Paragon Banking Group (PAG)

Sector:

Financials

Index:

FTSE 250

733.00p
   
  • Change Today:
      9.50p
  • 52 Week High: 807.50
  • 52 Week Low: 468.20
  • Currency: UK Pounds
  • Shares Issued: 206.31m
  • Volume: 269,685
  • Market Cap: £1,512.27m
  • RiskGrade: 172
  • Beta: 1.38

Dividend Data

  30-Sep-2330-Sep-2230-Sep-2130-Sep-2030-Sep-19
Interim Dividend11.00p9.40p7.20pn/a7.00p
Final Dividend26.40p19.20p18.90p14.40pn/a
Total Dividend11.00p28.60p26.10p14.40p21.20p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Continuing Operations          
Revenue 466.00 393.00 324.90 295.10 307.30
Operating Profit/(Loss) 199.90 417.90 213.70 118.40 159.00
Profit Before Tax 199.90 417.90 213.70 118.40 159.00
Profit After Tax 153.90 313.60 164.50 91.30 127.40
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 153.90 313.60 164.50 91.30 127.40
Attributable to:          
Equity Holders of Parent Company 153.90 313.60 164.50 91.30 127.40
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 68.70p 129.20p 65.20p 36.00p 49.40p
Earnings per Share - Diluted 66.30p 125.90p 63.00p 35.60p 48.20p
Earnings per Share - Adjusted 94.20p 71.50p 65.20p 36.00p 49.40p
Continuing and Discontinued EPS          
Earnings per Share - Basic 68.70p 129.20p 65.20p 36.00p 49.40p
Earnings per Share - Diluted 66.30p 125.90p 63.00p 35.60p 48.20p
Earnings per Share - Adjusted 94.20p 71.50p 65.20p 36.00p 49.40p
           
Dividend per Share 37.40p 28.60p 26.10p 14.40p 21.20p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Assets          
Property, Plant & Equipment 74.70 71.40 70.40 66.10 57.30
Intangible Assets 168.20 170.20 170.50 170.10 171.10
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets 615.40 779.00 44.20 n/a n/a
           
Loans & Advances to Banks n/a n/a n/a n/a n/a
Loans & Advances to Customers 14,495.00 13,650.40 13,408.20 12,741.10 12,250.30
Advances 14,495.00 13,650.40 13,408.20 12,741.10 12,250.30
           
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 2,994.30 1,930.90 1,360.10 1,925.00 1,225.40
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 2,994.30 1,930.90 1,360.10 1,925.00 1,225.40
           
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 18,420.20 16,653.60 15,137.00 15,505.50 14,395.50
           
Liabilities          
Items in Course of Collection n/a n/a n/a n/a n/a
Deposits & Customer Accounts 13,234.40 10,569.50 9,683.50 7,867.00 6,395.80
Debt Securities 286.20 670.80 516.00 n/a n/a
Other Current Liabilities n/a n/a 1.40 n/a n/a
           
Borrowings 2,750.00 3,336.00 3,549.00 6,229.70 6,648.40
Provisions 17.70 44.40 n/a n/a n/a
Other Liabilities 721.10 615.20 144.90 252.80 242.90
Total Liabilities 17,009.60 15,236.30 13,895.10 14,349.50 13,287.10
           
Net Assets 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40
           
Capital & Reserves          
Share Capital 228.70 241.40 262.50 261.80 261.60
Share Premium Account n/a n/a n/a n/a n/a
Other Reserves (75.60) (48.00) (76.70) 894.20 846.80
Retained Earnings 1,257.50 1,223.90 1,056.10 n/a n/a
Shareholders Funds 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 1,410.60 1,417.30 1,241.90 1,156.00 1,108.40
Cash Flow 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Net Cash Flow From Operating Activities 2,171.70 1,168.70 878.10 1,028.70 397.90
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 (3.10) (2.40) (4.30) (2.80) 8.30
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 (1,105.00) (595.60) (1,438.60) (325.70) (491.30)
Net Increase/Decrease In Cash 1,063.60 570.70 (564.80) 700.20 (85.10)
Ratios - based on IFRS 30-Sep-23 30-Sep-22 30-Sep-21 30-Sep-20 30-Sep-19
Continuing Operations          
PE Ratio - Adjusted 5.2 5.5 8.4 9.2 9.8
PEG - Adjusted 0.2 0.6 0.1 n/a 4.9
Earnings per Share Growth - Adjusted 32% 10% 81% -27% 2%
Dividend Cover 2.52 2.50 2.50 2.50 2.33
Revenue per Share 225.87p 190.49p 1.30p 116.36p 119.29p
Pre-Tax Profit per Share 96.89p 202.56p 0.85p 46.69p 61.72p
Operating Margin 42.90% 106.34% 65.77% 40.12% 51.74%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 5.2 5.5 828.9 9.2 9.8
PEG - Adjusted 0.2 0.0 n/a n/a 4.9
Earnings per Share Growth - Adjusted 32% 10,764% -98% -27% 2%
Dividend Cover 2.52 2.50 0.03 2.50 2.33
           
Dividend Yield 7.6% 7.2% 4.8% 4.3% 4.4%
Dividend per Share Growth 30.77% 9.58% 81.25% (32.08%) 9.28%
Operating Cash Flow per Share 1,052.63p 566.47p 348.04p 405.64p 154.46p
Cash Incr/Decr per Share 515.53p 276.62p (2.26p) 276.10p (33.04p)
Net Asset Value per Share (exc. Intangibles) 602.20p 604.47p 424.65p 388.76p 363.86p
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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