Paragon Group/£PAG

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About Paragon Group

Paragon Banking Group PLC, trading under the ticker symbol PAG, is a specialist financial services provider in the United Kingdom. Founded in 1985 and headquartered in Solihull, England, the company primarily offers mortgage products and services for landlords, along with personal loans, vehicle finance, and commercial lending. The business operates primarily through its three main divisions: Mortgages, Commercial Lending, and Idem Capital.

Ticker

£PAG
Sector

Primary listing

LSE

Employees

1,395

Paragon Group Metrics

BasicAdvanced
£1.6B
8.77
£0.97
1.51
£0.41
4.81%

What the Analysts think about Paragon Group

Analyst ratings (Buy, Hold, Sell) for Paragon Group stock.

Bulls say / Bears say

In H1 2025 Paragon delivered underlying operating profit of £149.4 million (up 2.1%), underlying EPS of 54.7 pence (up 9.6%), a 4.9% increase in its loan book to £16.0 billion, and an 11.4% rise in new lending to £1.38 billion, underscoring resilient core performance (RNS).
The full market rollout of Paragon’s new digital lending platform in H1 2025 has cut application-to-offer times by 50%, enhancing broker conversion and customer experience as part of its ongoing technology-driven efficiency programme (LinkedIn).
Management increased the share repurchase programme to up to £100 million in June 2025, reflecting strong board confidence in the group’s capital position and future cash-flow generation (RTTNews).
Stamp duty changes in July 2025 disrupted Paragon’s mortgage pipeline, with management warning that full-year lending volumes are likely to hit the lower end of guidance and the shares fell 9% on the update (Proactive Investors).
Commercial Lending advances declined 7.3% year-on-year to £254.2 million in Q1 2024/25, signaling potential pressure on Paragon’s diversification strategy outside its core buy-to-let business (Mortgage Finance Gazette).
Uncertainty around capital requirements has risen after Paragon’s buy-to-let IRB application and access to the Bank of England’s Interim Capital Regime were delayed by the Basel 3.1 implementation announcement, potentially constraining future lending capacity (RNS).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.

Paragon Group Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Paragon Group Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.

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