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Market Price

2.63 

0.00 0.0%

as of Nov 12 '18

52 Week Range:

2.51 3.67


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

CYBG PLC, through its subsidiaries, provides retail and business banking products and services to individuals and businesses under the Clydesdale Bank, Yorkshire Bank, and B brands in the United Kingdom. The company operates through SME Banking and Retail Banking segments. The SME Banking segment offers a range of banking products and services, including business current accounts; and secured and unsecured term loans, business overdrafts, invoice finance, and financing capital equipment purchases. This segment also provides international trade services, such as import loans, export loans, documentary collections and currency guarantees, and letters of credit for securing trade; current account facilities, including debit cards, cheque books, regular statements, direct debits, and standing orders; and day to day banking services. The Retail Banking segment provides personal current accounts, savings accounts, and term deposits; occupied mortgage loans and BTL loans, unsecured personal loans, and overdrafts, as well as credit card products; and insurance and investment products. The company offers its services through a network of retail branches, business banking centers, direct and online banking, and broker channels. CYBG PLC was founded in 1838 and is based in Leeds, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17
Equity (BVPS) 4.01
3.68
growth rate -8.2%
Avg.PE -11.29
19.27
growth rate 100.0%
ROA -1.48
-0.12
-0.53
-0.59
-0.50
0.37
growth rate 0.0% 0.0% 0.0% 0.0% 100.0%
ROE -27.12
-1.96
-8.27
-7.52
-5.95
4.63
growth rate 0.0% 0.0% 0.0% 0.0% 100.0%
Leverage 18.35
16.34
14.73
11.24
12.44
12.71
growth rate -11.0% -9.9% -23.7% 10.7% 2.2%
Balance Sheet Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17
Acct.Receivable 42.00
85.00
299.00
396.00
245.00
617.00
836.00
growth rate 102.4% 251.8% 32.4% -38.1% 151.8% 35.5%
Acct.Payable 36,101.00
33,075.00
26,215.00
25,352.00
26,867.00
27,062.00
27,710.00
growth rate -8.4% -20.7% -3.3% 6.0% 0.7% 2.4%
Cur.Assets 12,144.00
16,935.00
9,687.00
8,414.00
8,223.00
8,435.00
9,048.00
growth rate 39.5% -42.8% -13.1% -2.3% 2.6% 7.3%
Total Assets 47,685.00
44,382.00
36,748.00
37,392.00
38,705.00
39,929.00
43,231.00
growth rate -6.9% -17.2% 1.8% 3.5% 3.2% 8.3%
Cash 6,175.00
8,049.00
6,855.00
6,087.00
6,473.00
6,023.00
6,992.00
growth rate 30.4% -14.8% -11.2% 6.3% -7.0% 16.1%
Inventory 27.00
9.00
6.00
2.00
growth rate -66.7% -33.3% -66.7%
Cur.Liabilities 40,884.00
35,197.00
27,182.00
27,588.00
28,532.00
28,184.00
29,441.00
growth rate -13.9% -22.8% 1.5% 3.4% -1.2% 4.5%
Liabilities 44,628.00
41,763.00
34,299.00
34,854.00
35,262.00
36,718.00
39,829.00
growth rate -6.4% -17.9% 1.6% 1.2% 4.1% 8.5%
LT Debt 1,919.00
4,173.00
4,638.00
4,244.00
3,760.00
5,518.00
7,448.00
growth rate 117.5% 11.1% -8.5% -11.4% 46.8% 35.0%
Equity 2,538.00
3,443.00
3,211.00
3,402.00
growth rate 35.7% -6.7% 6.0%
Common Shares 879.00
879.00
879.00
846.00
880.00
884.00
growth rate 0.0% 0.0% -3.8% 4.0% 0.5%
Cash Flow Statement Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17
Capital Expenditures 48.00
16.00
37.00
23.00
19.00
22.00
21.00
growth rate -66.7% 131.3% -37.8% -17.4% 15.8% -4.6%
Cash Dividends 18.00
18.00
35.00
36.00
growth rate 0.0% 94.4% 2.9%
Cash From OA 489.00
6,073.00
-324.00
-2,031.00
-1,031.00
-1,231.00
growth rate 1,141.9% -100.0% 0.0% 0.0% 0.0%
FCF per Share -1.76
1.35
growth rate 100.0%
Sale Purchase of Stock 600.00
1,170.00
452.00
growth rate 95.0% -61.4%
FCF -1,378.00
3,732.00
-667.00
211.00
-480.00
-701.00
growth rate 100.0% -100.0% 100.0% -100.0% 0.0%
Income Statement Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17
Sales 784.00
272.00
814.00
908.00
887.00
959.00
989.00
growth rate -65.3% 199.3% 11.6% -2.3% 8.1% 3.1%
Op.Income 47.00
-647.00
-49.00
-211.00
176.00
230.00
389.00
growth rate -100.0% 0.0% 0.0% 100.0% 30.7% 69.1%
IBT -234.00
-285.00
77.00
268.00
growth rate 0.0% 100.0% 248.1%
Net Income 47.00
-647.00
-44.00
-198.00
-247.00
-206.00
146.00
growth rate -100.0% 0.0% 0.0% 0.0% 0.0% 100.0%
EPS -0.75
-0.05
-0.23
-0.28
-0.23
0.17
growth rate 0.0% 0.0% 0.0% 0.0% 100.0%
Gross Profit 784.00
272.00
814.00
908.00
887.00
959.00
989.00
growth rate -65.3% 199.3% 11.6% -2.3% 8.1% 3.1%

Quarterly Statements

Item Name Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Balance Sheet
Acct.Receivable 1,174.00
836.00
836.00
830.00
830.00
growth rate -28.8% 0.0% -0.7% 0.0%
Acct.Payable 26,449.00
27,710.00
27,710.00
28,529.00
28,529.00
growth rate 4.8% 0.0% 3.0% 0.0%
Cur.Assets 7,601.00
9,048.00
9,048.00
7,818.00
7,818.00
growth rate 19.0% 0.0% -13.6% 0.0%
Total Assets 40,228.00
43,231.00
43,231.00
42,353.00
42,353.00
growth rate 7.5% 0.0% -2.0% 0.0%
Cash 5,414.00
6,992.00
6,992.00
6,150.00
6,150.00
growth rate 29.2% 0.0% -12.0% 0.0%
Cur.Liabilities 26,864.00
29,441.00
29,441.00
28,921.00
28,921.00
growth rate 9.6% 0.0% -1.8% 0.0%
Liabilities 36,979.00
39,829.00
39,829.00
39,083.00
39,083.00
growth rate 7.7% 0.0% -1.9% 0.0%
LT Debt 7,126.00
7,448.00
7,448.00
7,084.00
7,084.00
growth rate 4.5% 0.0% -4.9% 0.0%
Equity 3,249.00
3,402.00
3,402.00
3,270.00
3,270.00
growth rate 4.7% 0.0% -3.9% 0.0%
Common Shares 88.00
88.00
88.00
89.00
89.00
growth rate 0.0% 0.0% 1.1% 0.0%
Cash Flow Statement Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Capital Expenditures 4.00
6.50
6.50
5.00
5.00
growth rate 62.5% 0.0% -23.1% 0.0%
Cash Dividends 9.00
9.00
9.00
12.00
12.00
growth rate 0.0% 0.0% 33.3% 0.0%
Cash From OA 111.00
-726.50
-726.50
-682.50
-682.50
growth rate -100.0% 0.0% 0.0% 0.0%
FCF 107.00
-733.00
-733.00
-687.50
-687.50
growth rate -100.0% 0.0% 0.0% 0.0%
Income Statement Mar '17 Jun '17 Sep '17 Dec '17 Mar '18
Sales 235.50
259.00
259.00
240.50
240.50
growth rate 10.0% 0.0% -7.1% 0.0%
Op.Income 52.00
142.50
142.50
-33.50
-33.50
growth rate 174.0% 0.0% -100.0% 0.0%
IBT 23.00
111.00
111.00
-47.50
-47.50
growth rate 382.6% 0.0% -100.0% 0.0%
Net Income 15.00
67.00
67.00
-47.00
-47.00
growth rate 346.7% 0.0% -100.0% 0.0%
Gross Profit 235.50
259.00
259.00
240.50
240.50
growth rate 10.0% 0.0% -7.1% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (25.44)

YOY Growth Grade:

F (16.24)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 49.70 49.62 0.09
EPS / Growth 0.0% 0.05 4.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 3.3% 3.3%
Future PE 0.00 3.37 3.37
Future EPS 0.05 0.07 0.07
Value Price
MOS %
0.00
-100.0%
0.06
-97.7%
0.06
-97.7%
MOS Price 0.00 0.03 0.03
IRT 49.62 29.19 29.19

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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