Financial Services
Live Price
Offline$2.20
+0.00% today
1Y Change
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Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Virgin Money UK PLC (CBBYF) is a Financial Services stock with a market cap of $3.54B. The stock last traded around $2.20. Baseline metrics include revenue growth of -8.8%, EPS growth of -56.3%, a dividend yield of 1.8%. What stands out right now is revenue -8.8%, EPS -56.3%, free cash flow -108.9% with operating margin 12.1% and ROIC 0.7%. The dividend is present but secondary, with a yield around 1.8%. Valuation is more restrained than many high-expectation growth names at P/E 15.6 and price/sales 0.7. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CBBYF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
CBBYF
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Normalized return
SPY
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S&P 500
Excess Return
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Relative to SPY
CBBYF Max Drawdown
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Trailing 1Y
SPY Max Drawdown
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Trailing 1Y
Uses the longest available daily history for CBBYF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.6B
+69.9% YoY
FY Net Income
-$253.0M
-15.0% YoY
Free Cash Flow
-$2.5B
-96.0% YoY
Revenue Growth
-8.8%
EPS Growth
-56.3%
Gross Margin
100.0%
Net Margin
4.7%
Income statement
GBP
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| Revenue | 1.5B | 1.7B | 1.6B | 942M | 1.6B |
| Gross Profit | 1.5B | 1.7B | 1.6B | 942M | 1.6B |
| Operating Income | 488M | 739M | 727M | 25M | 713M |
| EBITDA | 0 | 0 | 0 | 0 | 0 |
| Net Income | 192M | 467M | 395M | -220M | -253M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
GBP
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| Cash & Equivalents | 1.5B | 1.6B | 2.2B | 9.8B | 11.1B |
| Total Assets | 91.8B | 91.9B | 89.1B | 90.3B | 91.0B |
| Total Liabilities | 86.2B | 85.6B | 83.6B | 85.3B | 86.0B |
| Shareholder Equity | 5.6B | 6.3B | 5.5B | 4.9B | 5.0B |
| Total Debt | 16.0B | 15.7B | 13.6B | 14.2B | 16.9B |
| Net Debt | 14.5B | 14.1B | 11.4B | 4.4B | 5.8B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2.5B
-96.6% YoY
Capital Expenditures
20M
-42.9% YoY
Free Cash Flow
2.5B
-96.0% YoY
Key ratios
Gross Margin
100.0%
Operating Margin
12.1%
Net Margin
4.7%
ROE
3.6%
Debt / Equity
3.81x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.