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Paragon Banking Group PLC

Financial Services GB PAG

756.5GBX
14.50(1.95%)

Last update at 2026-06-12T07:26:00Z

Day Range

751.26757.00
LowHigh

52 Week Range

691.63948.59
LowHigh

Fundamentals

  • Previous Close 742.00
  • Market Cap1437.71M
  • Volume2849
  • P/E Ratio8.84
  • Dividend Yield5.88%
  • Revenue TTM505.70M
  • Revenue Per Share TTM2.56
  • Gross Profit TTM 300.80M
  • Diluted EPS TTM0.88

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 256.50M 253.80M 199.90M 417.90M 213.70M
Minority interest - - - - -
Net income 180.30M 186.00M 153.90M 313.60M 164.50M
Selling general administrative 114.50M 59.40M - 43.90M 41.20M
Selling and marketing expenses - - - - -
Gross profit 452.40M 501.20M 409.50M 20.00M 361.30M
Reconciled depreciation 5.50M 6.60M 7.60M 5.50M 6.30M
Ebit 256.50M 253.80M 199.90M 592.40M 213.70M
Ebitda 272.30M 260.40M 207.50M 597.90M 220.00M
Depreciation and amortization 15.80M 6.60M 7.60M 5.50M 6.30M
Non operating income net other - - - - -
Operating income 256.50M 253.80M 199.90M 592.40M 213.70M
Other operating expenses 984.50M 208.50M 21.80M 20.00M 16.90M
Interest expense 746.70M 831.50M 561.10M 174.50M 173.70M
Tax provision 76.20M 67.80M 46.00M 104.30M 49.20M
Interest income 1249.00M 1314.70M 1010.60M 545.70M 484.20M
Net interest income 502.30M 483.20M 448.90M 371.20M 310.50M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 76.20M 67.80M 46.00M 104.30M 49.20M
Total revenue 1241.00M 501.20M 409.50M 20.00M 361.30M
Total operating expenses 195.90M 208.50M 21.80M 20.00M 16.90M
Cost of revenue 788.60M 831.50M - - -
Total other income expense net - -38.90000M - -174.50000M -173.70000M
Discontinued operations - - - - -
Net income from continuing ops 180.30M 186.00M 153.90M 313.60M 164.50M
Net income applicable to common shares - - - 313.60M 164.50M
Preferred stock and other adjustments - - - - -
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 19930.00M 19270.00M 18420.20M 16653.60M 15137.00M
Intangible assets 9.30M 8.70M 5.40M 5.80M 6.10M
Earning assets - - - - -
Other current assets 2407.50M 9.60M - 34.00M 13486.30M
Total liab 18509.80M 17850.50M 17009.60M 15236.30M 13895.10M
Total stockholder equity 1420.20M 1419.50M 1410.60M 1417.30M 1241.90M
Deferred long term liab - - - - -
Other current liab 8407.90M 16190.70M -188.20000M -55.90000M -33.10000M
Common stock 197.40M 210.60M 228.70M 241.40M 262.50M
Capital stock 197.40M 210.60M 228.70M 241.40M 262.50M
Retained earnings 1161.00M 1242.10M 1243.40M 1151.20M 1005.90M
Other liab - - - 60.70M 32.40M
Good will 162.80M 162.80M 162.80M 164.40M 164.40M
Other assets 17522.50M 16714.20M 14946.90M 14256.80M 13480.90M
Cash 2389.50M 2525.40M 2994.30M 1930.90M 1360.10M
Cash and equivalents - - - - -
Total current liabilities 8510.90M 16525.70M 188.20M 55.90M 33.10M
Current deferred revenue - - - - -
Net debt 1706.60M -1520.80000M -2699.00000M -664.70000M 272.30M
Short term debt 103.00M 108.30M - - -
Short long term debt - - - - -
Short long term debt total 1706.60M 1013.20M 295.30M 1266.20M 1632.40M
Other stockholder equity 17.60M -64.20000M -61.50000M 24.70M -26.50000M
Property plant equipment - - - 71.40M 70.40M
Total current assets 2407.50M 2546.10M 2994.30M 1936.10M 1365.50M
Long term investments 896.20M 744.00M 236.10M 219.10M 49.70M
Net tangible assets - - - 1247.10M 1071.40M
Short term investments - - - - -
Net receivables - 11.10M - 5.20M 5.40M
Long term debt - - - - -
Inventory - - - - -
Accounts payable 183.70M 226.70M 188.20M 55.90M 33.10M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 44.20M 31.00M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -249.10000M 15737.40M -479.00000M -460.70000M -290.60000M
Deferred long term asset charges - - - - -
Non current assets total - 16723.90M 479.00M 460.70M 290.60M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments -233.20000M -424.70000M -3.10000M -2.40000M -4.30000M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -911.10000M -424.70000M - -2.40000M -4.30000M
Net borrowings 693.80M -2135.80000M - -447.90000M -1343.90000M
Total cash from financing activities 446.00M -2260.80000M -1105.00000M -595.60000M -1438.60000M
Change to operating activities - - - 946.20M 618.60M
Net income 180.30M 253.80M 199.90M 417.90M 213.70M
Change in cash -136.00000M -469.10000M 1063.60M 570.70M -564.80000M
Begin period cash flow 2525.00M 2994.10M 1930.50M 1359.80M 1924.60M
End period cash flow 2389.00M 2525.00M 2994.10M 1930.50M 1359.80M
Total cash from operating activities 329.10M 2216.40M 2171.70M 1168.70M 878.10M
Issuance of capital stock 0.80M 0.70M 3.90M 0.70M 2.10M
Depreciation 5.50M 6.60M 7.60M 5.50M 6.30M
Other cashflows from investing activities -677.70000M -4.50000M - - -
Dividends paid 81.00M 83.50M 67.90M 68.90M 54.60M
Change to inventory - - - - -
Change to account receivables - 28.00M - - -
Sale purchase of stock -132.40000M -89.50000M -120.50000M -79.50000M -42.20000M
Other cashflows from financing activities -35.20000M 47.30M 47.60M -1.70000M 1182.90M
Change to netincome - - - 72.80M -434.60000M
Capital expenditures 1.30M 0.90M 3.20M 3.00M 4.30M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 52.10M 1996.00M 2014.30M 776.80M 1141.90M
Stock based compensation 8.10M 9.20M 9.60M 9.20M 8.90M
Other non cash items 96.70M -49.20000M -2.50000M -40.70000M 2.50M
Free cash flow 327.80M 2211.00M 2168.50M 1165.70M 873.80M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
PAG
Paragon Banking Group PLC		 14.50 1.95% 756.50 8.84 6.69 2.84 0.96 3.81
OSB
OneSavings Bank PLC		 11.50 2.29% 513.00 7.30 6.60 2.90 0.79 5.69
MAB1
Mortgage Advice		 17.00 3.22% 545.00 22.31 10.87 1.06 4.45 1.07 9.69
LINV
Lendinvest PLC		 0.15 0.61% 24.65 27.00 9.68 0.79 0.52 8.46 26.75

Reports Covered

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Profile

Paragon Banking Group PLC provides financial products and services in the United Kingdom. It operates in two segments, Mortgage Lending and Commercial Lending. The Mortgage Lending segment offers buy-to-let mortgages, and owner-occupied first and second charge lending. The Commercial Lending segment comprises equipment leasing, development finance, structured lending, and other offerings for SME customers, as well as motor finance business. This segment also provides hire purchase, business loans, and operating and finance leasing. In addition, it offers a range of savings products; and deposits taking, residential mortgages, loan and vehicle finance, surveyors and property consulting, contract hire, asset administration, asset and development finance, consumer loan finance, and asset investment services, as well as acts as an asset finance broker. The company was formerly known as The Paragon Group of Companies PLC and changed its name to Paragon Banking Group PLC in September 2017. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.

Paragon Banking Group PLC

51 Homer Road, Solihull, United Kingdom, B91 3QJ

Key Executives

Name Title Year Born
Mr. Nigel S. Terrington Chief Exec. & Director 1960
Mr. Richard J. Woodman CFO & Director 1966
Ms. Pamela Elizabeth Rowland Chief Operating Officer 1961
Mr. Marius Van Niekerk Gen. Counsel NA
Ms. Anne Barnett Chief People Officer NA
Mr. Tony Armitage Head of Redbrick Landlords Insurance NA
Mr. Dave Newcombe Managing Director of Commercial Lending NA
Ms. Jan Greenhalgh Head of New Bus.-Asset Fin. NA
Anup Sangha Head of Credit- Asset Fin. NA
Mr. Richard C. Rowntree Managing Director of Mortgages NA

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