1. United Kingdom Stocks

  2. •

    Finance

  3. •

    Regional banks
Paragon Banking Group PLC

Paragon Banking Group PLC

LLSE:PAG
711.50
GBX
-0.50
(-0.07%)
133.03BMarket Cap
Dec 01Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.59
0.65
0.7
0.88
0.97
1.21
1.19
1.22
1.43
2.49
1.83
2.29
2.67
- -
Basic EPS, GAAP
0.28
0.32
0.35
0.4
0.43
0.56
0.49
0.36
0.65
1.29
0.69
0.89
0.91
- -
Free Cash Flow per Basic Share
-0.11
-0.97
-0.09
3.01
5.42
4.11
1.53
4.04
3.46
4.8
9.68
10.52
-1.93
- -
Dividend per Share
0.07
0.08
0.1
0.12
0.14
0.17
0.21
0.14
0.22
0.28
0.3
0.4
0.41
- -
Book Value per Share
2.86
3.09
3.26
3.46
3.8
4.12
4.32
4.51
4.73
6.06
6.57
6.95
7.45
8.39
Tangible Book Value per Share
2.83
3.06
3.24
3.08
3.4
3.47
3.66
3.84
4.08
5.33
5.79
6.11
6.55
7.46
Basic Weighted Avg Shares
301
305
302
287
272
261
258
254
252
243
224
210
198
191
Sales/Revenue/Turnover
177
197
210
254
263
314
307
310
361
605
410
482
529
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
3
4
4
4
4
6
6
6
8
7
6
- -
Net Income, GAAP
85
97
107
116
117
146
127
91
165
314
154
186
180
- -
Effective Tax Rate (%)
19.18
20.85
20.19
18.99
19.06
19.67
19.87
22.89
23.02
24.96
23.01
26.71
29.71
- -
Profit Margin (%)
47.85
49.29
51.02
45.76
44.6
46.37
41.54
29.48
45.53
51.84
37.53
38.61
34.1
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
9,385
9,807
10,106
10,503
8,227
6,937
5,654
4,381
1,642
1,266
295
158
657
656
Total Equity
873
947
970
970
1,009
1,074
1,108
1,156
1,242
1,417
1,411
1,420
1,420
1,552
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.84
0.93
0.98
1.03
1.13
1.69
1.72
1.48
3.91
11.27
7.01
11.33
9.87
- -
Return on Common Equity (%)
10.1
10.68
11.18
11.96
11.84
14
11.68
8.06
13.72
23.59
10.88
13.14
12.7
- -

Capital Structure

GBP

•

in mil. unless spec.
Mar'25
Sep'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
197
191
185
Market Capitalization
1,452
1,653
1,330

Working Capital

GBP

•

in mil. unless spec.
Mar'25
Sep'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,131
2,390
1,642
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
4.35%
0.05%
Free Cash Flow
-307.23%
-2.13%
-117.25%
Net Income, GAAP
13.05%
27.54%
-3.06%
Sales/Revenue/Turnover
12.17%
15.82%
9.78%
Total Cash Common Dividend
13.06%
19.36%
-2.99%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
482
2025
- -
- -
529
2026
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.89
2025
- -
- -
0.91
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.4
2025
- -
- -
0.41
2026
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Nigel Stewart Terrington
Full Time Employees
1,411
Sector
Finance
Industry
Regional banks
Address
51 Homer Road Solihull WM United Kingdom B91 3QJ
IPO Date
May 15, 1989
Website
paragonbankinggroup.co.uk
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Business
Paragon Banking Group PLC (LSE: PAG) is a United Kingdom-based specialist bank providing retail savings products and commercial lending services to underserved market segments. The company offers a range of savings accounts including easy access savings, fixed-term deposits, cash ISAs, and notice accounts through its retail savings division; buy-to-let mortgages, complex buy-to-let lending, and commercial property finance via its mortgage and commercial lending segments; and asset finance solutions such as hire purchase and leasing for SMEs. Founded in 1985 and headquartered in Solihull, England, Paragon operates primarily in the UK market, serving individual savers, landlords, small businesses, and property investors with tailored financial products. [ from prior context on company profile] In recent developments, Paragon Banking Group has focused on organic growth and portfolio expansion without major acquisitions, funding rounds, or name changes reported in 2024-2025; it maintained strong profitability amid UK housing market recovery, with strategic emphasis on buy-to-let lending amid regulatory shifts in the specialist mortgage sector. The bank continues to prioritize digital enhancements to its savings platforms and risk-managed lending practices, positioning it resiliently within the competitive UK challenger banking landscape. No significant partnerships or new product launches were highlighted in the latest public updates as of late 2025.