Paragon Banking Group PLC (LON:PAG)

Paragon Banking Group Income Statement

Financials in millions GBP. Fiscal year is October - September.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest and Dividend Income	1,249	1,315	1,011	545.7	443.5
Total Interest Expense	739.8	826.7	576.7	146.6	125
Net Interest Income	509.2	488	433.9	399.1	318.5
Gain (Loss) on Sale of Investments	-	-	-	4.6	-
Other Revenue	38.4	37.4	38.9	37.2	31.3
Revenue Before Loan Losses	547.6	525.4	472.8	440.9	349.8
Provision for Loan Losses	41.9	24.5	18	14	-4.7
Revenue	505.7	500.9	454.8	426.9	354.5
Revenue Growth (YoY)	0.96%	10.14%	6.54%	20.42%	33.57%
Salaries & Employee Benefits	-	-	-	0.2	0.3
Cost of Services Provided	204.9	203.4	187.6	173	152.3
Other Operating Expenses	26	0.6	0.9	1	1.4
Total Operating Expenses	230.9	204	188.5	174.2	154
Operating Income	274.8	296.9	266.3	252.7	200.5
EBT Excluding Unusual Items	256.5	253.8	204.5	417.9	213.7
Restructuring Charges	-	-	-4.6	-	-
Pretax Income	256.5	253.8	199.9	417.9	213.7
Income Tax Expense	76.2	67.8	46	104.3	49.2
Net Income	180.3	186	153.9	313.6	164.5
Net Income to Common	180.3	186	153.9	313.6	164.5
Net Income Growth	-3.06%	20.86%	-50.92%	90.64%	80.17%
Shares Outstanding (Basic)	198	210	224	243	252
Shares Outstanding (Diluted)	218	218	232	249	261
Shares Change (YoY)	-	-5.90%	-6.83%	-4.63%	1.99%
EPS (Basic)	0.91	0.89	0.69	1.29	0.65
EPS (Diluted)	0.88	0.85	0.66	1.26	0.63
EPS Growth	3.17%	28.51%	-47.34%	99.84%	76.97%
Free Cash Flow	-378.7	2,216	2,170	1,167	876.2
Free Cash Flow Per Share	-1.73	10.14	9.35	4.69	3.35
Dividend Per Share	0.439	0.404	0.374	0.286	0.261
Dividend Growth	8.66%	8.02%	30.77%	9.58%	81.25%
Operating Margin	54.34%	59.27%	58.55%	59.19%	56.56%
Profit Margin	35.65%	37.13%	33.84%	73.46%	46.40%
Free Cash Flow Margin	-74.89%	442.30%	477.16%	273.46%	247.16%
Effective Tax Rate	29.71%	26.71%	23.01%	24.96%	23.02%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.