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Paragon Banking Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary3 Dec, 2025
Executive summary
Underlying operating profits reached £294 million, with EPS up 8.5% and return on tangible equity at 17.5% for FY2025, reflecting disciplined loan book growth, tight cost control, and resilient net interest margin.
Disciplined loan book growth of 4% year-over-year, with a 10-year CAGR of 5%.
Strategic focus on growth, diversification, digitalization, capital management, and sustainability continues to drive strong returns and platform for future growth.
Customer retention remains high, with 82% of maturing fixed-rate buy-to-let customers retained and 77% of fixed-rate savings maturities taking additional products.
Technology investments, including cloud migration and AI adoption, have improved customer experience, productivity, and data quality.
Financial highlights
Net interest income rose 4.0% to £502.3m; total operating income up 3.8% to £515.1m year-over-year.
Pre-provision profits rose 5.9% year-over-year to just under £336 million, driven by better-than-expected margins and cost controls.
Underlying operating profit increased 0.4% to £293.9m; profit before tax up 1.1% to £256.5m.
Cost-to-income ratio improved to 34.8%, and headcount is 10% below two years ago.
Dividend per share rose 8.7% to 43.9p, with a new £50 million buyback announced.
Outlook and guidance
FY26 guidance: Buy-to-let lending £1.5–1.7bn, commercial lending £1.2–1.4bn, NIM 290–300bps, opex under £190m, underlying ROTE mid 15–20% range.
Operating costs expected to rise to just under £190 million in FY26 as tech investments continue.
Property lending expected to improve as rates decline; margins to trend lower before resuming upward path.
Continued strong growth expected for Spring savings product and further product innovation.
Continued investment in technology and product suite expansion.
Bridge NIM from FY25 to FY26 guidance
Will banks pursue judicial review on motor CP?
Spring's strategic impact and future product scope
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Next Paragon Banking Group earnings date
Q1 2026 TU28 Jan, 2026
Next Paragon Banking Group earnings date
Q1 2026 TU28 Jan, 2026
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Frequently asked questions
Paragon Banking Group plc, formerly Paragon Banking Group PLC, is an independent bank in the United Kingdom. It operates through three segments: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgage Lending segment offers real estate lending services to consumers and businesses. The Commercial Lending segment provides financing to small businesses for working capital and fixed assets. The Idem Capital segment provides investment management services to individuals, institutions, endowments and foundations. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.
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