18.69%	11.57%	4.34%	2.89%	4.83%	-4.18%	5.15%	-0.79%	0.34%	2.13%	0.99%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	352	273	283	387	409	432	456	-	438	-	-	-	-
Change	-	-22.44%	3.66%	36.75%	5.68%	5.62%	5.56%	-100%	-	-100%	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-7	-161	72	345	315	280	236	-	279	-	-	-	-
Change	-	2,200%	-	379.17%	-8.7%	-11.11%	-15.71%	-100%	-	-100%	-	-	-
Net income	-18	-202	40	355	198	269	152	40	210	-	-	-	-
Change	-	1,022.22%	-	787.5%	-44.23%	35.86%	-43.49%	-73.68%	425%	-100%	-	-	-
Announcement Date	20-05-06	20-11-25	21-05-05	21-11-04	22-05-05	22-11-21	23-05-04	23-11-23	24-06-13	-	-	-	-

¹GBP in Million

Estimates

Fiscal Period: September	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	19-11-28	20-11-25	21-11-04	22-11-21	23-11-23	-	-	-

Estimates

Fiscal Period: September	2018	2019	2020	2021	2022	2023
CAPEX ¹	22	20	14	26	13	9
Change	-	-9.09%	-30%	85.71%	-50%	-30.77%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	18-11-27	19-11-28	20-11-25	21-11-24	22-11-25	23-11-23

¹GBP in Million

Estimates

Fiscal Period: September	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	39.57%	43.31%	42.62%	47.92%	49.37%	47.26%	47.47%	48%
EBT Margin (%)	-	-13.26%	-11.64%	26.53%	33.9%	18.88%	27.83%	30.73%	31.14%
Net margin (%)	-	-15.32%	-15.25%	25.13%	26.61%	10.51%	18.32%	19.48%	19.37%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.54%	0.09%	0.83%	0.6%	0.21%	0.5%	0.46%	0.46%
ROE	-	7.9%	0.4%	7.59%	10.36%	3.21%	7.62%	8.07%	7.88%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	-	0.01	0.1	0.126	0.0785	0.0944	0.1035
Change	-	-	-	-	900%	26%	-37.67%	20.16%	9.72%
Book Value Per Share ¹	-	3.5	3.43	3.801	4.501	4.17	4.088	4.475	4.854
Change	-	-	-2.01%	10.81%	18.43%	-7.35%	-1.98%	9.49%	8.47%
EPS ¹	-	-0.179	-0.153	0.273	0.323	0.139	0.2688	0.3082	0.3515
Change	-	-	-14.53%	-278.43%	18.32%	-56.97%	93.36%	14.68%	14.03%
Nbr of stocks (in thousands)	-	1,434,472	1,437,946	1,439,993	1,405,946	1,344,441	1,296,473	1,296,473	1,296,473
Announcement Date	-	19-11-28	20-11-25	21-11-04	22-11-21	23-11-23	-	-	-