PWLBtoday
Counterparty/Virgin Money UK PLC
Built 2026-09-14 17:10 UTCBeta
VI

Virgin Money UK PLC

Bank · UKAA · LEI 213800ZK9VGCYYR6O495
Counterparty scoreBand B
66
33th percentile of 12 peers
coverage92% of the method
Rating69w 40
Capital82w 25
Liquidity83w 15
Stability0w 10
Assets—w 5
Profit39w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeA-Stable (bonds)
Fitch
A▶
ST F1
2025-11-13
S&P
BBB+▶
ST A-2
2025-10-29
Moody's
A3
2024-09-06
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
13.9%
−0.6 vs prior2025-09-30
Leverage ratio
6.1%
+0.4 vs prior2025-09-30
Total capital
18.7%
−2.8 vs prior2025-09-30
LCR
155%
+1.0 vs prior2025-09-30
NSFR
141%
0.0 vs prior2025-09-30
Risk-weighted assets
30.9bn
+10.1% vs prior2025-09-30
14 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
7upgrades
3.0notches stronger
2017201820192020202120222023202420252026A-BBB+BBBBBB-composite BBB- from 2016-02-08composite BBB from 2016-02-09composite BBB- from 2018-12-14composite BBB from 2021-07-13composite BBB+ from 2022-06-27composite A- from 2024-10-01A-COMPOSITEFitchFitch BBB+ from 2016-02-09 to 2024-10-01BBB+Fitch A- from 2024-10-01 to 2025-06-30A-Fitch A from 2025-06-30, stillAFitch: stable outlook from 2016-02-09Fitch: watch negative outlook from 2019-03-01Fitch: stable outlook from 2019-12-20Fitch: watch negative outlook from 2020-04-01Fitch: negative outlook from 2020-07-10Fitch: stable outlook from 2021-07-05Fitch: positive outlook from 2023-06-16Fitch: watch positive outlook from 2024-03-21Fitch: stable outlook from 2024-10-01Fitch: watch positive outlook from 2025-06-11Fitch: stable outlook from 2025-06-30AS&PS&P BBB- from 2016-02-08 to 2024-10-01BBB-S&P BBB from 2024-10-01 to 2025-10-29BBBS&P BBB+ from 2025-10-29, stillBBB+S&P: stable outlook from 2016-02-08S&P: negative outlook from 2017-02-27S&P: stable outlook from 2017-11-15S&P: negative outlook from 2020-04-23S&P: stable outlook from 2021-06-24S&P: watch positive outlook from 2024-03-22S&P: stable outlook from 2024-10-01BBB+Moody'sMoody's Baa3 from 2018-12-14 to 2021-07-13Baa3Moody's Baa2 from 2021-07-13 to 2022-06-27Baa2Moody's Baa1 from 2022-06-27 to 2024-09-06Baa1Moody's A3 from 2024-09-06, stillA3Moody's: positive outlook from 2018-12-14Moody's: stable outlook from 2019-11-12Moody's: positive outlook from 2024-03-08Moody's: watch positive outlook from 2024-03-22Moody's: stable outlook from 2025-08-12A3
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2025-10-29↑S&P upgrade BBB → BBB+ · 1 notch
  • 2025-06-30↑Fitch upgrade A- → A · 1 notch
  • 2024-10-01↑Fitch upgrade BBB+ → A- · 1 notch
  • 2024-10-01↑S&P upgrade BBB- → BBB · 1 notch
  • 2024-09-06↑Moody's upgrade Baa1 → A3 · 1 notch
  • 2022-06-27↑Moody's upgrade Baa2 → Baa1 · 1 notch
  • 2021-07-13↑Moody's upgrade Baa3 → Baa2 · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termAstable2025-11-13
Fitchissuer default · short-termF1—2025-11-13
Moody'sissuer credit · long-termA3—2024-09-06
S&Pissuer credit · long-termBBB+stable2025-10-29
S&Pissuer credit · short-termA-2—2025-10-29
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months
Not listed, or no price data collected.
30-day realised volatility—
Drawdown from 52-week high—
Market signal Stable (bonds)
Last price—
Bond yields vs peers, 31-day+12 bp (1 bond, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-04-03
Moody's removed under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2026-04-03
Moody's withdrawal: Issuer Rating
ESMA European Rating Platform
info
2026-03-02
Moody's affirmation: Issuer Rating A3
ESMA European Rating Platform
info
2026-03-02
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-11-17
Pillar 3 report for the period to 2025-09-30 published: vmukplc-sept25-pillar3-disclosure.pdf
firm website
info
2025-11-13
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Long Term Issuer Default Rating A
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2025-10-29
S&P upgrade: Issuer Credit Rating BBB+
ESMA European Rating Platform
good
2025-10-29
S&P affirmation: Issuer Credit Rating A-2
ESMA European Rating Platform
info
2025-10-29
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-08-21
Pillar 3 report for the period to 2025-06-30 published: vmukplc-june25-quarterly-pillar3-disclosure.pdf
firm website
info
2025-08-12
Moody's affirmation: Issuer Rating A3
ESMA European Rating Platform
info
2025-08-12
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-02-17
Pillar 3 report for the period to 2024-12-31 published: vmukplc-december24-quarterly-pillar3-disclosure.pdf
firm website
info
2024-11-25
Pillar 3 report for the period to 2024-09-30 published: q4-2024-pillar-3-disclosures.pdf
firm website
info
2024-08-01
Pillar 3 report for the period to 2024-06-30 published: q3-2024-pillar-3-disclosures.pdf
firm website
info
2024-06-12
Pillar 3 report for the period to 2024-03-31 published: q2-pillar-3-2024.pdf
firm website
info
2024-02-02
Pillar 3 report for the period to 2023-12-31 published: q1-2024-pillar-3-disclosures.pdf
firm website
info
2023-07-31
Pillar 3 report for the period to 2023-06-30 published: q3-2023-pillar-3-disclosures.pdf
firm website
info
2023-05-26
Pillar 3 report for the period to 2023-03-31 published: 2023-interim-pillar-3-report-FINAL.pdf
firm website
info
2022-12-31
Pillar 3 report for the period to 2022-12-31: q1-2023-pillar-3-disclosures.pdf
firm website
info
2022-06-30
Pillar 3 report for the period to 2022-06-30: q3-2022-pillar-3-disclosures.pdf
firm website
info
2022-03-31
Pillar 3 report for the period to 2022-03-31: 2022-interim-pillar-3-disclosures.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · read from the PDF
12 documents · 8 metrics · 2022-03-31 to 2025-09-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
1 document · 5 metrics · 2022-09-30 to 2023-09-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio13.902025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Total deposits (currency millions)66,827.002023-09-30ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Liquidity coverage ratio155.002025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Leverage ratio6.102025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Net interest margin1.842023-09-30ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Net stable funding ratio141.002025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Overall capital requirement16.102025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Return on assets0.272023-09-30ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity4.122023-09-30ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)30,867.002025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Tier 1 capital ratio16.102025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98
Total assets (currency millions)91,786.002023-09-30ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio18.702025-09-30Firm's Pillar 3 disclosures · read from the PDF0.98