PAG - Ticker AI Digest

Paragon Banking Group PLC 📰 1
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Today's Catalysts (PAG) 1
PAG 16:46
Paragon Banking Group PLC
Transaction in Own Shares
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DirectorDealing 2
PAG 10:28
Paragon Banking Group PLC
Director/PDMR Shareholding
PAG 13:47
Paragon Banking Group PLC
Director/PDMR Shareholding
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<mark style="background-coloryellow">Purchase</mark> of shares, pursuant to the Companys discretionary annual bonus arrangements.
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Results 1
PAG 06:01
Paragon Banking Group PLC
Final Results
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**Summary**
Paragon Banking Group PLC announced its strong full-year results for 2025, highlighting a 17.5% underlying Return on Tangible Equity (RoTE), an 8.7% increase in dividends, and a new £50 million share buy-back program for FY26. The group reported record underlying earnings per share (EPS) of 109.7p, a 4.0% growth in its net loan book to £16.3 billion, and maintained a robust capital position with a CET1 ratio of 13.6%.
Key financial achievements include
Underlying basic EPS up 8.5% to 109.7p.
Operating profit before adjusting items slightly increased to £293.9 million.
Pre-provision profits rose 5.9% to £335.8 million.
Statutory profit before tax grew 1.1% to £256.5 million.
Net interest margin of 3.13%ahead of expectations.
Cost efficiency improved with a costincome ratio of 34.8%.
Operationally, Paragon made significant strides in digital transformation, launching its app-based savings brand "Spring" and a digital buy-to-let origination platform. Spring attracted over £600 million in balances by November 2025. Total new lending reached £2.68 billion, with mortgage and commercial lending showing steady growth.
The group also issued its inaugural £500 million AAA-rated Regulated Covered Bond, underscoring its strong liquidity and market confidence. Despite a rise in cost-of-risk to 26 basis points, Paragon remains well-capitalized and positioned for sustainable growth in its specialist markets.
CEO Nigel Terrington emphasized the group’s resilience, digital advancements, and strategic focus, expressing optimism for continued success despite external uncertainties. The final dividend for 2025 was set at 30.3 pence per share, with payment scheduled for March 6, 2026.
Below is the HTML table code comparing the financials and debt year-on-year based on the provided text:
Metric20242025Change
Underlying Basic EPS (pence)101.1p109.7p+8.5%
Underlying Return on Tangible Equity (RoTE)17.2%17.5%+0.3%
Operating Profit Before Adjusting Items (£ million)£292.7m£293.9m+0.4%
Pre-Provision Profits (£ million)£317.2m£335.8m+5.9%
Statutory Profit Before Tax (£ million)£253.8m£256.5m+1.1%
Statutory Basic EPS (pence)88.5p91.2p+3.1%
Net Loan Book (£ billion)£15.7bn£16.3bn+4.0%
Net Interest Margin3.16%3.13%-0.03%
Cost:Income Ratio36.1%34.8%-1.3%
Cost-of-Risk (basis points)16bps26bps+10bps
CET1 Ratio14.2%13.6%-0.6%
Tangible Net Asset Value per Share (£)£6.11£6.55+7.2%
Total Dividend per Share (pence)40.4p43.9p+8.7%
### Notes: 1. **Debt** is not explicitly mentioned in the provided text, so the table focuses on financials. 2. The table includes key metrics with year-on-year comparisons and percentage changes where applicable. 3. Currency and units are retained as per the original text for consistency.
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All Market News (Last 30 Days) 9
PAG 16:46
Paragon Banking Group PLC
Transaction in Own Shares
PAG 16:44
Paragon Banking Group PLC
Transaction in Own Shares
PAG 17:12
Paragon Banking Group PLC
Transaction in Own Shares
PAG 10:28
Paragon Banking Group PLC
Director/PDMR Shareholding
PAG 16:46
Paragon Banking Group PLC
Transaction in Own Shares
PAG 13:47
Paragon Banking Group PLC
Director/PDMR Shareholding
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
<mark style="background-coloryellow">Purchase</mark> of shares, pursuant to the Companys discretionary annual bonus arrangements.
PAG 06:01
Paragon Banking Group PLC
Final Results
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Paragon Banking Group PLC announced its strong full-year results for 2025, highlighting a 17.5% underlying Return on Tangible Equity (RoTE), an 8.7% increase in dividends, and a new £50 million share buy-back program for FY26. The group reported record underlying earnings per share (EPS) of 109.7p, a 4.0% growth in its net loan book to £16.3 billion, and maintained a robust capital position with a CET1 ratio of 13.6%.
Key financial achievements include
Underlying basic EPS up 8.5% to 109.7p.
Operating profit before adjusting items slightly increased to £293.9 million.
Pre-provision profits rose 5.9% to £335.8 million.
Statutory profit before tax grew 1.1% to £256.5 million.
Net interest margin of 3.13%ahead of expectations.
Cost efficiency improved with a costincome ratio of 34.8%.
Operationally, Paragon made significant strides in digital transformation, launching its app-based savings brand "Spring" and a digital buy-to-let origination platform. Spring attracted over £600 million in balances by November 2025. Total new lending reached £2.68 billion, with mortgage and commercial lending showing steady growth.
The group also issued its inaugural £500 million AAA-rated Regulated Covered Bond, underscoring its strong liquidity and market confidence. Despite a rise in cost-of-risk to 26 basis points, Paragon remains well-capitalized and positioned for sustainable growth in its specialist markets.
CEO Nigel Terrington emphasized the group’s resilience, digital advancements, and strategic focus, expressing optimism for continued success despite external uncertainties. The final dividend for 2025 was set at 30.3 pence per share, with payment scheduled for March 6, 2026.
Below is the HTML table code comparing the financials and debt year-on-year based on the provided text:
Metric20242025Change
Underlying Basic EPS (pence)101.1p109.7p+8.5%
Underlying Return on Tangible Equity (RoTE)17.2%17.5%+0.3%
Operating Profit Before Adjusting Items (£ million)£292.7m£293.9m+0.4%
Pre-Provision Profits (£ million)£317.2m£335.8m+5.9%
Statutory Profit Before Tax (£ million)£253.8m£256.5m+1.1%
Statutory Basic EPS (pence)88.5p91.2p+3.1%
Net Loan Book (£ billion)£15.7bn£16.3bn+4.0%
Net Interest Margin3.16%3.13%-0.03%
Cost:Income Ratio36.1%34.8%-1.3%
Cost-of-Risk (basis points)16bps26bps+10bps
CET1 Ratio14.2%13.6%-0.6%
Tangible Net Asset Value per Share (£)£6.11£6.55+7.2%
Total Dividend per Share (pence)40.4p43.9p+8.7%
### Notes: 1. **Debt** is not explicitly mentioned in the provided text, so the table focuses on financials. 2. The table includes key metrics with year-on-year comparisons and percentage changes where applicable. 3. Currency and units are retained as per the original text for consistency.
PAG 16:01
Paragon Banking Group PLC
Block listing Interim Review
PAG 08:12
Paragon Banking Group PLC
Total Voting Rights

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for PAG.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2025-12-11 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Paragon Banking Group PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
16:46 Today's Catalyst Transaction in Own Shares
Single-Ticker Today's AI
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This is the ticker-specific Today’s AI desk for Paragon Banking Group PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
1.4B
Enterprise Value
4.6B
Public Float
95.6
Broker Target
1032.545
Shares Out
184.8M
Long Interest
63
Short Interest
37
Exchange
LSE
Currency Code
GBX
ISIN
GB00B2NGPM57
Market
LSE - MAIN MARKET
Sector
Finance and Credit Services
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for PAG.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2025-12-11 Forecastist Below
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1 Alerts
Front Of Desk
Paragon Banking Group PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
16:46 Today's Alert Transaction in Own Shares
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.44
Ex Divi
2026-02-05
Earnings Date
2026-06-02
Net Debt
1.7B
Cash
2.4B
EPS
0.88
Net Income
180.3M
Revenue
1.2B
Enterprise Value
4.6B
Trailing PE
8.4943
Forward PE
6.6401
Price Sales TTM
2.7316
Price Book MRQ
0.9486
EV Revenue
3.7893
EV EBITDA
-
Financial Forecastist

Worsening financial engine

Revenue is stable +0.2% against the prior comparable period. Net margin is compressing by 6.2 pts. Net debt is coming down +163.2%.

Revenue +0.2% Net Income -31.5% FCF -50.1% Current Ratio 0.28x Forward Rev 0
Worsening
Quarter Revenue
594.0M
+0.2%
vs prior comparable quarter
Net Margin
+13.4%
-6.2 pts
profitability pulse
Free Cash Flow
169.5M
-50.1%
cash conversion
Net Debt / EBITDA
14.4x
-163.2%
lower is cleaner
Revenue Engine

Latest quarter printed 594.0M with the top line stable against the last comparable period.

Profit Stack

Net income landed at 79.5M and the margin profile is tightening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 2.4B while net debt is 1.7B. The leverage stack is cleaning up.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q4 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2025
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
509.1M
Revenue Path
1.10
EPS / Earnings
Growth cue +0.0%
FY 2027
Consensus
529.6M
Revenue Path
1.22
EPS / Earnings
Growth cue +0.1%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q3 2025 594.0M 79.5M 169.5M 1.7B
Q1 2025 248.6M 100.8M -655.8M -716.2M
Q3 2024 307.0M 104.1M 43.0M -1.5B
Q1 2024 194.2M 81.9M 1.1B -928.2M
Q3 2023 593.0M 116.0M 339.8M -2.7B
Q1 2023 445.4M 37.9M -68.4M -1.4B

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 1.2B 180.3M 272.3M 327.8M
FY 2024 501.2M 186.0M 260.4M 2.2B
FY 2023 455.1M 153.9M 207.5M 2.2B
FY 2022 779.4M 313.6M 423.4M 1.2B
FY 2021 354.5M 164.5M 220.0M 873.8M

Structure DNA

Market Structure DNA

Income Anchor profile with trend mixed

Price is 45.2% through the 52-week range, +2.0% vs 50DMA and -4.8% vs 200DMA. 87.4% of the register is locked by institutions and insiders, leaving 12.6% free float. Capital rhythm reads semi-annual with forward yield near 5.4% and payout around 46.4%.

Trend mixed Institutional gravity Reliable income rhythm As Of 2026-04-19
Income Anchor
Structure Score
69.2 / 100
Income Anchor
Trend Stack
+2.0% / -4.8%
vs 50DMA / 200DMA
52W Position
45.2%
auction position inside the yearly range
Ownership Lock
87.4%
83.6% institutions | 3.8% insiders
Pressure Pocket
12.6% free float
Vendor short-float fields were not supplied
Capital Rhythm
Semi-Annual
Yield 5.4% | payout 46.4%
Trend Runway

Implied spot is 810.00 with the stock +2.0% vs 50DMA and -4.8% vs 200DMA. The tape is sitting 45.2% through the 52-week range, which frames the regime as trend mixed.

Ownership Register

Institutions hold about 83.6% and insiders about 3.8%, locking roughly 87.4% of the register and leaving 12.6% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads semi-annual with 2 event(s) in the last full year, a five-year average of 2.0, and stability score 100.0/100. Forward yield sits near 5.4% while payout is around 46.4%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2026 1 Current partial year
2025 2 Full year
2024 2 Full year
2023 2 Full year
2022 2 Full year
2021 2 Full year
2020 1 Full year
2019 2 Full year

Structure Facts

Live Snapshot
Implied Spot
810.00
derived from market cap / shares
52W High
948.59
upper auction edge
52W Low
695.50
lower auction edge
Beta
1.21
volatility character
Shares Out
184.8M
fully diluted count
Shares Float
176.7M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-02-05
-73 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
1:10
2008-01-29

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
9.6209
Institutions As Of
2025-10-03
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
11
Sale Director Dealing
5
Purchase TR1
11
Sale TR1
3
Broker Coverage Rows
8
Institution Holders Tracked
2
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for PAG, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2025-12-11 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Paragon Banking Group PLC has fresh news flow live now, so the tape is framing the chart workspace below.
16:46 Today's Catalyst Transaction in Own Shares
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PAG Price History
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30 Day View Window 30D Data 2025-12-11 Open Preview Studio Brief
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The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.

Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

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Indicators0
Technicals0
AI Forecast -4.57%
RSI Gauge
Price Change
AI Forecast