CYBG Plc (CYB) - Research

$3.490 0.02 (0.58%)

CYB General Information +

ASX Code CYB
Website http://www.cybg.com
GICS Sub-Industry Diversified Banks
Market Cap ($M) 5,003
Current Price $3.490
Day High $3.530
Day Low $3.430
Last Close $3.470
Price Movement $0.02 ( 0.58% )
Prices as at 16:40, 19 Jul 2019
+Security prices are delayed by at least 20 minutes and are indicative only.

CYB Company Overview

Business Description

CYBG Group (CYB) is a full-service bank focused on UK consumers and small and medium-sized enterprises (SMEs), operating under the Clydesdale Bank, Yorkshire Bank and B brands. CYB serves nearly three million customers through an omni-channel model of online, mobile and telephone banking, together with a network of 169 branches and 40 business banking centres, located mostly in the UK's economic heartlands of Scotland, the north of England and the Midlands.

CYB Financial Summary

Year to Sep NPAT EPS EPS chg (%) PER DPS Yield (%) Franking (%)
2020 F 691.06 52.12 15.40% 6.70 22.00 6.30% 0.0%
2019 F 598.99 45.17 -16.00% 7.73 11.00 3.15% 0.0%
2018 A 475.72 53.75 45.30% 10.46 5.00 0.89% 0.0%

CYB Peer Comparison

Company Mkt Cap EPS Growth (%) P/E (%) Dividend Yield (%)
2018 A 2019 F 2020 F 2018 A 2019 F 2020 F 2018 A 2019 F 2020 F
ANZ Bank (ANZ) $76,874M 0.3455 -0.1020 0.0053 10.3192 11.4910 11.4305 5.90% 5.94% 6.22%
Commonwealth Bank (CBA) $144,062M 0.0218 -0.1589 0.0690 14.3126 17.0173 15.9191 5.30% 5.30% 5.30%
CYBG Plc (CYB) $3,101M 0.4434 -0.4290 0.1572 5.3974 9.4525 8.1685 0.00% 3.08% 4.38%
National Aust. Bank (NAB) $77,611M -0.0292 -0.1050 0.0852 11.5880 12.9473 11.9305 7.36% 6.16% 6.24%
Westpac (WBC) $96,252M -0.0045 -0.1121 0.1000 11.8746 13.3734 12.1573 6.82% 6.82% 6.82%

CYB Market Comparison

Earnings P/E Ratio P/B Ratio P/E Growth
Company 0.27 8.26 0.54 0.00
Market 0.68 14.80 1.18 1.00
Sector 0.77 13.10 1.30 1.77

CYB Directors

Name Position Start Date
Mr David Duffy Chief Executive Officer, Executive Director 5 Jun 2015
Mr Ian Smith Chief Financial Officer, Executive Director 11 Mar 2015
Mr James Pettigrew Non-Executive Chairman, Non-Executive Director 11 Nov 2015
Mr David Bennett Non-Executive Deputy Chairman, Non-Executive Director, Senior Independent Non-Executive Director 22 Oct 2015
Ms Teresa Robson-Capps Non-Executive Director 11 Nov 2015
Mr Adrian Grace Non-Executive Director 11 Nov 2015
Mr Paul Coby Non-Executive Director 1 Jun 2016
Mr Clive Adamson Non-Executive Director 1 Jul 2016
Mr Timothy Wade Non-Executive Director 8 Sep 2016
Ms Fiona MacLeod Non-Executive Director 12 Sep 2016
Ms Amy Stirling Non-Executive Director 15 Oct 2018
Ms Geeta Gopalan Non-Executive Director 15 Oct 2018
Mr Darren Pope Non-Executive Director 15 Oct 2018

CYB Management

Name Position
Lorna McMillan Company Secretary
Mark Thundercliffe Group Chief Risk Officer
Enda Johnson Group Corporate Development Director
Gavin Opperman Group Customer Banking Director
Fergus Murphy Group Customer Value Director
James Peirson Group General Counsel
Kate Guthrie Group Human Resources Director
Helen Page Group Innovation and Marketing Director
Peter Bole Integration Director
Hugh Chater Managing Director, Core Bank (Virgin Money)

CYB Substantial Shareholders

Holding Name
188,083,550 (13.18%) Virgin Group Holdings Limited

CYB Calendar of Events

Date Event
13 May 2020 Report (Interim)
27 November 2019 Report (Annual)
19 November 2019 Report (Prelim)

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