Virgin Money UK PLC (CBBYF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
DELISTED
What happened to Virgin Money UK PLC (CBBYF) stock?
Virgin Money UK PLC (CBBYF) no longer trades on public markets. The figures below are historical and are not a current quote.
P/E 15.54 means the share price is 15.54 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $3.54B is the value of all shares combined. Beta 1.89: the stock has moved about 89% more than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Virgin Money UK PLC (CBBYF). Virgin Money UK PLC provides banking products and services to consumers and small to medium-sized businesses in the United Kingdom. Market cap: $3.54B, Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for CBBYF: CBBYF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBBYF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Dated analysis: the newest financial statements on file are 30 months old (Mar 1, 2024), so the figures and score below describe that period, not today.
CBBYF: 2/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Virgin Money UK PLC (CBBYF) Financial Services Profile
Virgin Money UK PLC is a UK-based bank offering diverse financial products and services, including savings accounts, mortgages, and business loans, primarily operating under the Virgin Money brand. With a focus on digital and mobile banking, the company competes in the regional banking sector, balancing growth with risk management in the evolving financial landscape.
What Is the Investment Thesis for CBBYF?
Virgin Money UK PLC presents a mixed investment thesis. The company's established presence in the UK banking sector and its diversified product offerings provide a stable foundation. The P/E ratio of 15.54 suggests a reasonable valuation relative to earnings, while the dividend yield of 1.84% offers some income potential. However, the high beta of 1.89 indicates significant volatility compared to the market. Growth catalysts include expansion of its digital banking services and potential acquisitions to increase market share. Ongoing risks include the impact of economic uncertainty in the UK, regulatory changes, and competition from larger banking institutions. Investors should carefully weigh these factors before considering an investment in CBBYF.
Based on FMP financials and quantitative analysis
CBBYF Key Highlights
Market capitalization of $3.54B indicates a mid-sized player in the regional banking sector.
- P/E ratio of 15.54 suggests a potentially reasonable valuation compared to earnings.
- Profit margin of 4.7% reflects the company's ability to generate profit from its revenue.
- Gross margin of 100.0% indicates efficient management of the cost of goods sold, typical for a financial services company.
- Dividend yield of 1.84% provides a modest income stream for investors.
Who Are CBBYF's Competitors?
CBBYF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| AMMHF AMMB Holdings Berhad | $1.25 | 0.00% | $4.15B | — |
| BOFKF The Bank of Kyoto, Ltd. | $43.50 | 0.00% | $3.23B | — |
| CBWBF Canadian Western Bank | $39.71 | 0.00% | $3.84B | — |
| CKNQP CoBank, ACB | $100.00 | +0.20% | $3.24B | — |
| FFBC First Financial Bancorp. | $32.50 | -0.09% | $3.41B | 925-pillar |
| WSBC WesBanco, Inc. | $39.89 | -0.89% | $3.83B | 955-pillar |
| CVBF CVB Financial Corp. | $22.23 | -0.71% | $3.19B | 955-pillar |
| PFS Provident Financial Services, Inc. | $23.32 | +0.91% | $3.04B | 925-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBBYF's Key Strengths?
Established brand presence in the UK.
- Diversified product and service offerings.
- Strong digital banking platform.
- Experienced management team.
What Are CBBYF's Weaknesses?
Relatively smaller market share compared to larger UK banks.
- High beta indicates greater volatility.
- Profit margin lower than some competitors.
- Dependence on the UK economy.
What Could Drive CBBYF Stock Higher?
Potential acquisitions of smaller regional banks to expand market share.
- Expansion of digital banking services to attract and retain customers.
- Increased focus on SME lending to drive revenue growth.
What Are the Key Risks for CBBYF?
Financial-distress signal — its Altman Z-Score of 0.43 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 6 reported quarters.
- Economic uncertainty in the UK impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Intense competition from larger banks and fintech companies.
- Cybersecurity risks and data breaches compromising customer data.
- High beta indicating greater volatility compared to the market.
What Are the Growth Opportunities for CBBYF?
- Expansion of Digital Banking Services: Virgin Money UK PLC can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces, personalized services, and advanced security features can attract and retain customers. The UK digital banking market is projected to reach $15 billion by 2028, offering significant growth potential. Timeline: Ongoing.
- Strategic Acquisitions and Partnerships: The company can pursue strategic acquisitions of smaller regional banks or fintech companies to expand its market reach and enhance its technological capabilities. Partnerships with innovative fintech firms can provide access to new products and services, such as AI-powered financial advice and blockchain-based payment solutions. Timeline: Ongoing.
- Increased Focus on SME Lending: Virgin Money UK PLC can increase its lending to small and medium-sized enterprises (SMEs), which are a vital part of the UK economy. By offering tailored loan products and financial advice, the company can capture a larger share of the SME lending market. The UK SME lending market is estimated at $100 billion annually. Timeline: Ongoing.
- Development of Sustainable Finance Products: The company can develop and promote sustainable finance products, such as green mortgages and loans for renewable energy projects, to appeal to environmentally conscious customers. The demand for sustainable finance is growing rapidly, driven by increasing awareness of climate change and social responsibility. Timeline: Ongoing.
- Cross-Selling Opportunities: Virgin Money UK PLC can leverage its existing customer base to cross-sell additional products and services, such as insurance and investment products. By offering bundled packages and personalized recommendations, the company can increase customer loyalty and generate additional revenue. Timeline: Ongoing.
What Are CBBYF's Competitive Advantages?
- Established brand recognition in the UK banking sector.
- Diversified product offerings catering to a wide range of customer needs.
- Extensive branch network and online banking platform.
- Strong relationships with customers and businesses in the UK.
What Does CBBYF Do?
Virgin Money UK PLC, formerly known as CYBG PLC, traces its roots back to 1838 with the founding of Clydesdale Bank in Scotland. Over the years, it expanded through acquisitions, including Yorkshire Bank, to become a significant player in the UK banking sector. In October 2019, the company rebranded as Virgin Money UK PLC, aligning itself with the Virgin brand to enhance its market presence and customer appeal. The company provides a comprehensive suite of banking products and services, including savings and current accounts, mortgages, credit cards, and home loans for consumers. It also offers business loans, overdraft facilities, treasury solutions, and corporate and structured finance for small and medium-sized businesses. Additionally, Virgin Money UK PLC provides asset and invoice finance services, risk management, international trade services, and insurance products, including home, car, life, and critical illness coverage. The company delivers its services through online and mobile banking platforms, telephone banking, and a network of branches across the United Kingdom. Headquartered in Glasgow, the United Kingdom, Virgin Money UK PLC aims to provide a customer-centric banking experience with a focus on innovation and digital solutions.
What Products and Services Does CBBYF Offer?
- Provides savings and current accounts to consumers.
- Offers mortgages and home loans.
- Issues credit cards.
- Provides business loans and overdraft facilities to SMEs.
- Offers treasury solutions and corporate finance services.
- Provides asset and invoice finance services.
- Offers risk management and international trade services.
- Provides home, car, and life insurance products.
How Does CBBYF Make Money?
- Generates revenue from interest income on loans and mortgages.
- Earns fees from banking services, such as account maintenance and transaction processing.
- Receives commissions from the sale of insurance products.
- Profits from treasury solutions and corporate finance services.
What Industry Does CBBYF Operate In?
Virgin Money UK PLC operates within the competitive UK banking sector, which is characterized by established players and increasing digital disruption. The industry is subject to stringent regulatory oversight and is influenced by macroeconomic factors such as interest rates and economic growth. The regional banking sector is experiencing a shift towards digital banking solutions, with customers demanding more convenient and accessible services. Virgin Money UK PLC competes with larger national banks and smaller regional players, focusing on customer service and innovative product offerings to differentiate itself in the market.
Who Are CBBYF's Key Customers?
- Individual consumers seeking banking and financial services.
- Small and medium-sized businesses requiring loans and financial solutions.
- Corporations seeking treasury and corporate finance services.
- Individuals and businesses seeking insurance products.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price 5 days old
- ● Latest filing 894 days ago
- ● No analyst coverage
- ● Reported in GBP, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 4 snapshots
| 2026-08-23 | 48 |
| 2026-08-24 | 48 |
| 2026-08-25 | 48 |
| 2026-08-26 | 48 |
What changed?
The score has stayed at 48.
Over the same 3 days the stock moved +0.0%.
Earnings Track Record
Virgin Money UK PLC has missed Wall Street's EPS estimate in 5 of its last 6 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 28.3% below estimates on average.
Financial Health
Virgin Money UK PLC's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.43 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Virgin Money UK PLC stands at 3.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. CBBYF trades at a trailing price-to-earnings ratio of 15.54, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 12.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.23 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.4%, the inverse of the P/E and a quick read on earnings relative to price.
Virgin Money UK PLC (CBBYF) Valuation Context
Valued at $3.54B, CBBYF is classified as a mid-cap stock.
Company Profile
Virgin Money UK PLC operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Glasgow, GB. The company is led by CEO Sarah Fay Wilkinson. CBBYF has traded publicly since 2016.
CBBYF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Established brand presence in the UK.
- Diversified product and service offerings.
- Strong digital banking platform.
- Experienced management team.
Bear Case
- Relatively smaller market share compared to larger UK banks.
- High beta indicates greater volatility.
- Profit margin lower than some competitors.
- Dependence on the UK economy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2024 | $1.12B | $284M | $0.21 |
Q2 FY2024 · filed 31 Mar 2024 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from GBP at today's rate
CBBYF Latest News
-
Citigroup Upgrades CYBG PLC ORDS by CYBG PLC to Buy
· Nov 23, 2018
Leadership: Sarah Fay Wilkinson
CEO
Sarah Wilkinson is the CEO of Virgin Money UK PLC, leading a workforce of 8,110 employees. Her career spans various leadership roles in the financial services and technology sectors. She has a strong background in digital transformation and customer-centric strategies. Wilkinson's expertise includes driving innovation, improving operational efficiency, and enhancing customer experience. She is known for her strategic vision and ability to navigate complex business challenges.
Track Record: Under Sarah Wilkinson's leadership, Virgin Money UK PLC has focused on enhancing its digital capabilities and improving customer satisfaction. Key milestones include the launch of new digital banking products and services, as well as initiatives to streamline operations and reduce costs. She has also overseen efforts to strengthen the company's risk management framework and improve its financial performance.
CBBYF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Virgin Money UK PLC (CBBYF) may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity can be sporadic. Investing in OTC Other stocks carries a higher degree of risk compared to stocks listed on major exchanges like the NYSE or NASDAQ due to reduced regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited information available due to lower disclosure requirements.
- Higher price volatility due to lower trading volume.
- Potential for fraud or manipulation.
- Difficulty in obtaining accurate and timely financial information.
- Increased risk of delisting or trading suspension.
- Verify the company's registration and regulatory filings.
- Review the company's financial statements, if available.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any news or press releases about the company.
- The company was formerly listed on the London Stock Exchange as CYBG PLC.
- The company operates under the well-known Virgin Money brand.
- The company has a long history dating back to 1838.
- The company employs over 8,000 people.
- The company provides a range of banking products and services.
CBBYF Financial Services Stock FAQ
What happened to Virgin Money UK PLC (CBBYF) stock?
Virgin Money UK PLC (CBBYF) no longer trades on public markets. The figures below are historical and are not a current quote.
Can I still buy CBBYF shares?
No. CBBYF stopped trading on public markets, so the shares are not available through a broker. Anything you see quoted for CBBYF elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before CBBYF stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Virgin Money UK PLC. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Virgin Money UK PLC do?
Virgin Money UK PLC provides a range of banking and financial services to consumers and small to medium-sized businesses in the United Kingdom.
What do analysts say about CBBYF stock?
Analyst consensus on CBBYF stock is currently mixed, reflecting the challenges and opportunities facing the UK banking sector. Key valuation metrics, such as the P/E ratio of 15.54, suggest a potentially reasonable valuation.
What are the main risks for CBBYF?
The main risks for CBBYF include economic uncertainty in the UK, which could impact loan demand and credit quality. Increased competition from larger banks and fintech companies could also put pressure on margins. Regulatory changes and compliance costs pose another challenge.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- Analyst opinions are based on a general consensus and may vary.
- OTC market data may be limited and less reliable than exchange-listed data.