Virgin Money UK PLC (CYBBF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Virgin Money UK PLC (CYBBF) trades at $2.30. Virgin Money UK PLC provides a range of banking products and services to consumers and businesses in the United Kingdom. Market cap: $3.78B, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for CYBBF: CYBBF 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 CYBBF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CYBBF: 1/1 perspectives are bearish.
How is this calculated? →Virgin Money UK PLC (CYBBF) Financial Services Profile
Virgin Money UK PLC is a regional bank providing diverse financial services, including savings accounts, mortgages, and business loans, primarily in the United Kingdom. Operating under multiple brands, it competes with both traditional and digital banking solutions, emphasizing customer service and innovative products within the UK financial sector.
What Is the Investment Thesis for CYBBF?
Virgin Money UK PLC presents an investment opportunity within the UK's regional banking sector. With a P/E ratio of 15.6 and a dividend yield of 1.84%, the company offers potential value and income. The bank's diverse product offerings and multiple brands allow it to cater to a broad customer base. Growth catalysts include further expansion of its digital banking services and strategic partnerships to enhance customer acquisition. However, potential risks include increased competition from both traditional and fintech companies, as well as the impact of economic fluctuations on loan performance. Monitoring the company's ability to maintain its profit margin of 4.7% and adapt to changing regulatory requirements is crucial for assessing its long-term investment viability.
Based on FMP financials and quantitative analysis
CYBBF Key Highlights
- Market capitalization of $3.78B, reflecting its position in the UK regional banking sector.
- P/E ratio of 15.6, indicating its valuation relative to earnings.
- Profit margin of 4.7%, showcasing its profitability in a competitive market.
- Gross margin of 100.0%, reflecting the revenue generated from its financial services.
- Dividend yield of 1.84%, offering a return to investors.
Who Are CYBBF's Competitors?
CYBBF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMMHF AMMB Holdings Berhad | $1.25 | +0.00% | $4.15B | 64 |
| BOFKF The Bank of Kyoto, Ltd. | $43.50 | +0.00% | $3.23B | 48 |
| CBWBF Canadian Western Bank | $39.71 | +0.00% | $3.84B | 52 |
| CKNQP CoBank, ACB | $100.00 | +0.20% | $3.24B | 52 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CYBBF's Key Strengths?
- Established brand presence in the UK.
- Diverse range of banking products and services.
- Multi-brand strategy targeting different customer segments.
- Strong focus on customer service.
What Are CYBBF's Weaknesses?
- Profit margin of 4.7% is relatively low compared to some competitors.
- High beta of 1.89 indicates higher volatility compared to the market.
- Reliance on the UK market exposes it to UK-specific economic risks.
- AI analysis pending, indicating potential gaps in analytical capabilities.
What Could Drive CYBBF Stock Higher?
- Potential interest rate changes by the Bank of England impacting lending margins.
- Expansion of digital banking services and customer adoption.
- Strategic partnerships with fintech companies to enhance product offerings.
- Growth in the UK mortgage market and increased lending activity.
What Are the Key Risks for CYBBF?
- Financial-distress signal — its Altman Z-Score of 0.45 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from traditional and fintech companies.
- Economic fluctuations impacting loan performance and credit quality.
- Regulatory changes affecting the banking sector and capital requirements.
- Cybersecurity risks and data breaches compromising customer data.
- Integration challenges associated with managing multiple brands.
What Are the Growth Opportunities for CYBBF?
- 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 and innovative features can attract new customers and improve customer retention. The UK digital banking market is projected to grow, offering a substantial opportunity for Virgin Money UK PLC to increase its market share. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with fintech companies and other businesses can provide Virgin Money UK PLC with access to new technologies and customer segments. Partnerships can enhance its product offerings and improve its competitive position. For example, partnering with a fintech company specializing in personal finance management could attract younger customers. Timeline: Ongoing.
- Mortgage Market Growth: The UK mortgage market presents a significant growth opportunity for Virgin Money UK PLC. By offering competitive mortgage rates and flexible loan terms, the company can attract new homebuyers and increase its mortgage portfolio. Focus on first-time buyers and sustainable housing initiatives can further differentiate its offerings. Timeline: Ongoing.
- Business Lending Expansion: Virgin Money UK PLC can expand its business lending activities by targeting small and medium-sized enterprises (SMEs). Offering tailored financial solutions and personalized service can attract businesses seeking funding for growth and expansion. The SME lending market in the UK is substantial, providing ample opportunities for Virgin Money UK PLC. Timeline: Ongoing.
- Cross-Selling Opportunities: Leveraging its existing customer base, Virgin Money UK PLC can increase revenue by cross-selling additional products and services. Offering bundled packages of banking, insurance, and investment products can enhance customer value and improve customer retention. Data analytics can be used to identify customer needs and tailor cross-selling offers. Timeline: Ongoing.
What Opportunities Does CYBBF Have?
- Expansion of digital banking services to attract new customers.
- Strategic partnerships with fintech companies to enhance product offerings.
- Growth in the UK mortgage market.
- Expansion of business lending activities targeting SMEs.
What Threats Does CYBBF Face?
- Intense competition from traditional and fintech companies.
- Economic fluctuations impacting loan performance.
- Regulatory changes affecting the banking sector.
- Cybersecurity risks and data breaches.
What Are CYBBF's Competitive Advantages?
- Established brand recognition in the UK banking sector.
- Diverse product offerings catering to a broad customer base.
- Multiple brands (Clydesdale Bank, Yorkshire Bank, Virgin Money) providing market segmentation.
- Strong customer relationships and service focus.
What Does CYBBF Do?
Founded in 1838 and headquartered in Glasgow, United Kingdom, Virgin Money UK PLC has evolved from its origins as Clydesdale Bank to become a significant player in the UK banking sector. Originally known as CYBG PLC, the company rebranded to Virgin Money UK PLC in October 2019, marking a strategic shift towards leveraging the Virgin brand's recognition and customer appeal. The company operates under the Clydesdale Bank, Yorkshire Bank, and Virgin Money brands, catering to consumers and small to medium-sized businesses. Its comprehensive suite of products and services includes savings and current accounts, mortgages, credit cards, and home loans. For businesses, Virgin Money UK PLC provides business loans, overdraft facilities, treasury solutions, corporate and structured finance, asset and invoice finance services, risk management, and international trade services. Additionally, the company offers insurance products, including home, car, and life and critical illness insurance. Virgin Money UK PLC delivers its services through online, mobile, and telephone banking channels, focusing on providing accessible and convenient banking solutions to its customers across the United Kingdom.
What Products and Services Does CYBBF Offer?
- Provides savings and current accounts to consumers.
- Offers mortgages and home loans.
- Provides credit cards.
- Offers business loans and overdraft facilities to SMEs.
- Provides treasury solutions and corporate finance.
- Offers asset and invoice finance services.
- Provides risk management services.
- Offers home, car, and life insurance products.
How Does CYBBF Make Money?
- Generates revenue from interest income on loans and mortgages.
- Earns fees from banking services, such as account maintenance and transactions.
- Receives commissions from insurance products.
- Provides financial services to consumers and businesses in the UK.
What Industry Does CYBBF Operate In?
Virgin Money UK PLC operates in the competitive UK banking sector, characterized by both traditional high-street banks and emerging fintech companies. The market is influenced by factors such as interest rates, regulatory changes, and consumer spending habits. The UK banking industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Competitors include established players like AMMHF (Allied Irish Banks), BOFKF (Bank of Ireland Group), CBCY (Close Brothers Group), CBWBF (Co-operative Bank), and CKNQP (Investec). Virgin Money UK PLC differentiates itself through its multi-brand strategy and focus on customer service.
Who Are CYBBF's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring financial solutions.
- Homebuyers looking for mortgages and home loans.
- Businesses needing corporate and structured finance.
FY2026 estForward Outlook
Wall Street analysts project Virgin Money UK PLC revenue of about $2.58B for fiscal 2026, with EPS near $0.38.
F-Score 8/9Financial Health
Virgin Money UK PLC's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.45 places it in the distress zone, a signal of elevated financial risk.
ROE 4%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. CYBBF trades at a trailing price-to-earnings ratio of 15.58, below the Financial Services sector average of ~18x. 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 (CYBBF) Valuation Context
Valued at $3.78B, CYBBF 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 David Joseph Duffy B.B.S., MA. CYBBF has traded publicly since 2016.
CYBBF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, aligning interests with shareholders.
- Community sentiment is leaning bullish, with many seeing long-term potential in Virgin Money's UK market position.
- The market seems to be viewing Virgin Money as a stable player in the UK banking sector, a positive shift in perception.
- Positive developments in the UK housing market could boost Virgin Money's mortgage business, fueling optimism.
Bear Case
- Some insiders have been selling shares, which could signal concerns about the company's future performance.
- Bearish community views highlight worries about the UK's economic outlook and its impact on Virgin Money.
- Market perception is that Virgin Money faces stiff competition from larger UK banks, limiting growth potential.
- Recent developments in the UK economy, like inflation, are creating uncertainty about Virgin Money's profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
CYBBF Latest News
No recent news available for CYBBF.
CYBBF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CYBBF.
Price Targets
Wall Street price target analysis for CYBBF.
CYBBF MoonshotScore
What does this score mean?
The MoonshotScore rates CYBBF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: David Joseph Duffy B.B.S., MA
Chief Executive Officer
David Joseph Duffy is the Chief Executive Officer of Virgin Money UK PLC. He brings extensive experience in the financial services industry, having held various leadership positions in major banking institutions. His background includes a B.B.S. and MA, providing a strong academic foundation for his executive role. Duffy's career has focused on driving growth, improving operational efficiency, and enhancing customer experience.
Track Record: Under Duffy's leadership, Virgin Money UK PLC has focused on integrating its various brands and expanding its digital banking capabilities. Key achievements include streamlining operations and improving customer satisfaction scores. Duffy has also overseen strategic initiatives to enhance the company's market position and drive sustainable growth.
CYBBF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Virgin Money UK PLC (CYBBF) may have limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like NYSE or NASDAQ. Companies in this tier may not meet the minimum financial standards or disclosure requirements necessary for listing on higher-tier exchanges. This tier often includes companies with limited operating history, smaller market capitalization, or those that have been delisted from major exchanges. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Potential for lower trading volume and liquidity.
- Increased price volatility due to limited market participation.
- Higher risk of fraud or manipulation compared to listed exchanges.
- Information scarcity and difficulty in obtaining reliable financial data.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Investigate the background and experience of the management team.
- Evaluate the company's capital structure and debt levels.
- Monitor trading volume and price volatility.
- Consult with a qualified financial advisor.
- Established operating history in the UK banking sector.
- Presence of a recognized CEO and management team.
- Availability of some financial information, even if limited.
- Operation under established brands (Clydesdale Bank, Yorkshire Bank, Virgin Money).
- Audited financials (if available).
CYBBF Financial Services Stock FAQ
What does Virgin Money UK PLC do?
Virgin Money UK PLC is a financial services provider operating in the United Kingdom, offering a range of banking products and services to consumers and small to medium-sized businesses. The company operates under the Clydesdale Bank, Yorkshire Bank, and Virgin Money brands, providing savings and current accounts, mortgages, credit cards, and loans. It also offers business banking solutions, including loans, overdrafts, and treasury services, focusing on delivering accessible and convenient banking solutions through online, mobile, and telephone channels.
What are the main risks for CYBBF?
The main risks for Virgin Money UK PLC include increased competition from both traditional banks and fintech companies, which could impact its market share and profitability. Economic fluctuations in the UK could affect loan performance and credit quality. Regulatory changes in the banking sector could increase compliance costs and capital requirements. Cybersecurity risks and data breaches pose a threat to customer data and reputation. The company's integration of multiple brands also presents operational and strategic challenges.
What are the key factors to evaluate for CYBBF?
Evaluate CYBBF on fundamentals, analyst consensus, and risk factors. P/E: 15.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CYBBF data refresh on this page?
CYBBF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CYBBF's recent stock price performance?
Virgin Money UK PLC (CYBBF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand presence in the UK. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CYBBF overvalued or undervalued right now?
Virgin Money UK PLC (CYBBF) trades at 15.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CYBBF?
Before investing in Virgin Money UK PLC (CYBBF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CYBBF to a portfolio?
Key strength of Virgin Money UK PLC (CYBBF): Established brand presence in the UK. Weigh rewards against risks and diversify. Not financial advice.
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
Data provided for informational purposes only.
- Financial data is based on the most recently available information.
- OTC market data may be limited and less reliable than exchange-listed data.
- AI analysis is pending and may provide further insights.