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Virgin Money UK PLC
VMUK.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £4.04B | 4.7% | £190.07M | £339.70M | N/A |
| 2027 | £4.16B | 4.7% | £195.39M | £349.21M | £317.46M |
| 2028 | £4.27B | 4.7% | £200.86M | £358.99M | £296.68M |
| 2029 | £4.39B | 4.7% | £206.48M | £369.04M | £277.26M |
| 2030 | £4.52B | 4.7% | £212.27M | £379.37M | £259.11M |
| 2031 | £4.64B | 4.7% | £218.21M | £389.99M | £242.15M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.14 | 2023-09-30 |
| EPS growth | -40.0% | Forecast years: 5 |
| Future EPS | £0.011 | EPS × (1 + G)^5 |
| Base P/E | 12.1 | P/E |
| Future price | £0.132 | Future EPS × P/E |
| Fair value today | £0.082 | PV @ 10.0% |
| 30% safety price | £0.057 | Margin of safety |
| 50% safety price | £0.041 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -£1,199.296 | -£1,146.021 | -£1,073.374 |
| 10.0% | -£1,253.413 | -£1,214.135 | -£1,162.772 |
| 11.0% | -£1,296.126 | -£1,266.219 | -£1,228.338 |