Paragon Banking Group PLC (LON:PAG)

Paragon Banking Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest and Dividend Income	1,307	1,315	1,011	545.7	443.5	491.7
Total Interest Expense	810.7	826.4	576.4	146.6	125	211.2
Net Interest Income	495.8	488.3	434.2	399.1	318.5	280.5
Gain (Loss) on Sale of Investments	-	-	-	4.6	-	-
Other Revenue	32.5	37.4	38.9	37.2	31.3	33.2
Revenue Before Loan Losses	528.3	525.7	473.1	440.9	349.8	313.7
Provision for Loan Losses	29.5	24.5	18	14	-4.7	48.3
Revenue	498.8	501.2	455.1	426.9	354.5	265.4
Revenue Growth (YoY)	-14.47%	10.13%	6.61%	20.42%	33.57%	-16.12%
Salaries & Employee Benefits	-	-	-	0.2	0.3	0.4
Cost of Services Provided	197.8	203.4	187.6	173	152.3	143
Other Operating Expenses	8	0.9	1.2	1	1.4	2
Total Operating Expenses	205.8	204.3	188.8	174.2	154	145.4
Operating Income	293	296.9	266.3	252.7	200.5	120
EBT Excluding Unusual Items	283.3	253.8	204.5	417.9	213.7	118.4
Restructuring Charges	-	-	-4.6	-	-	-
Pretax Income	283.3	253.8	199.9	417.9	213.7	118.4
Income Tax Expense	78.4	67.8	46	104.3	49.2	27.1
Net Income	204.9	186	153.9	313.6	164.5	91.3
Net Income to Common	204.9	186	153.9	313.6	164.5	91.3
Net Income Growth	3.54%	20.86%	-50.92%	90.64%	80.17%	-28.34%
Shares Outstanding (Basic)	204	210	224	243	252	254
Shares Outstanding (Diluted)	212	218	232	249	261	256
Shares Change (YoY)	-4.76%	-5.90%	-6.83%	-4.63%	1.99%	-3.10%
EPS (Basic)	1.00	0.89	0.69	1.29	0.65	0.36
EPS (Diluted)	0.97	0.85	0.66	1.26	0.63	0.36
EPS Growth	8.73%	28.51%	-47.34%	99.84%	76.97%	-26.14%
Free Cash Flow	444.6	2,216	2,170	1,167	876.2	1,027
Free Cash Flow Per Share	2.10	10.14	9.35	4.69	3.35	4.01
Dividend Per Share	0.408	0.404	0.374	0.286	0.261	0.144
Dividend Growth	3.03%	8.02%	30.77%	9.58%	81.25%	-32.07%
Operating Margin	58.74%	59.24%	58.51%	59.19%	56.56%	45.21%
Profit Margin	41.08%	37.11%	33.82%	73.46%	46.40%	34.40%
Free Cash Flow Margin	89.13%	442.04%	476.84%	273.46%	247.16%	386.89%
Effective Tax Rate	27.67%	26.71%	23.01%	24.96%	23.02%	22.89%

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