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CYBG Fundamentals

Company Name CYBG Last Updated 21 May 2019
Industry Financials Sector Banks
Shares in Issue (m) 1,433.46 Market Cap (£m) 2,693.47
PE Ratio -9.54 Div per Share (p) 3.10
Div Yield 0.00 Div Cover 0.00
EPS -19.70 EPS Growth (%) -213.87
PEG 0.04 DPS Growth (%) 210.00
Debt Ratio 92.67 Debt Equity Ratio 1.00
Net Gearing 77.54 Gross Gearing 92.67
Asset Equity Ratio 13.64 Cash Equity Ratio 206.31
Quick Ratio 0.00 Current Ratio 0.00
Price To Book Value 0.85 ROCE -0.38

CYBG Dividends

Type Ex-Date Pay Date Currency Net Dividend Year Total
H2 Dividend 17 Jan 2019 15 Feb 2019 GBX 3.10 3.10
H2 Dividend 18 Jan 2018 16 Feb 2018 GBX 1.00 1.00

CYBG Company Financials

Assets (£m) 2018 2017 2016
Tangible Assets 88 86 99
Intangible Assets 412 339 256
Investments 613 549 393
Total Fixed Assets 1,113 974 748
Stocks 0 0 0
Debtors 33,580 32,567 29,202
Cash & Equivalents 6,573 6,937 5,955
Other Assets 2,190 2,753 4,024
Total Assets 43,456 43,231 39,929
Liabilities (£m) 2018 2017 2016
Creditors within 1 year 0 0 0
Creditors after 1 year 0 0 0
Other Liabilities 40,270 39,829 36,718
Total Liabilities 40,270 39,829 36,718
Net assets 3,186 3,402 3,211
Equity (£m) 2018 2017 2016
Called up share capital 89 88 88
Share Premium 0 0 0
Profit / Loss -164 268 77
Other Equity 224 259 344
Preference & Minorities 0 0 0
Total Capital Employed 3,186 3,402 3,211
Ratios 2018 2017 2016
Debt Ratio 92.67 92.13 91.96
Debt-to-Equity 1.00 1.00 1.00
Net Gearing 77.54 76.08 77.04
Gross Gearing 92.67 92.13 91.96
Assets / Equity 13.64 12.71 12.44
Cash / Equity 206.31 203.91 185.46
EPS -19.70 17.30 -22.50
Cash Flow (£m) 2018 2017 2016
Cash from operating activities -1,125 -532 -359
Cashflow before financing -796 -1,083 -652
Increase in Cash -410 1,002 -387
Income (£m) 2018 2017 2016
Turnover 1,007 1,036 997
Cost of sales 0 0 0
Gross Profit 0 0 0
Operating Profit -164 316 116
Pre-Tax profit -164 268 77
Profit / Loss for the year 89 88 88

CYBG Company Background

Sector Banks
Activities CYBG plc , together with its subsidiary undertakings, operate under the Clydesdale Bank, Yorkshire Bank and B brands. It offers a range of banking services for both retail and business customers through retail branches, business banking centres, direct and online channels, and brokers.
Latest Interim Date 15 May 2019
Latest Fiscal Year End Date 20 Nov 2018

CYBG Directors

Appointed Director Position
29 Sep 2015 David Joseph Duffy Chief Executive Officer
27 Aug 2015 Ian Stuart Smith Chief Financial Officer
27 Aug 2015 James Neilson Pettigrew Non-Executive Chairman
22 Oct 2015 David Jonathan Bennett Non-Executive Dep Chairman
01 Jun 2016 Paul Jonathan Coby Non-Executive Director
12 Sep 2016 Timothy Cardwell Wade Non-Executive Director
29 Sep 2015 Dr Teresa Robson-Capps Non-Executive Director
12 Sep 2016 Fiona Anne MacLeod Non-Executive Director
29 Sep 2015 Adrian Thomas Grace Non-Executive Director
01 Jul 2016 Clive Peter Adamson Non-Executive Director
15 Oct 2018 Geeta Gopalan Non-Executive Director
15 Oct 2018 Darren Scott Pope Non-Executive Director
15 Oct 2018 Amy Elizabeth Stirling Non-Executive Director

CYBG Contact Details

Company Name CYBG
Company Address 20 Merrion Way, Leeds LS2 8NZ.
Company Telephone +44 (0)7766 924 154
Company Website http://www.cybg.com/

CYBG Advisors

Auditor Name Ernst & Young LLP
Auditor Address 1 More London Place, London SE1 2AF.
Auditor Website http://www.ey.com/
Auditor Telephone +44 (0)20 7951 2000
Registrar Name Computershare Investor Service
Registrar Address The Pavillions, Bridgwater Road, Bristol BS99 1XZ.
Registrar Website http://www-uk.computershare.com/
Registrar Telephone 0870 702 0010
Broker Name Morgan Stanley Securities
Broker Address 25 Cabot Square, Canary Wharf, London E14 4QA.
Broker Website http://www.morganstanley.com/
Broker Telephone +44 (0)20 7425 8000
Adviser Name n/a
Adviser Address n/a
Adviser Website n/a
Adviser Telephone n/a
Solicitor Name Clifford Chance
Solicitor Address 10 Upper Bank Street, London E14 5JJ.
Solicitor Website http://www.cliffordchance.com/
Solicitor Telephone +44 (0)20 7006 1000
Stockbroker Name n/a
Stockbroker Address n/a
Stockbroker Website n/a
Stockbroker Telephone n/a