Paragon Banking Group PLC

PAG · LSE · Financial Services / Mortgage Finance

753.50GBX-4.00 (-0.53%)

Price History

Full chart

Market Stats

Previous Close757.50

Open759.00

Day Range750.50 – 759.50

52-Week Range668.44 – 878.25

Volume140.67K

Market Cap1.29B

P/E (TTM)7.98

Forward P/E6.27

EPS0.90

Dividend Yield6.32%

Beta1.19

50-Day Avg799.28

200-Day Avg797.45

About

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.

Company Details

SectorFinancial Services
IndustryMortgage Finance
CEOMr. Nigel Stewart Terrington
Employees1.41K
Headquarters51 Homer Road, Solihull, United Kingdom, B91 3QJ, UK
Websitehttps://www.paragonbankinggroup.co.uk

Leadership

Mr. Nigel Stewart TerringtonChief Executive & Director · b. 1959
Mr. Richard James WoodmanCFO & Director · b. 1965
Mr. Marius Van NiekerkGeneral Counsel & Secretary
Nicola FosterHead of Corporate Communications
Ms. Andrea KnottChief People Officer
Mr. Dave NewcombeManaging Director of Commercial Lending
Mr. Michael Francis HelsbyManaging Director of Strategic Development · b. 1972
Ms. Jan GreenhalghHead of New Business-Asset Finance
Anup SanghaHead of Credit- Asset Finance
Mr. John PhillipouManaging Director of Small & Medium-sized Enterprise Lending

Financials

Income Statement

Currency: GBP	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: GBP	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Revenue	4.82M	14.95M	29.45M	40.34M	39.20M	47.30M	41.00M	71.60M	63.00M	39.00M	38.40M	37.70M	49.50M	55.40M	62.30M	73.40M	72.90M	76.50M	80.60M	520.00M	142.90M	155.80M	140.40M	134.80M	133.40M	135.80M	170.20M	179.20M	198.50M	211.00M	253.40M	263.80M	315.60M	306.70M	309.70M	354.50M	779.40M	455.10M	501.20M	1.24B
Growth (%)	-	+210.34%	+97.04%	+36.99%	-2.83%	+20.66%	-13.32%	+74.63%	-12.01%	-38.10%	-1.54%	-1.82%	+31.30%	+11.92%	+12.45%	+17.82%	-0.68%	+4.94%	+5.36%	+545.16%	-72.52%	+9.03%	-9.88%	-3.99%	-1.04%	+1.80%	+25.33%	+5.29%	+10.77%	+6.30%	+20.09%	+4.10%	+19.64%	-2.82%	+0.98%	+14.47%	+119.86%	-41.61%	+10.13%	+147.61%
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61.50M	69.00M	99.90M	111.10M	1.20M	136.80M	-	133.00M	174.50M	561.10M	831.50M	788.60M
Gross Profit	4.82M	14.95M	29.45M	40.34M	39.20M	47.30M	41.00M	71.60M	63.00M	39.00M	38.40M	37.70M	49.50M	55.40M	62.30M	73.40M	72.90M	76.50M	80.60M	-	142.90M	155.80M	140.40M	134.80M	133.40M	135.80M	170.20M	179.20M	198.50M	211.00M	253.40M	263.80M	314.40M	306.70M	309.70M	361.30M	604.90M	455.10M	501.20M	452.40M
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	99.62%	100.00%	100.00%	101.92%	77.61%	100.00%	100.00%	36.45%
Operating Expense	5.01M	15.42M	30.56M	41.95M	42.00M	51.30M	198.70M	99.30M	51.50M	22.95M	20.30M	16.30M	24.40M	26.60M	26.80M	32.30M	26.90M	22.80M	14.80M	-	12.30M	-526.20M	16.60M	-277.00M	27.90M	50.60M	233.80M	75.70M	76.30M	76.30M	109.60M	118.60M	134.10M	147.70M	189.70M	147.60M	187.00M	255.20M	247.40M	195.90M
Operating Income	-192.00K	-477.00K	-1.11M	-1.61M	-2.80M	-4.00M	-157.70M	-27.70M	11.50M	16.05M	18.10M	21.40M	25.10M	28.80M	35.50M	41.10M	46.00M	53.70M	65.80M	-20.10M	130.60M	682.00M	123.80M	411.80M	105.50M	85.20M	-63.60M	103.50M	122.20M	134.70M	143.80M	145.20M	180.30M	159.00M	120.00M	213.70M	417.90M	199.90M	253.80M	256.50M
Operating Margin	-3.99%	-3.19%	-3.77%	-3.98%	-7.14%	-8.46%	-384.63%	-38.69%	18.25%	41.15%	47.14%	56.76%	50.71%	51.99%	56.98%	55.99%	63.10%	70.20%	81.64%	-3.87%	91.39%	437.74%	88.18%	305.49%	79.09%	62.74%	-37.37%	57.76%	61.56%	63.84%	56.75%	55.04%	57.13%	51.84%	38.75%	60.28%	53.62%	43.92%	50.64%	20.67%
EBITDA	9.49M	62.55M	127.78M	244.31M	356.90M	240.30M	293.70M	234.10M	172.90M	141.70M	122.10M	22.70M	136.80M	147.60M	173.60M	218.10M	232.50M	283.10M	361.60M	496.40M	444.60M	686.80M	673.50M	416.00M	212.40M	83.70M	-60.50M	214.30M	125.70M	137.10M	146.70M	152.70M	191.40M	170.50M	132.20M	220.00M	423.40M	207.50M	260.40M	272.30M
EBITDA Margin	196.97%	418.53%	433.90%	605.61%	910.46%	508.03%	716.34%	326.96%	274.44%	363.33%	317.97%	60.21%	276.36%	266.43%	278.65%	297.14%	318.93%	370.07%	448.64%	95.46%	311.13%	440.82%	479.70%	308.61%	159.22%	61.63%	-35.55%	119.59%	63.32%	64.98%	57.89%	57.88%	60.65%	55.59%	42.69%	62.06%	54.32%	45.59%	51.96%	21.94%
Net Income	1.40M	7.13M	14.85M	21.19M	23.20M	-48.70M	-154.30M	-37.20M	11.30M	15.10M	18.10M	21.60M	23.90M	30.30M	28.50M	32.90M	36.60M	40.30M	54.70M	60.70M	68.80M	62.80M	37.10M	41.10M	53.90M	59.60M	72.20M	85.20M	97.20M	107.10M	116.00M	117.20M	145.80M	127.40M	91.30M	164.50M	313.60M	153.90M	186.00M	180.30M
Net Income Margin	29.03%	47.67%	50.42%	52.54%	59.18%	-102.96%	-376.34%	-51.96%	17.94%	38.72%	47.14%	57.29%	48.28%	54.69%	45.75%	44.82%	50.21%	52.68%	67.87%	11.67%	48.15%	40.31%	26.42%	30.49%	40.40%	43.89%	42.42%	47.54%	48.97%	50.76%	45.78%	44.43%	46.20%	41.54%	29.48%	46.40%	40.24%	33.82%	37.11%	14.53%
Interest Expense	6.84M	51.17M	104.20M	211.72M	325.80M	288.50M	450.40M	268.80M	160.10M	125.00M	102.60M	85.10M	110.00M	112.20M	124.10M	156.30M	157.10M	195.50M	294.20M	387.50M	402.80M	586.00M	675.70M	368.70M	137.40M	118.30M	136.00M	107.40M	123.00M	143.60M	188.20M	176.60M	197.30M	227.30M	213.60M	133.00M	174.50M	561.10M	831.50M	746.70M
Interest Expense % of Total Revenue	142.09%	342.37%	353.82%	524.82%	831.12%	609.94%	1098.54%	375.42%	254.13%	320.51%	267.19%	225.73%	222.22%	202.53%	199.20%	212.94%	215.50%	255.56%	365.01%	74.52%	281.88%	376.12%	481.27%	273.52%	103.00%	87.11%	79.91%	59.93%	61.96%	68.06%	74.27%	66.94%	62.52%	74.11%	68.97%	37.52%	22.39%	123.29%	165.90%	60.17%

Balance Sheet

Currency: GBP	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: GBP	1986-09-30	1987-09-30	1988-09-30	1989-09-30	1990-09-30	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Assets	349.59M	1.00B	1.52B	2.02B	2.47B	2.07B	3.34B	2.69B	1.83B	1.56B	1.30B	1.23B	1.61B	1.67B	1.87B	2.41B	2.79B	3.42B	4.93B	5.99B	9.12B	12.10B	11.51B	11.15B	10.65B	10.49B	10.04B	10.33B	10.90B	11.88B	13.52B	13.68B	14.52B	14.40B	15.51B	15.14B	16.65B	18.42B	19.27B	19.93B
Total Liabilities	303.57M	937.99M	1.33B	1.81B	2.25B	1.91B	3.35B	2.73B	1.86B	1.52B	1.25B	1.17B	1.52B	1.56B	1.73B	2.24B	2.59B	3.20B	4.67B	5.68B	8.84B	11.78B	10.89B	10.50B	9.95B	9.75B	9.23B	9.46B	9.95B	10.91B	12.55B	12.67B	13.42B	13.29B	14.35B	13.90B	15.24B	17.01B	17.85B	18.51B
Total Equity	46.02M	63.14M	92.80M	109.89M	120.30M	58.90M	-100.70M	-134.70M	-123.40M	39.60M	49.00M	63.00M	86.80M	113.50M	137.70M	169.00M	200.80M	225.30M	268.40M	308.00M	279.00M	313.30M	621.50M	650.80M	692.00M	742.00M	803.50M	873.30M	947.10M	969.50M	969.50M	1.01B	1.10B	1.11B	1.16B	1.24B	1.42B	1.41B	1.42B	1.42B
Cash	24.28M	2.01M	4.07M	36.31M	108.10M	182.10M	220.00M	260.60M	204.10M	157.70M	112.20M	91.90M	165.90M	147.20M	95.10M	106.00M	129.80M	150.50M	172.00M	159.50M	622.70M	927.70M	826.30M	480.40M	536.70M	571.60M	504.80M	587.30M	848.80M	1.06B	1.24B	1.50B	1.31B	1.23B	1.93B	1.36B	1.93B	2.99B	2.53B	2.39B
Total Debt	299.11M	924.17M	1.29B	1.75B	2.18B	1.86B	3.29B	2.69B	1.84B	1.50B	1.23B	1.13B	1.48B	1.52B	1.69B	2.19B	2.55B	3.14B	4.59B	-	8.59B	11.23B	10.77B	10.40B	9.87B	9.67B	9.05B	9.39B	9.81B	10.11B	11.36B	8.23B	6.94B	5.65B	4.38B	4.46B	4.02B	3.10B	1.01B	1.71B
Net Debt	274.83M	922.15M	1.29B	1.71B	2.08B	1.68B	3.07B	2.43B	1.63B	1.34B	1.12B	1.04B	1.31B	1.37B	1.60B	2.09B	2.42B	2.99B	4.42B	-159.50M	7.96B	10.31B	9.94B	9.92B	9.33B	9.10B	8.54B	8.80B	8.96B	9.05B	10.12B	6.73B	5.63B	4.43B	2.45B	272.30M	-664.70M	-2.70B	-1.52B	1.71B

Cash Flow

Currency: GBP	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30

Currency: GBP	1991-09-30	1992-09-30	1993-09-30	1994-09-30	1995-09-30	1996-09-30	1997-09-30	1998-09-30	1999-09-30	2000-09-30	2001-09-30	2002-09-30	2003-09-30	2004-09-30	2005-09-30	2006-09-30	2007-09-30	2008-09-30	2009-09-30	2010-09-30	2011-09-30	2012-09-30	2013-09-30	2014-09-30	2015-09-30	2016-09-30	2017-09-30	2018-09-30	2019-09-30	2020-09-30	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Operating Cash Flow	-58.10M	32.00M	13.60M	58.40M	28.70M	28.20M	26.70M	23.50M	28.10M	52.50M	70.10M	80.00M	87.20M	106.10M	120.10M	-1.82B	-2.51B	1.02B	738.80M	470.50M	246.10M	117.30M	-31.90M	-269.50M	-25.90M	865.20M	1.47B	1.07B	397.90M	1.03B	878.10M	1.17B	2.17B	2.22B	329.10M
Investing Cash Flow	453.50M	628.40M	618.70M	379.20M	210.50M	259.70M	19.60M	-117.20M	-66.70M	-236.10M	-373.20M	-411.00M	-653.70M	-771.50M	-669.90M	-1.40M	-6.20M	-800.00K	1.30M	300.00K	-2.10M	-2.20M	-1.60M	-65.20M	-3.60M	-278.60M	3.20M	-282.80M	8.30M	-2.80M	-4.30M	-2.40M	-3.10M	-424.70M	-911.10M
Financing Cash Flow	-290.30M	-701.00M	-591.70M	-494.80M	-285.50M	-276.40M	-92.10M	151.20M	45.20M	171.50M	339.20M	354.80M	612.60M	686.50M	538.00M	1.92B	2.82B	-1.12B	-1.09B	-414.30M	-209.60M	-181.90M	115.20M	596.50M	237.10M	-405.50M	-1.22B	-978.40M	-491.30M	-325.70M	-1.44B	-595.60M	-1.10B	-2.26B	446.00M
Capital Expenditure	5.30M	3.80M	1.50M	800.00K	800.00K	500.00K	2.50M	1.30M	1.60M	1.70M	1.00M	1.60M	1.30M	1.00M	616.70M	5.70M	7.20M	2.10M	300.00K	1.30M	3.00M	2.40M	1.60M	25.80M	1.90M	2.90M	2.60M	2.30M	3.10M	2.90M	4.30M	3.00M	3.20M	900.00K	1.30M
Free Cash Flow	-63.40M	28.20M	12.10M	57.60M	27.90M	27.70M	24.20M	22.20M	26.50M	50.80M	69.10M	78.40M	85.90M	105.10M	-496.60M	-1.83B	-2.52B	1.02B	738.50M	469.20M	243.10M	114.90M	-33.50M	-295.30M	-27.80M	862.30M	1.47B	1.07B	394.80M	1.03B	873.80M	1.17B	2.17B	2.21B	327.80M
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	5.10M	6.60M	8.60M	12.40M	16.00M	20.10M	2.90M	9.20M	10.00M	11.10M	12.30M	20.70M	23.70M	29.10M	33.90M	38.00M	43.10M	54.00M	35.90M	54.60M	68.90M	67.90M	83.50M	81.00M
FCF to OCF	109.12%	88.13%	88.97%	98.63%	97.21%	98.23%	90.64%	94.47%	94.31%	96.76%	98.57%	98.00%	98.51%	99.06%	-413.49%	100.31%	100.29%	99.79%	99.96%	99.72%	98.78%	97.95%	105.02%	109.57%	107.34%	99.66%	99.82%	99.79%	99.22%	99.72%	99.51%	99.74%	99.85%	99.76%	99.60%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-	-	6.51%	7.68%	8.18%	-2.50%	-0.87%	-0.80%	0.28%	1.25%	2.13%	4.57%	10.70%	-61.79%	-8.03%	-104.68%	3.93%	2.58%	4.02%	13.68%	3.50%	6.25%	5.91%	3.13%	3.78%	24.71%

Earnings

Report Date	Dec 1, 2026
EPS Estimate	-
EPS Actual	-
Surprise	-
Timing	Pre-market

Key Statistics & Ratios

Market Cap1.29B

Enterprise Value1.97B

Trailing P/E7.98

Forward P/E6.27

PEG Ratio0.51

Price / Sales2.53

Price / Book0.87

EPS0.90

Book Value7.59

Revenue (TTM)507.40M

Gross Profit (TTM)298.90M

Profit Margin35.10%

Operating Margin60.72%

Return on Equity12.03%

Return on Assets0.91%

Shares Outstanding178.96M

Shares Float171.72M

Beta1.19

Dividend Yield6.32%

Dividend Rate0.45

Payout Ratio48.78%

Dividends

20262×

0.15Jul 2, 20260.30Feb 5, 2026

20252×

0.14Jul 3, 20250.27Feb 6, 2025

20242×

0.13Jul 4, 20240.26Feb 1, 2024

20232×

0.11Jul 6, 20230.19Feb 2, 2023

20222×

0.09Jul 7, 20220.19Jan 27, 2022

20212×

0.07Jul 1, 20210.14Jan 28, 2021

20201×

0.14Jan 9, 2020

20192×

0.07Jul 4, 20190.14Jan 10, 2019

20182×

0.06Jul 5, 20180.11Jan 4, 2018

20172×

0.05Jul 6, 20170.09Jan 5, 2017

20162×

0.04Jun 30, 20160.07Jan 7, 2016

20152×

0.04Jul 2, 20150.06Jan 8, 2015

20141×

0.03Jul 2, 2014

Stock Splits

Jan 29, 20081:10
Mar 8, 19951:10