Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Virgin Money UK PLC (VMUK.L)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$82.36 - $97.03$90.93
Multi-Stage$23.15 - $25.37$24.24
Blended Fair Value$57.59
Current Price$2.16
Upside2,565.98%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2023202220212020201920182017201620152014
DPS75.07%0.00%0.110.040.060.060.030.010.030.030.010.00
YoY Growth--196.00%-36.71%0.00%75.56%400.00%-75.00%2.86%94.44%0.00%0.00%
Dividend Yield--6.41%2.93%2.82%7.87%2.85%0.20%0.86%0.96%0.68%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)671.00
(-) Cash Dividends Paid (M)320.00
(=) Cash Retained (M)351.00
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)134.2083.8850.33
Cash Retained (M)351.00351.00351.00
(-) Cash Required (M)-134.20-83.88-50.33
(=) Excess Retained (M)216.80267.13300.68
(/) Shares Outstanding (M)1,375.291,375.291,375.29
(=) Excess Retained per Share0.160.190.22
LTM Dividend per Share0.230.230.23
(+) Excess Retained per Share0.160.190.22
(=) Adjusted Dividend0.390.430.45
WACC / Discount Rate5.21%5.21%5.21%
Growth Rate5.50%6.50%7.50%
Fair Value$82.36$90.93$97.03
Upside / Downside3,712.82%4,109.80%4,392.14%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)671.00714.62761.06810.53863.22919.33946.91
Payout Ratio47.69%56.15%64.61%73.08%81.54%90.00%92.50%
Projected Dividends (M)320.00401.27491.75592.31703.85827.40875.89

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate5.21%5.21%5.21%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)377.83381.41384.99
Year 2 PV (M)435.97444.28452.66
Year 3 PV (M)494.44508.64523.10
Year 4 PV (M)553.23574.51596.39
Year 5 PV (M)612.34641.92672.63
PV of Terminal Value (M)29,366.3430,784.7532,257.44
Equity Value (M)31,840.1633,335.5034,887.21
Shares Outstanding (M)1,375.291,375.291,375.29
Fair Value$23.15$24.24$25.37
Upside / Downside971.83%1,022.17%1,074.40%

High-Yield Dividend Screener

« Prev Page 8 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
ACICAmerican Coastal Insurance Corporation4.24%$0.4828.28%
NCDLNuveen Churchill Direct Lending Corp.4.24%$0.5730.88%
ESEversource Energy4.23%$2.8879.84%
ISBCInvestors Bancorp, Inc.4.21%$0.5844.24%
KMIKinder Morgan, Inc.4.21%$1.1795.05%
PWODPenns Woods Bancorp, Inc.4.17%$1.2545.44%
DDSDillard's, Inc.4.16%$26.5071.17%
RLIRLI Corp.4.16%$2.6067.96%
TFCTruist Financial Corporation4.16%$2.0753.19%
RMBIRichmond Mutual Bancorporation, Inc.4.15%$0.5854.33%
PRPermian Resources Corporation4.14%$0.6052.90%
RILYTB. Riley Financial, Inc. 6.00% Senior Notes Due 20284.13%$0.5856.91%
DGICADonegal Group Inc.4.12%$0.8028.85%
AUBNAuburn National Bancorporation, Inc.4.11%$1.0876.62%
FHBFirst Hawaiian, Inc.4.11%$1.0650.97%
PORPortland General Electric Company4.09%$1.9872.28%
NEWTLNewtek Business Services Corp.4.08%$1.0244.14%
NEWTGNewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 20294.06%$1.0244.14%
NEWTZNewtek Business Services Corp. 5.50% Notes Due 20264.05%$1.0244.14%
LKQLKQ Corporation4.04%$1.2144.76%
NWENorthwestern Energy Group Inc4.04%$2.6274.07%
PXDPioneer Natural Resources Company4.00%$10.8054.25%
HAFCHanmi Financial Corporation3.99%$1.0744.22%
KSSKohl's Corporation3.99%$0.8550.52%
APAAPA Corporation3.98%$1.0124.12%
NWNNorthwest Natural Holding Company3.98%$1.8676.25%
HFWAHeritage Financial Corporation3.97%$0.9456.54%
WSBCWesBanco, Inc.3.97%$1.3265.39%
FULTFulton Financial Corporation3.96%$0.7739.22%
REYNReynolds Consumer Products Inc.3.96%$0.9163.16%
MSMMSC Industrial Direct Co., Inc.3.95%$3.3995.14%
RF-PFRegions Financial Corporation3.95%$1.0141.98%
NEWTINewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 20283.94%$0.9942.24%
BOHBank of Hawaii Corporation3.93%$2.6958.42%
DCOMDime Community Bancshares, Inc.3.93%$1.1786.59%
OGEOGE Energy Corp.3.93%$1.6967.72%
ASIEXMultisector Income Fund - Investor Class3.92%$0.3596.64%
ESSEssex Property Trust, Inc.3.90%$10.0376.31%
WABCWestamerica Bancorporation3.90%$1.8639.32%
NJRNew Jersey Resources Corporation3.88%$1.7853.65%
XHRXenia Hotels & Resorts, Inc.3.88%$0.5693.99%
ARTNAArtesian Resources Corporation3.87%$1.2255.68%
FFBCFirst Financial Bancorp.3.87%$0.9738.17%
PNWPinnacle West Capital Corporation3.87%$3.4169.92%
UEUrban Edge Properties3.87%$0.7482.23%
NECBNortheast Community Bancorp, Inc.3.86%$0.8827.20%
SCSCXTouchstone Large Cap Focused Fund Class C3.86%$2.8037.43%
BBWIBath & Body Works, Inc.3.85%$0.8024.18%
BHBBar Harbor Bankshares3.85%$1.2054.11%
UGIUGI Corporation3.85%$1.4547.35%