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CYBG
-0.00 · -0.02%
£15.41 · LSE
VanEck Bionic Engineering UCITS ETF A Acc GBP | Sector Equity Healthcare
VanEck Asset Management B.V. · Ireland
AUM:£4.8M
#– of – in Sector Equity Healthcare ETFs
ℹ️
Reward Rating
43
Moderate
-1.27% 1Y return
ℹ️
Risk Rating
66
Elevated
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data, holdings and expense metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Market Performance

CYBG returned -1.3% over the past year, broadly in line with flat market conditions.

Cost Efficiency

Ongoing charge of 0.55% — moderate cost. Consider how fees compound over long holding periods.

What is CYBG?

CYBG PLC, through its subsidiaries, provides retail and business banking products and services to individuals and businesses under the Clydesdale Bank, Yorkshire Bank, B, and Virgin Money brands in the United Kingdom. It operates through SME Banking and Retail Banking segments.

Performance Highlights

Investment Breakdown

Negative 12-Month Return
CYBG returned -1.3% over the past year, reflecting recent market conditions.
Moderate Cost
Ongoing charge of 0.55%. Consider how fees compound over a long holding period.
Concentrated Holdings
Top 10 holdings account for 66.3% of the ETF — significant weight in a small number of names.

Openbook Analysis

Performance: Moderate (43)

The scoring profile reflects subdued historical performance over the measured period. The ongoing charge of 0.55% should be considered against long-term return expectations. Risk indicators are elevated — volatility warrants consideration (historical).

For informational and educational purposes only. Not financial advice. Past performance is not indicative of future results.

ETF Information
AUM£4.8M
Ongoing Charge0.55%
Dividend Yield0.00%
Holdings25
Inception DateDec 2022
DomicileIreland
Distribution–
IndexMorningstar Gbl Health NR USD
ProviderVanEck Asset Management B.V.
Beta–
CategorySector Equity Healthcare
CurrencyGBP
Portfolio Impact

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6168
+7 points · better diversified
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Uses ISF.L (iShares FTSE 100 ETF)
Indicators

Performance Metrics

Historical returns

6M
-20.2%
1Y
-13.8%
3Y
-21.2%
5Y
-19.1%
OpenBook InsightIf you had invested £10,000 in CYBG 5 years ago, it would have fallen to £8,093 — a loss of £1,907.

Annual Returns

Calendar year performance

CYBG delivered positive returns in 2 of the last 5 calendar years.
YearCYBG
2026 YTD-14.9%
2025-6.4%
2024+1.3%
2023-0.8%
2022+1.3%
CAGR 4yr-1.2%
2/5 positive yearsAvg return: -3.9%Worst year: -14.9% (2026)

Technical Analysis Summary

Automated insights from historical price action and indicators

Technical Regime: MIXED
Trend Strength
33%
Negative
Volatility
20.4%
Moderate
Momentum
-7.2%
30-day change
Support Level
12.40
Key floor
Key Insights
  • Monitor key support and resistance levels as part of broader risk assessment.

Reward Rating Breakdown

Our reward rating analyses CYBG's attractiveness using 4 weighted factors. Each factor is scored 0-100, then combined using the weights shown below. Past performance does not guarantee future results.

Overall Reward Rating
43
Moderate REWARD
Data Coverage: %
Factor Framework
Performance
Has the ETF delivered strong historical returns versus similar ETFs?
Cost Efficiency
Is the ETF cheap to own over long periods?
Income
Does it provide attractive and consistent distributions?
Diversification Quality
Does it spread exposure across holdings, sectors, and regions?

📈 Performance

Weight: 30%
30/100

Has the ETF delivered strong historical returns versus similar ETFs? Combines 1/3/5/10-year returns with the Sharpe ratio (risk-adjusted return).

1Y Return
-1.27%
Very Weak
3Y Return
0.13%
Weak
5Y Return
0.00%
Weak
10Y Return
0.00%
Weak
Sharpe Ratio
—
No Data

Weak historical performance: 1-year return of -1.27%, 3-year annualised 0.13%, 5-year annualised 0.00%. Past performance is not indicative of future results.

💰 Cost Efficiency

Weight: 30%
73/100

Is the ETF cheap to own over long periods? Low ongoing charges compound into meaningful additional returns over a 10-year horizon.

Ongoing Charge
0.55%
Weak
Net Expense Ratio
0.01%
Very Good
Annual Turnover
0.00%
Very Good
Tracking Difference
—
No Data

Low-cost and efficient structure: ongoing charge of 0.55%, net expense ratio of 0.01%, annual turnover of 0.0%.

💵 Income

Weight: 15%
Not applicable

This is an accumulating ETF. It reinvests distributions inside the fund rather than paying cash to unit-holders, so income metrics don't apply. Reward is scored on the other three factors with the 15% income weight redistributed proportionally.

🌐 Diversification Quality

Weight: 25%
24/100

Does the ETF spread exposure across many holdings, sectors, and regions? Concentrated funds can be doing exactly what they're meant to do — treat the score as context, not a verdict.

Holdings
25
Very Weak
Top 10 Concentration
66.34%
Very Weak
Top Sector
Healthcare100.0%
Very Weak
Top Region
North America78.3%
Weak

Heavily concentrated — returns will be driven by a narrow slice of the market: 25 holdings, top 10 at 66.3%, Healthcare sector at 100.0%, North America at 78.3%.

Scores are derived from fund-provider disclosures and historical data. For informational and educational purposes only — not investment advice. Past performance is not indicative of future results.

Risk Rating Breakdown

Our risk rating analyses CYBG using 4 weighted factors. A higher score indicates higher risk. This is a framework for understanding exposure — concentrated funds can still be doing exactly what they're meant to do.

Overall Risk Rating
66
Elevated RISK
Data Coverage: 67%
Factor Framework
Holdings Concentration
How much of the fund sits in its largest positions? Few dominant names mean returns ride on those companies.
Market Exposure
Geographic, sector and cyclical dependencies. High single-country or single-sector weight increases macro sensitivity.
Volatility
Historical price movement, beta and drawdowns — how sharply the fund moves relative to the market.
Income Reliability
How dependable the distribution yield is — cyclical-sector dependency and unusually high yields can flag payout risk.

🎯 Holdings Concentration

Weight: 25%
68/100

How much of the fund sits in a small number of positions? If the top holdings dominate, returns will be driven by those specific companies rather than the broader index.

Top 10 Weight
66.34%
Elevated
Largest Holding
11.00%
Elevated
Number of Holdings
25
Elevated
HHI (weight²)
517
Lower Risk

Moderate holdings concentration: top 10 holdings at 66.3%, largest single position at 11.00%, 25 total holdings.

🌍 Market Exposure

Weight: 25%
78/100

How dependent is the fund on a single country, sector or economic cycle? Heavy exposure to one market means a single macro event can drive most of the return.

Top Region
North America78.3%
Elevated
Top Sector
Healthcare100.0%
High Risk
Top 2 Sectors
100.00%
High Risk
Cyclical Sectors
0.00%
Low Risk

High market-exposure risk — returns closely track a narrow slice of the market: North America at 78.3%, Healthcare sector at 100.0%.

📊 Volatility

Weight: 35%
55/100

How sharply does the fund move day-to-day and how deep have its drawdowns been? High volatility means wider return outcomes over short horizons.

1Y Volatility
14.14%
Lower Risk
Beta
—
No Data
Max Drawdown
—
No Data

Elevated volatility profile: 1Y volatility of 14.14% (historical).

💵 Income Reliability

Weight: 15%
Not applicable

This is an accumulating ETF. Distributions are reinvested inside the fund, so there's no dividend-reliability risk to assess. The 15% income weight is redistributed to the other three factors.

Scores are derived from fund-provider disclosures and historical data. For informational and educational purposes only — not investment advice. Risk scoring is model-based and past data does not guarantee future results.
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