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    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
Paragon Banking Group PLC
LSE:PAG
(London Stock Exchange)

Recent

price

711.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
GBP
0.45
- -
0.57
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
- -
Revenue per Share
0.18
0.2
0.24
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
- -
Basic EPS, GAAP
1.59
0.82
0.39
-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
- -
Free Cash Flow per Basic Share
0.03
0.04
0.04
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
- -
Dividend per Share
2.31
2.48
2.67
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
Book Value per Share
2.28
2.45
2.64
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
Tangible Book Value per Share
295
295
298
301
305
302
287
272
261
258
254
252
243
224
210
198
191
Basic Weighted Avg Shares
133
- -
171
177
197
210
254
263
314
307
310
361
605
410
482
529
- -
Sales/Revenue/Turnover
79.09
- -
-37.3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
3
3
3
3
4
4
4
4
6
6
6
8
7
6
- -
Depreciation Expense
54
60
72
85
97
107
116
117
146
127
91
165
314
154
186
180
- -
Net Income, GAAP
24.93
26.24
24.4
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
- -
Effective Tax Rate (%)
40.4
- -
42.35
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
- -
Profit Margin (%)
493
526
460
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9,868
12
9,156
9,385
9,807
10,106
10,503
8,227
6,937
5,654
4,381
1,642
1,266
295
158
657
656
LT Debt
692
742
804
873
947
970
970
1,009
1,074
1,108
1,156
1,242
1,417
1,411
1,420
1,420
1,552
Total Equity
0.73
-1.03
-0.9
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.45
2.65
3.27
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 Capital (%)
8.03
8.31
9.34
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
- -
Return on Common Equity (%)

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
- -
- -
- -
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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.