Paragon Banking Group (PAG)

Sector:

Financials

Index:

FTSE 250

902.50p
   
  • Change Today:
    -10.50p
  • 52 Week High: 920.50
  • 52 Week Low: 669.50
  • Currency: UK Pounds
  • Shares Issued: 198.95m
  • Volume: 273,889
  • Market Cap: £1,795.51m
  • RiskGrade: 172
  • Beta: 0.00

Deal with Barclays    Trade now with Barclays Stockbrokers

Dividend Data

  30-Sep-2430-Sep-2330-Sep-2230-Sep-2130-Sep-20
Interim Dividend13.20p11.00p9.40p7.20p7.00p
Final Dividend27.20p26.40p19.20p18.90pn/a
Total Dividend40.40p11.00p28.60p26.10p14.40p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20
Continuing Operations          
Revenue 496.40 466.00 393.00 324.90 295.10
Operating Profit/(Loss) 253.80 199.90 417.90 213.70 118.40
Profit Before Tax 253.80 199.90 417.90 213.70 118.40
Profit After Tax 186.00 153.90 313.60 164.50 91.30
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 186.00 153.90 313.60 164.50 91.30
Attributable to:          
Equity Holders of Parent Company 186.00 153.90 313.60 164.50 91.30
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 88.50p 68.70p 129.20p 65.20p 36.00p
Earnings per Share - Diluted 85.20p 66.30p 125.90p 63.00p 35.60p
Earnings per Share - Adjusted 101.10p 94.20p 71.50p 65.20p 36.00p
Continuing and Discontinued EPS          
Earnings per Share - Basic 88.50p 68.70p 129.20p 65.20p 36.00p
Earnings per Share - Diluted 85.20p 66.30p 125.90p 63.00p 35.60p
Earnings per Share - Adjusted 101.10p 94.20p 71.50p 65.20p 36.00p
           
Dividend per Share 40.40p 37.40p 28.60p 26.10p 14.40p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20
Assets          
Property, Plant & Equipment 71.00 74.70 71.40 70.40 66.10
Intangible Assets 171.50 168.20 170.20 170.50 170.10
Investment Properties n/a n/a n/a n/a n/a
Investments 427.40 n/a n/a n/a n/a
Other Financial Assets 391.80 615.40 779.00 44.20 n/a
           
Loans & Advances to Banks n/a n/a n/a n/a n/a
Loans & Advances to Customers 15,630.30 14,495.00 13,650.40 13,408.20 12,741.10
Advances 15,630.30 14,495.00 13,650.40 13,408.20 12,741.10
           
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 2,525.40 2,994.30 1,930.90 1,360.10 1,925.00
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 2,525.40 2,994.30 1,930.90 1,360.10 1,925.00
           
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 n/a n/a n/a n/a n/a
Total Assets 19,270.00 18,420.20 16,653.60 15,137.00 15,505.50
           
Liabilities          
Items in Course of Collection n/a n/a n/a n/a n/a
Deposits & Customer Accounts 16,314.70 13,234.40 10,569.50 9,683.50 7,867.00
Debt Securities 149.90 286.20 670.80 516.00 n/a
Other Current Liabilities n/a n/a n/a 1.40 n/a
           
Borrowings 755.40 2,750.00 3,336.00 3,549.00 6,229.70
Provisions 13.40 17.70 44.40 n/a n/a
Other Liabilities 617.10 721.30 615.20 144.90 252.80
Total Liabilities 17,850.50 17,009.60 15,236.30 13,895.10 14,349.50
           
Net Assets 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00
           
Capital & Reserves          
Share Capital 210.60 228.70 241.40 262.50 261.80
Share Premium Account n/a n/a n/a n/a n/a
Other Reserves (65.40) (75.60) (48.00) (76.70) 894.20
Retained Earnings 1,274.30 1,257.50 1,223.90 1,056.10 n/a
Shareholders Funds 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 1,419.50 1,410.60 1,417.30 1,241.90 1,156.00
Cash Flow 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20
Net Cash Flow From Operating Activities 2,216.40 2,171.10 1,168.70 878.10 1,028.70
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 (424.70) (3.10) (2.40) (4.30) (2.80)
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 (2,260.80) (1,105.00) (595.60) (1,438.60) (325.70)
Net Increase/Decrease In Cash (469.10) 1,063.00 570.70 (564.80) 700.20
Ratios - based on IFRS 30-Sep-24 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20
Continuing Operations          
PE Ratio - Adjusted 7.7 5.2 5.5 8.4 9.2
PEG - Adjusted 1.1 0.2 0.6 0.1 n/a
Earnings per Share Growth - Adjusted 7% 32% 10% 81% -27%
Dividend Cover 2.50 2.52 2.50 2.50 2.50
Revenue per Share 249.51p 234.23p 197.54p 128.78p 116.36p
Pre-Tax Profit per Share 127.57p 100.48p 210.05p 84.70p 46.69p
Operating Margin 51.13% 42.90% 106.34% 65.77% 40.12%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 7.7 5.2 5.5 8.4 9.2
PEG - Adjusted 1.1 0.2 0.6 0.1 n/a
Earnings per Share Growth - Adjusted 7% 32% 10% 81% -27%
Dividend Cover 2.50 2.52 2.50 2.50 2.50
           
Dividend Yield 5.2% 7.6% 7.2% 4.8% 4.3%
Dividend per Share Growth 8.02% 30.77% 9.58% 81.25% (32.08%)
Operating Cash Flow per Share 1,114.06p 1,091.29p 587.44p 348.04p 405.64p
Cash Incr/Decr per Share (235.79p) 534.31p 286.86p (223.86p) 276.10p
Net Asset Value per Share (exc. Intangibles) 627.30p 624.48p 626.85p 424.65p 388.76p
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.

 

Top of Page