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PARAGON BANKING GROUP PLC ORD GBP1

Symbol: PAG

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Whilst we endeavour to price investments on a real-time streaming or 15 min delayed basis, some prices may be as at close of business from the previous working day.

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Overview

Core Data
Latest Dividend Information

Ex-Dividend Date 6 Feb 2025
Pay Date 7 Mar 2025
Total Dividends - Year to Date40.4
Dividend Yield (%)4.7086

Historical Data & Ratios

Avg Volume Over 10 Days0.3309
Market Cap (M)1650.6690
Price/Earnings (PE)0
Earnings Per Share88.69
Revenue Per Share6.0801
Return on Equity %13.1444

1 Month Performance Chart

One Month Chart

Broker View
Data shown is based on the past 75 days of broker views.

ActionBrokers

Strong Buy5

Buy3

Neutral4

Sell0

Strong Sell0
Brokers 5 3 4 0 0
Consensus

ConsensusBuy

Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

Cost and Charges Information

This calculator provides you with costs and charges information regarding our charges and, where relevant, the costs within this investment product

Account Type

  • Investment Account
  • Stocks & Shares ISA
  • SIPP

Annual charges

These are the annual costs based on an initial investment amount of over 1 year assuming a net zero growth rate

Cost Category % of Investment lump sum costs
Our annual fee

Our annual fee

Includes our platform fee at 0.30% per annum (excluding Charles Stanley Multi Asset Funds and anycash held). The min fee is £60, the max is £600 per annum, plus SIPP administration fee (if applicable, only charged if < £30,000 held) – see here 		0.30%
Dealing charges

Dealing charges

Any one-off commission charges associated with investing. Note that government taxes and levies are not included. This does not include any commission credits you may have available 		N/A
Product provider costs

Product provider costs

Product provider costs shown are inclusive of the fund ongoing charges figure (OCF), transaction costs and incidental costs 		N/A N/A
Total (£)

Total (£)

Costs per annum displayed in monetary value
Total (%)

Total (%)

Costs per annum displayed as a percentage of investment value

Cumulative effect of charges on your investment's return

This illustration assumes that costs occur evenly throughout the year, charges are paid out of the investment evenly throughout the year, and that an annual growth rate of applies evenly throughout the year, before any charges including product charges

lump sum invested with an assumed growth rate of 1 year years
What you might get back at  with no charges applied

What you might get back at  with no charges applied

These are the illustrative values of a  investment after growth and no costs applied at the end of the defined period
Annual charges

Annual charges

These are the annual costs based on an initial investment amount of assuming a net zero growth rate
Effect of charges on return (%)

Effect of charges on return (%)

These are the overall costs in percentage terms, based on an initial investment amount of assuming a growth rate
Effect of charges on return (£)

Effect of charges on return (£)

These are the overall costs in monetary value, based on an initial investment amount of assuming a growth rate
What you might get back at with charges applied

What you might get back at with charges applied

These are the illustrative values of a investment after growth and costs at the end of the defined period

This illustration is not a forecast of future investment performance but merely a means to demonstrate the potential impact of costs and charges for an assumed return of . Whilst we make reasonable endeavours to ensure the accuracy of third party charges information, this is intended for illustrative purposes only and should not be relied upon. We do not warrant or represent that this information is accurate, complete or up to date, therefore we accept no responsibility or liability for its use

Charts

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      Company

      Business Summary

      Paragon Banking Group PLC is a United Kingdom-based specialist bank. The Company’s lending products include mortgages for landlords and loans for business customers. Its lending is funded by deposits from savings customers, together with wholesale funding. It helps individuals and small businesses across the United Kingdom prosper and is focused on customers in markets typically underserved by large high street banks. The Company operates through two segments: Mortgage Lending and Commercial Lending. It offers buy-to-let mortgage finance for landlords operating in the United Kingdom’s Private Rented Sector. It provides finance to small and medium-sized enterprises (SMEs), and small corporates operating in a range of commercial lending markets, as well as motor finance to United Kingdom-based consumers. The Company is focused on specialist assets and underserved markets in four main areas: SME lending, development finance, structured lending and motor finance.

      Financial Summary

      BRIEF: For the fiscal year ended 30 September 2024, Paragon Banking Group PLC revenues increased 29% to £1.33B. Net income increased 21% to £186M. Revenues reflect Unallocated segment increase from £35.6M to £76.2M, Mortgage Lending segment increase of 1% to £286.1M, Net Interest Margin, Total - % increase of 2% to 3.16%. Net income was partially offset by Commercial Lending segment income decrease of 22% to £88.3M.

      Financials


      Income Statement - All values are in GBP (M).

      Year Ending

      30/09/2024

      30/09/2023

      30/09/2022

      30/09/2021

      30/09/2020

      30/09/2019

      Total Revenue 1,327.90 1,027.70 567.50 457.90 508.70 534.60
      Gross profit 627.30 639.20 454.50 369.70 379.00 309.90
      Operating Profit/Loss 253.80 199.90 417.90 213.70 118.40 159.00
      Profit Before Tax 253.80 199.90 417.90 213.70 118.40 159.00
      Profit After Tax 186.00 153.90 313.60 164.50 91.30 127.40
      Equity Holders of Parent Company 186.00 153.90 313.60 164.50 91.30 127.40
      Minority Interest NIL NIL NIL NIL NIL NIL


      Balance Sheet - All values are in GBP (M).

      Year Ending

      30/09/2024

      30/09/2023

      30/09/2022

      30/09/2021

      30/09/2020

      30/09/2019

      Total Non-Current Assets 19,270.00 18,420.20 16,653.60 15,137.00 15,505.50 14,395.50
      Total Current Assets NIL NIL NIL NIL NIL NIL
      Total Assets 19,270.00 18,420.20 16,653.60 15,137.00 15,505.50 14,395.50
      Total Liabilities 17,850.50 17,009.60 15,236.30 13,895.10 14,349.50 13,287.10
      Total Net Assets 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40
      Shareholders Funds 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40
      Minority Interests NIL NIL NIL NIL NIL NIL
      Total Equity 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40

      Outlook

      Broker View
      Data shown is based on the past 75 days of broker views.

      ActionBrokers

      Strong Buy5

      Buy3

      Neutral4

      Sell0

      Strong Sell0
      Brokers 5 3 4 0 0
      Consensus

      ConsensusBuy

      Not advice based on your circumstances. Does not constitute a recommendation to buy or sell this or any other security. Selected data supplied by Digital Look® Read more.

      © 2022 Refinitiv, an LSEG business. All rights reserved.

      Forecasts

      Year 2025 2026 2027
      Revenue £500.32mn £516.75mn £542.02mn
      Pre-tax-Profit £336.58mn £346.14mn £363.90mn
      EPS £1.03p £1.12p £1.22p
      EPS Growth 1.78% 8.45% 9.40%
      P/E 7.51 6.92 6.33
      PEG Ratio 4.22 0.82 0.67
      Dividend 42.45p 46.04p 50.25p
      Yield 0.00% 0.00% 0.00%

      Upgrades & Downgrades (Latest)

      DateBrokerRecommendationPriceOld TargetNew TargetChange
      10th Apr 2025Shore CapitalReiteration722p0p0pBuy
      4th Dec 2024Shore CapitalReiteration795p0p0pBuy
      31st Jul 2024RBC Capital MarketsReiteration804p0p875pOutperform
      26th Jan 2024Shore CapitalReiteration712p0p0pBuy
      6th Dec 2023Shore CapitalReiteration532p0p0pBuy
      25th Jul 2023Shore CapitalReiteration545p0p0pBuy
      7th Jun 2023RBC Capital MarketsReiteration552p675p700pSector perform
      6th Jun 2023JP Morgan CazenoveReiteration551p0p690pBuy
      6th Jun 2023Shore CapitalReiteration551p0p0pBuy
      6th Jun 2023JefferiesReiteration551p0p700pBuy

      Time & Sales

      All prices are in GBX and times are in GMT. Last 20 trades shown. Trade type is estimated and should be treated as indicative only.

      Date Time Price Volume Type
      2 May 2025 16:48 858 1,378 Buy
      2 May 2025 16:48 858 753 Buy
      2 May 2025 16:35 858 98,057 Buy
      2 May 2025 16:29 855.5 3 Buy
      2 May 2025 16:29 855.5 27 Buy
      2 May 2025 16:29 855.335 2 Buy
      2 May 2025 16:28 855 280 Buy
      2 May 2025 16:28 855 285 Buy
      2 May 2025 16:27 855 1 Buy
      2 May 2025 16:27 855 100 Sell
      2 May 2025 16:27 855 32 Sell
      2 May 2025 16:27 855 50 Sell
      2 May 2025 16:27 855 40 Sell
      2 May 2025 16:27 855 1 Sell
      2 May 2025 16:26 855 53 Sell
      2 May 2025 16:26 855 60 Sell
      2 May 2025 16:26 855.5 616 Unknown
      2 May 2025 16:26 855.5 214 Sell
      2 May 2025 16:26 855.5 162 Buy

      Selected data supplied by Thomson Reuters ©  View restrictions.

      Investment involves risk. You may get back less than invested.