Paragon Banking Group PLC

BATS-CHIXE:PAGL Stock Report

Market Cap: UK£1.5b

Paragon Banking Group Past Earnings Performance

Past criteria checks 5/6

Paragon Banking Group has been growing earnings at an average annual rate of 13.4%, while the Diversified Financial industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 10.2% per year. Paragon Banking Group's return on equity is 13.1%, and it has net margins of 40.6%.

Key information

13.4%

Earnings growth rate

17.1%

EPS growth rate

Diversified Financial Industry Growth14.3%
Revenue growth rate10.2%
Return on equity13.1%
Net Margin40.6%
Next Earnings Update04 Jun 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Paragon Banking Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BATS-CHIXE:PAGL Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2445818600
30 Jun 2447119200
31 Mar 2446519800
31 Dec 2342917600
30 Sep 2339315400
30 Jun 2336719800
31 Mar 2335924200
31 Dec 2239327800
30 Sep 2242731400
30 Jun 2240825700
31 Mar 2238819900
31 Dec 2137118200
30 Sep 2135516500
30 Jun 2132414300
31 Mar 2129312100
31 Dec 2027910600
30 Sep 202659100
30 Jun 2028010320
31 Mar 2029411430
31 Dec 1930512130
30 Sep 1931612730
30 Jun 1932113530
31 Mar 1932614230
31 Dec 1831814430
01 Oct 1831014630
30 Jun 1829013430
31 Mar 1827012340
31 Dec 1726612040
30 Sep 1726211740
30 Jun 1725811740
31 Mar 1725411740
31 Dec 1625111640
30 Sep 1624911630
30 Jun 1623911530
31 Mar 1622911330
31 Dec 1521811030
30 Sep 1520710730
30 Jun 1520210430
31 Mar 1519710130
31 Dec 141919930
30 Sep 141859730
30 Jun 141799530
31 Mar 141739330
31 Dec 131678930

Quality Earnings: PAGL has high quality earnings.

Growing Profit Margin: PAGL's current net profit margins (40.6%) are higher than last year (39.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PAGL's earnings have grown by 13.4% per year over the past 5 years.

Accelerating Growth: PAGL's earnings growth over the past year (20.9%) exceeds its 5-year average (13.4% per year).

Earnings vs Industry: PAGL earnings growth over the past year (20.9%) exceeded the Diversified Financial industry 10.8%.

Return on Equity

High ROE: PAGL's Return on Equity (13.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 19:32
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Paragon Banking Group PLC is covered by 29 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Peter LenardosArden Partners Plc.
Toni DangBarclays
Prasaanna JeyanandhanBerenberg