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Paragon Banking Group Fundamentals

Company Name Paragon Banking Group Last Updated 17 Sep 2020
Industry Financials Sector Consumer Finance
Shares in Issue (m) 256.48 Market Cap (£m) 928.46
PE Ratio 7.33 Div per Share (p) 21.20
Div Yield 3.92 Div Cover 3.48
EPS 49.40 EPS Growth (%) -11.63
PEG -0.63 DPS Growth (%) 9.28
Debt Ratio 92.30 Debt Equity Ratio 1.00
Net Gearing 83.79 Gross Gearing 92.30
Asset Equity Ratio 12.99 Cash Equity Ratio 110.56
Quick Ratio 0.00 Current Ratio 0.00
Price To Book Value 0.84 ROCE 1.10

Paragon Banking Group Dividends

Type Ex-Date Pay Date Currency Net Dividend Year Total
H2 Dividend 09 Jan 2020 17 Feb 2020 GBX 14.20 21.20
H1 Dividend 04 Jul 2019 26 Jul 2019 GBX 7.00
H2 Dividend 10 Jan 2019 18 Feb 2019 GBX 13.90 19.40
H1 Dividend 05 Jul 2018 27 Jul 2018 GBX 5.50
H2 Dividend 04 Jan 2018 19 Feb 2018 GBX 11.00 15.70
H1 Dividend 06 Jul 2017 28 Jul 2017 GBX 4.70
H2 Dividend 05 Jan 2017 13 Feb 2017 GBX 9.20 13.50
H1 Dividend 30 Jun 2016 22 Jul 2016 GBX 4.30
H2 Dividend 07 Jan 2016 15 Feb 2016 GBX 7.40 11.00

Paragon Banking Group Company Financials

Assets (£m) 2019 2018 2017
Tangible Assets 57 57 46
Intangible Assets 171 169 104
Investments 12,849 12,959 12,022
Total Fixed Assets 13,077 13,186 12,173
Stocks 0 0 0
Debtors 93 19 13
Cash & Equivalents 1,225 1,311 1,497
Other Assets 0 0 0
Total Assets 14,396 14,515 13,682
Liabilities (£m) 2019 2018 2017
Creditors within 1 year 0 0 0
Creditors after 1 year 0 0 0
Other Liabilities 13,287 13,419 12,673
Total Liabilities 13,287 13,419 12,673
Net assets 1,108 1,096 1,009
Equity (£m) 2019 2018 2017
Called up share capital 262 282 282
Share Premium 0 0 0
Profit / Loss 159 182 145
Other Equity 847 814 728
Preference & Minorities 0 0 0
Total Capital Employed 1,108 1,096 1,009
Ratios 2019 2018 2017
Debt Ratio 92.30 92.45 92.62
Debt-to-Equity 1.00 1.00 1.00
Net Gearing 83.79 83.42 81.68
Gross Gearing 92.30 92.45 92.62
Assets / Equity 12.99 13.25 13.56
Cash / Equity 110.56 119.59 148.30
EPS 49.40 55.90 43.10
Cash Flow (£m) 2019 2018 2017
Cash from operating activities 398 1,074 1,475
Cashflow before financing 406 792 1,478
Increase in Cash -85 -187 260
Income (£m) 2019 2018 2017
Turnover 307 302 253
Cost of sales 0 0 0
Gross Profit 0 0 0
Operating Profit 159 180 145
Pre-Tax profit 159 182 145
Profit / Loss for the year 262 282 282

Paragon Banking Group Company Background

Sector Consumer Finance
Activities Paragon Banking Group plc (formerly Paragon Group of Companies plc) is a specialist finance provider. It offers a range of savings and lending products in the UK through Paragon Bank PLC. It also invests in and manage loan portfolios through our subsidiary Idem Capital.
Latest Interim Date 10 Jun 2020
Latest Fiscal Year End Date 26 Nov 2019

Paragon Banking Group Directors

Appointed Director Position
1995-06-01 Nigel Stewart Terrington Chief Executive
2012-02-09 Richard James Woodman Finance Director
2012-09-12 Fiona Jane Clutterbuck Non-Executive Chairman
2017-09-20 Graeme Howes Yorston Non-Executive Director
2017-09-20 Finlay Ferguson Williamson Non-Executive Director
2014-11-24 Hugo Richard Tudor Non-Executive Director
2017-09-20 Barbara Ann Ridpath Non-Executive Director
2011-02-11 Peter James Norman Hartill Non-Executive Director
2020-03-26 Alison Clare Munro Morris Non-Executive Director

Paragon Banking Group Contact Details

Company Name Paragon Banking Group
Company Address St Catherine's Court, Herbert Road, Solihull, West Midlands B91 3QE.
Company Telephone 0845 849 4000
Company Website http://www.paragonbankinggroup.co.uk/

Paragon Banking Group Advisors

Auditor Name Deloitte & Touche LLP
Auditor Address 4 Brindleyplace, Birmingham B1 2HZ.
Auditor Website http://www.deloitte.com/
Auditor Telephone +44 (0)1216 326 000
Registrar Name Computershare Investor Service
Registrar Address The Pavillions, Bridgwater Road, Bristol BS99 1XZ.
Registrar Website http://www-uk.computershare.com/
Registrar Telephone 0870 702 0010
Broker Name UBS Investment Bank
Broker Address 1 Finsbury Avenue, London EC2M 2PP.
Broker Website http://www.ibb.ubs.com/
Broker Telephone +44 (0)20 7567 8000
Adviser Name n/a
Adviser Address n/a
Adviser Website n/a
Adviser Telephone n/a
Solicitor Name Slaughter & May
Solicitor Address One Bunhill Row, London EC1Y 8YY.
Solicitor Website http://www.slaughterandmay.com/
Solicitor Telephone +44 (0)20 7600 1200
Stockbroker Name Jefferies Hoare Govett
Stockbroker Address Vintners Place, 68 Upper Thames Street, London EC4V 3BJ.
Stockbroker Website http://www.jefferies.com/
Stockbroker Telephone +44 (0)20 7029 8000