YOLFTbeta
Metro Bank PLC

Metro Bank PLC

MTRO · LSE · Financial Services / Banks - Regional

189.80GBX-6.20 (-3.16%)

Price History

Full chart

Market Stats

Previous Close196.00
Open198.60
Day Range189.36 – 198.60
52-Week Range98.30 – 196.80
Volume762.24K
Market Cap1.28B
P/E (TTM)23.80
Forward P/E8.05
EPS0.08
Dividend Yield0.00%
Beta1.10
50-Day Avg169.86
200-Day Avg155.19

About

Metro Bank Holdings PLC operates as the bank holding company for Metro Bank PLC that provides business, commercial, retail and private banking products and services in the United Kingdom. It offers personal banking products and services, including current, cash, and foreign currency accounts; savings; residential and buy-to-let mortgages; overdrafts; credit cards; and safe deposit box services. The company also provides business banking products and services comprising business bank, commercial and community current, foreign currency, and insolvency practitioner accounts; deposit accounts, such as business and community instant access deposit, business notice, client premium and flexible client term deposit, and business and community fixed term deposit accounts; and business and commercial loans and overdrafts, business loan calculators, asset based lending, asset and invoice financing, bounce back loans, business credit cards, and recovery loan schemes services. In addition, it offers private banking products and services, such as private bank, savings, foreign currency, and money management accounts; mortgages and buy-to-let; cards; and partnership loans. Further, the company provides business mobile and commercial online banking, apple pay, google pay, post office business banking, personal online banking, mobile app, Apple Pay, Google Pay, and internet banking registration services. The company was founded in 2010 and is headquartered in London, the United Kingdom. Metro Bank Holdings PLC is a subsidiary of Spaldy Investments Limited.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Daniel Sweeney Frumkin
  • Employees2.89K
  • HeadquartersOne Southampton Row, London, United Kingdom, WC1B 5HA, UK
  • Websitehttps://www.metrobankonline.co.uk

Leadership

  • Mr. Daniel Sweeney FrumkinCEO & Director · b. 1964
  • Mr. Marc Stephen PageCFO & Director · b. 1973
  • Ms. Cristina Alba OchoaExecutive Director · b. 1973
  • Mr. Faisal HussainChief Operating Officer
  • Ms. Danielle LeeDirector of Brand & Marketing
  • Ms. Rachel DuncanChief People Officer
  • Ms. Aisling KaneManaging Director of Retail & Business Banking · b. 1969
  • Mr. Andy VearesManaging Director of Corporate & Commercial
  • Ms. Kirsten McLeodChief Risk Officer
  • Ms. Kathy NewmanChief Internal Auditor

Financials

Income Statement

Currency: GBP2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue10.83M30.51M73.29M113.17M190.40M285.60M396.10M403.90M300.60M392.80M483.60M615.70M962.80M862.60M
Growth (%)-+181.65%+140.23%+54.41%+68.24%+50.00%+38.69%+1.97%-25.58%+30.67%+23.12%+27.32%+56.37%-10.41%
Cost of Revenue-000000--110.40M159.60M443.80M557.50M279.40M
Gross Profit10.83M30.51M73.29M113.17M190.40M285.60M396.10M403.90M300.60M392.80M483.60M615.70M405.30M583.20M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%42.10%67.61%
Operating Expense56.56M24.96M34.85M45.91M55.60M72.60M56.00M112.70M589.90M120.20M115.20M120.30M126.70M496.00M
Operating Income-45.73M5.54M38.44M67.26M134.80M213.00M340.10M291.20M-289.30M272.60M368.40M495.40M278.60M87.20M
Operating Margin-422.16%18.17%52.45%59.43%70.80%74.58%85.86%72.10%-96.24%69.40%76.18%80.46%28.94%10.11%
EBITDA22.35M15.84M52.66M85.45M157.18M246.00M385.10M367.20M257.40M352.60M445.40M573.10M-135.10M149.20M
EBITDA Margin206.37%51.90%71.86%75.51%82.55%86.13%97.22%90.91%85.63%89.77%92.10%93.08%-14.03%17.30%
Net Income-34.55M-46.44M-41.11M-49.20M-16.75M10.79M27.10M-182.60M-301.70M-248.20M-72.70M29.50M42.50M69.70M
Net Income Margin-318.97%-152.21%-56.09%-43.47%-8.80%3.78%6.84%-45.21%-100.37%-63.19%-15.03%4.79%4.41%8.08%
Interest Expense-11.52M20.62M36.33M59.25M60.96M114.30M188.10M176.60M110.40M159.60M443.80M557.50M265.10M
Interest Expense % of Total Revenue-37.74%28.14%32.10%31.12%21.35%28.86%46.57%58.75%28.11%33.00%72.08%57.90%30.73%

Balance Sheet

Currency: GBP2008-11-302009-09-302010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-06-302023-12-312024-12-312025-12-31
Total Assets439.00K5.47M119.12M240.25M771.15M1.89B3.66B6.15B10.06B16.36B21.65B21.40B22.58B22.59B22.12B-22.25B17.58B16.48B
Total Liabilities1.44M5.38M22.33M162.30M592.95M1.49B3.20B5.74B9.25B15.26B20.24B19.82B21.29B21.55B21.16B-21.11B16.40B15.22B
Total Equity-95.00K96.79M77.95M178.20M400.57M462.40M407.18M804.53M1.10B1.40B1.58B1.29B1.03B956.00M-1.13B1.18B1.24B
Cash131.00K1.30M52.94M57.59M74.11M263.18M215.67M282.15M500.43M2.21B2.47B2.99B2.99B3.57B1.96B-3.89B2.81B2.19B
Total Debt-------561.78M1.20B3.44B249.00M591.00M600.00M588.00M571.00M-694.00M675.00M1.58B
Net Debt-----74.11M-263.18M-215.67M-282.15M-500.43M-2.21B-2.22B-2.40B-2.39B-2.98B-1.39B--3.20B-2.14B-601.00M

Cash Flow

Currency: GBP2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow255.81M248.50M810.21M546.04M1.17B2.29B-3.84B-471.00M-554.00M2.85B-1.19B628.00M-1.39B-1.09B
Investing Cash Flow-365.31M-343.73M-956.57M-479.56M-1.35B-857.00M-443.00M1.38B-956.00M-2.25B-402.00M1.02B327.00M260.00M
Financing Cash Flow126.02M284.31M98.84M398.34M398.34M276.00M4.54B-388.00M1.51B-29.00M-25.00M291.00M-22.00M206.00M
Capital Expenditure26.80M50.82M41.03M49.67M97.83M96.00M150.00M120.00M29.00M42.00M29.00M12.00M41.00M34.00M
Free Cash Flow229.01M197.68M769.18M496.37M1.07B2.20B-3.99B-591.00M-583.00M2.81B-1.21B616.00M-1.43B-1.12B
Dividends Paid-------------17.00M
FCF to OCF89.52%79.55%94.94%90.90%91.63%95.81%103.91%125.48%105.23%98.53%102.45%98.09%102.96%103.13%
Dividend Paid to FCF--------------1.52%

Earnings

Report DateJul 27, 2016Oct 26, 2016Feb 22, 2017Apr 26, 2017Jul 25, 2017Oct 25, 2017Feb 21, 2018Apr 25, 2018Jul 24, 2018Oct 24, 2018Feb 26, 2019May 1, 2019Jul 24, 2019Oct 23, 2019Feb 26, 2020May 6, 2020Aug 5, 2020Oct 21, 2020Feb 24, 2021Apr 28, 2021Jul 28, 2021Oct 20, 2021Feb 23, 2022Apr 27, 2022Jul 28, 2022Nov 2, 2022Mar 2, 2023May 3, 2023Aug 1, 2023Nov 7, 2023Apr 30, 2024Apr 23, 2025Aug 6, 2025Mar 3, 2027
EPS Estimate-6.00-3.00-6.006.002.007.356.508.0012.0011.009.000.070.07-0.02-0.03-0.09-4.62-0.27-0.27-0.25-0.23-0.20-0.17-0.000.00-0.000.000.000.00---
EPS Actual-5.000.000.021.803.616.206.898.6011.5011.607.100.050.04-0.01-0.14-0.09-0.140.00-0.360.00-0.820.00-0.620.00-0.360.00-0.300.000.000.000.000.110.04-
Surprise16.67%100.00%100.33%-70.00%80.50%-15.65%6.00%7.50%-4.17%5.45%-21.11%-28.57%-42.86%50.00%-366.67%0.00%96.97%100.00%-33.33%100.00%-256.52%100.00%-264.71%-----------
TimingPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-market-Pre-market-Pre-market-Pre-market-Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hours-After-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.28B
Enterprise Value308.98M
Trailing P/E23.80
Forward P/E8.05
PEG Ratio161.29
Price / Sales2.21
Price / Book0.79
EPS0.08
Book Value1.91
Revenue (TTM)580.10M
Gross Profit (TTM)580.10M
Profit Margin9.26%
Operating Margin12.52%
Return on Equity3.60%
Return on Assets0.32%
Shares Outstanding673.64M
Shares Float233.67M
Beta1.10
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%