Paragon Banking Group Key Statistics and Financial Information

Paragon Banking Group is a leading specialist lending business in the UK, with a strong focus on residential and commercial property finance.

Founded in 1985, Paragon has a rich history of innovation and growth.

The company is headquartered in London and has a significant presence in the UK's mortgage market.

Paragon's financial performance has been impressive, with a total loan book of £14.3 billion as of 2022.

Paragon Banking Group PLC is a United Kingdom-based specialist bank with a focus on customers in markets typically underserved by large high street banks.

The company operates through two segments: Mortgage Lending and Commercial Lending, offering a range of products including mortgages for landlords, loans for business customers, and motor finance to consumers.

Paragon's lending is funded by deposits from savings customers, together with wholesale funding, allowing it to cater to individuals and small businesses across the UK.

The company has an operational presence in the UK through its offices located in London and West Midlands, with its headquarters in Solihull, West Midlands.

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Paragon's lending products include mortgages for buy-to-let properties and loans for small and medium-sized enterprises (SMEs), as well as structured lending and motor finance.

Here are some key financial highlights of Paragon Banking Group PLC:

Paragon has a significant presence in the UK, with 1,440 employees and a registered office at 51 Homer Road, Solihull B91 3QJ, United Kingdom.

Paragon Banking Group has a significant presence in the UK mortgage market, with a portfolio of over 100,000 mortgages.

The group's focus on buy-to-let mortgages has helped it grow its mortgage book by 10% in the past year.

Paragon's mortgage assets account for the majority of its balance sheet, with a total of £13.8 billion at the end of 2020.

This substantial mortgage portfolio has contributed to the group's strong financial performance, with a 25% increase in profit before tax over the past year.

Expand your knowledge: Commercial Mortgages Rates

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The average change in stock price over the past year is a staggering +59.70%. This is a clear indication that the industry is growing and performing well.

Retail & mortgage banks have been leading the charge, with some notable performers including Paragon Banking Group PLC, which has seen a +16.52% change in stock price over the past year, and Capitec Bank Holdings Limited, which has experienced a +50.22% increase.

Here are some key statistics from the industry:

The weighted average by capitalization also reveals some interesting trends, with a +105.12% change in stock price over the past year. This suggests that larger companies in the industry are performing exceptionally well.

The Paragon Banking Group PLC saw significant growth in the United Kingdom market.

In the fiscal period of September 2020, sales in the UK were 265M.

The UK sales increased to 348M in 2021.

By 2022, the sales had reached 427M, a notable increase from the previous year.

Here's a breakdown of the UK sales over the years:

The Paragon Banking Group offers a range of products and services to cater to its customers' diverse needs.

At the core of their offerings are mortgage loans, personal loans, and unsecured loans, which provide financial assistance for various purposes.

Their e-banking service allows customers to manage their finances online, making it a convenient option for those who prefer digital banking.

Loan Portfolio Management and Loan Servicing are also part of their services, indicating their focus on managing and servicing loans for both customers and financial institutions.

Here is a summary of their products and services:

The Paragon Banking Group has reported strong financial performance over the years.

The group's net interest income has consistently exceeded £100 million since 2018, with a notable increase of £15 million in 2020.

This growth can be attributed to the group's strategic expansion and diversification of its loan book.

The group's return on equity has also been impressive, averaging around 15% since 2019, indicating a strong ability to generate profits from shareholder capital.

Understanding ICT spend and priorities is crucial for any financial institution, like Paragon Banking Group PLC. According to IT Client Prospector, they likely spend across various technology areas, which helps us grasp their digital strategy.

The intelligence provided by IT Client Prospector enables us to understand the company's technology spending, allowing for a more informed approach to financial analysis.

Check this out: Institute for Development and Research in Banking Technology

Let's take a closer look at the sales by activity of Paragon Banking Group PLC. Their mortgage lending has been steadily increasing, reaching 280 million in 2024. This is a significant growth from 171 million in 2020.

A notable trend in their sales is the increase in commercial lending, which rose from 70.3 million in 2020 to 140 million in 2023. However, it's worth noting that commercial lending dipped to 115 million in 2024.

Unallocated items have also seen a significant change, shifting from a negative 20.1 million in 2020 to a positive 76.2 million in 2024. This shift could indicate a more stable financial situation for the company.

Here's a breakdown of the sales by activity for Paragon Banking Group PLC:

At the helm of Paragon Banking Group is a seasoned leadership team with a proven track record of success.

Paragon's leadership team has a combined experience of over 100 years in the banking industry, with a strong focus on customer-centricity and community involvement.

The Group's governance structure is designed to ensure accountability and transparency, with a clear separation of powers between the Board of Directors and the Executive Team.

The Executive Committee is a crucial part of any organization, responsible for making key decisions and guiding the company's direction.

Nigel Terrington, the CEO, has been leading Paragon Banking Group PLC since 1994.

The committee consists of experienced professionals, with Richard Woodman serving as Director of Finance/CFO since 2014.

Zish Khan is the Chief Operating Officer, appointed in 2022.

Ciara Murphy is the Corporate Secretary, also appointed in 2022.

Nicola Foster has been handling Investor Relations since 2019.

Here is a brief overview of the Executive Committee members:

The Board of Directors Composition is a crucial aspect of a company's leadership and governance. The Paragon Banking Group PLC has a diverse and experienced board, with a range of ages and backgrounds.

Nigel Terrington, the longest-serving director, has been a part of the board since 1989. His extensive experience and tenure make him a valuable asset to the company.

The board also includes a mix of ages, with the youngest director, Tanvi Davda, being 53 years old, and the oldest, Barbara Ridpath, being 68 years old. This age range brings different perspectives and expertise to the table.

Robert East, the current Chairman, has been in the role since 2022. His leadership and guidance are essential to the board's decision-making process.

The board composition has changed over the years, with some directors joining in 2012, 2014, 2017, 2020, and 2022. This turnover brings new ideas and experiences to the board.

Here's a breakdown of the board's composition:

Paragon Banking Group is a UK-based bank that offers a range of financial services to personal and business customers.

The bank's shareholders are its owners, with a significant portion of shares held by institutional investors such as banks and investment firms.

Paragon Banking Group has a large number of shareholders, with over 20,000 individual investors holding shares in the company.

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The UK banking scene is quite crowded, with several big players vying for attention. Paragon Banking Group is one of them, but how does it stack up against its competitors?

Paragon Banking Group is headquartered in Solihull, England, which is a significant advantage in terms of operational efficiency. Its competitors, on the other hand, are based in London (Santander UK PLC and Metro Bank Holdings PLC), Chatham (OSB Group Plc), and Manchester (The Co-operative Bank Holdings Ltd).

The number of employees at Paragon Banking Group is relatively small, with 1,444 staff members. This is a stark contrast to Santander UK PLC, which has a massive 19,500 employees. The other competitors fall somewhere in between, with OSB Group Plc having 2,558 employees, Metro Bank Holdings PLC having 4,281 employees, and The Co-operative Bank Holdings Ltd having 3,406 employees.

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Here's a quick rundown of the key parameters for each competitor:

It's worth noting that the entity type of Paragon Banking Group is public, which means it is accountable to the public and subject to certain regulations.

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Paragon Banking Group has a long history dating back to 1985.

The bank's headquarters is located in London, England.

Paragon Banking Group is a specialist lender with a focus on property finance.

In 2025, Paragon Bank made significant strides in its business operations. They entered into a partnership with Alfa to launch a new Commercial Lending Transformation Program in February.

This partnership aimed to bring about a change in the way commercial lending is done. It's an exciting development that could have a positive impact on the industry.

One notable new product introduced by Paragon Bank in 2025 was the limited edition five-year fixed-rate buy-to-let mortgages. These mortgages offer a fixed interest rate for a set period, which can provide stability for investors.

Take a look at this: Commercial Mortgages

In the same year, Paragon Bank also relaunched its Double Access ISA account, providing customers with more options for their savings. The exact details of the relaunch are not specified, but it's likely to offer improved features and benefits.

Here are some key events from Paragon Bank's history:

The key statistics of the company are a great place to start when trying to understand its overall performance.

The current market value of the company is 1.56 billion GBP, which is a significant indicator of its size and scope.

The average volume of shares traded is 395.76k, which can give us an idea of how liquid the market is.

The shares outstanding total 204.60 million, which is a substantial number and can impact the company's stock price.

The free float is slightly lower at 198.92 million, which means that a significant portion of the shares are held by institutional investors or other large shareholders.

For another approach, see: Private Equity Market Trends

The price-to-earnings ratio (P/E) is 8.92, which can be a useful metric for investors to compare the company's stock price to its earnings.

Here's a summary of the key statistics:

The earnings per share (EPS) is 0.8535 GBP, which can be a useful metric for investors to assess the company's profitability.

The Paragon Banking Group is made up of several companies, each with its own unique offerings and strengths.

Paragon Bank Plc is a regional bank that provides a range of banking services, including savings accounts, car loans, personal loans, and mortgage solutions.

The company was founded in 1985 and is headquartered in Solihull, the United Kingdom.

Here's a list of some of the companies under the Paragon Banking Group:

Residual Interest Paragon Mortgages (No. 12) Plc provides mortgage financing services and is a private company located in the UK.