Paragon Banking Group (PAG)

Sector:

Banking

Index:

FTSE 250

747.50p
   
  • Change Today:
      20.50p
  • 52 Week High: 970.00p
  • 52 Week Low: 711.50p
  • Currency: UK Pounds
  • Shares Issued: 188.23m
  • Volume: 556,995
  • Market Cap: £1,407.01m
  • RiskGrade: 172
  • Beta: 0.00

Dividend Data

  30-Sep-2530-Sep-2430-Sep-2330-Sep-2230-Sep-21
Interim Dividend13.60p13.20p11.00p9.40pn/a
Final Dividend30.30p27.20p26.40p19.20pn/a
Total Dividend43.90p40.40p11.00p28.60pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 30-Sep-25 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21
Continuing Operations          
Revenue 515.10 496.40 466.00 393.00 324.90
Operating Profit/(Loss) 256.50 253.80 199.90 417.90 213.70
Profit Before Tax 256.50 253.80 199.90 417.90 213.70
Profit After Tax 180.30 186.00 153.90 313.60 164.50
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 180.30 186.00 153.90 313.60 164.50
Attributable to:          
Equity Holders of Parent Company 180.30 186.00 153.90 313.60 164.50
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 91.20p 88.50p 68.70p 129.20p 65.20p
Earnings per Share - Diluted 87.90p 85.20p 66.30p 125.90p 63.00p
Earnings per Share - Adjusted 91.20p 88.50p 94.20p 71.50p 65.20p
Continuing and Discontinued EPS          
Earnings per Share - Basic 91.20p 88.50p 68.70p 129.20p 65.20p
Earnings per Share - Diluted 87.90p 85.20p 66.30p 125.90p 63.00p
Earnings per Share - Adjusted 91.20p 88.50p 94.20p 71.50p 65.20p
           
Dividend per Share 43.90p 40.40p 37.40p 28.60p 26.10p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 30-Sep-25 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21
Assets          
Property, Plant & Equipment 77.00 71.00 74.70 71.40 70.40
Intangible Assets 172.10 171.50 168.20 170.20 170.50
Investment Properties n/a n/a n/a n/a n/a
Investments 626.20 427.40 n/a n/a n/a
Other Financial Assets 275.40 391.80 615.40 779.00 44.20
           
Loans & Advances to Banks n/a n/a n/a n/a n/a
Loans & Advances to Customers 16,335.90 15,630.30 14,495.00 13,650.40 13,408.20
Advances 16,335.90 15,630.30 14,495.00 13,650.40 13,408.20
           
Debt Securities n/a n/a n/a n/a n/a
Items in course of collection n/a n/a n/a n/a n/a
           
Cash at Bank 2,389.50 2,525.40 2,994.30 1,930.90 1,360.10
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 2,389.50 2,525.40 2,994.30 1,930.90 1,360.10
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets 47.70 42.90 n/a n/a n/a
Total Assets 19,930.00 19,270.00 18,420.20 16,653.60 15,137.00
           
Liabilities          
Items in Course of Collection n/a n/a n/a n/a n/a
Deposits & Customer Accounts 16,270.80 16,314.70 13,234.40 10,569.50 9,683.50
Debt Securities 150.10 149.90 286.20 670.80 516.00
Other Current Liabilities n/a n/a n/a n/a 1.40
           
Borrowings 950.50 755.40 2,750.00 3,336.00 3,549.00
Provisions 39.40 13.40 17.70 44.40 n/a
Other Liabilities 1,099.00 617.10 721.30 615.20 144.90
Total Liabilities 18,509.80 17,850.50 17,009.60 15,236.30 13,895.10
           
Net Assets 1,420.20 1,419.50 1,410.60 1,417.30 1,241.90
           
Capital & Reserves          
Share Capital 197.40 210.60 228.70 241.40 262.50
Share Premium Account n/a n/a n/a n/a n/a
Other Reserves 1,222.80 1,208.90 (75.60) (48.00) (76.70)
Retained Earnings n/a n/a 1,257.50 1,223.90 1,056.10
Shareholders Funds 1,420.20 1,419.50 1,410.60 1,417.30 1,241.90
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 1,420.20 1,419.50 1,410.60 1,417.30 1,241.90
Cash Flow 30-Sep-25 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21
Net Cash Flow From Operating Activities (377.40) 2,216.60 2,171.10 1,168.70 878.10
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (236.90) (424.70) (3.10) (2.40) (4.30)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities 478.30 (2,260.80) (1,105.00) (595.60) (1,438.60)
Net Increase/Decrease In Cash (136.00) (469.10) 1,063.00 570.70 (564.80)
Ratios - based on IFRS 30-Sep-25 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21
Continuing Operations          
PE Ratio - Adjusted 9.5 8.8 5.2 5.5 8.4
PEG - Adjusted 3.2 n/a 0.2 0.6 0.1
Earnings per Share Growth - Adjusted 3% -6% 32% 10% 81%
Dividend Cover 2.08 2.19 2.52 2.50 2.50
Revenue per Share 273.66p 263.72p 247.57p 208.79p 128.78p
Pre-Tax Profit per Share 136.27p 134.84p 106.20p 222.02p 84.70p
Operating Margin 49.80% 51.13% 42.90% 106.34% 65.77%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 9.5 8.8 5.2 5.5 8.4
PEG - Adjusted 3.2 n/a 0.2 0.6 0.1
Earnings per Share Growth - Adjusted 3% -6% 32% 10% 81%
Dividend Cover 2.08 2.19 2.52 2.50 2.50
           
Dividend Yield 5.1% 5.2% 7.6% 7.2% 4.8%
Dividend per Share Growth 8.66% 8.02% 30.77% 9.58% 81.25%
Operating Cash Flow per Share (200.50p) 1,177.61p 1,153.44p 620.89p 348.04p
Cash Incr/Decr per Share (72.25p) (249.22p) 564.74p 303.19p (223.86p)
Net Asset Value per Share (exc. Intangibles) 663.08p 663.02p 660.05p 662.54p 424.65p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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