London · Delayed Price · Currency is GBP · Price in GBX Paragon Banking Group Earnings Call Transcripts
Fiscal Year 2025
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Underlying profits and EPS grew strongly in FY2025, supported by disciplined loan growth, cost control, and high customer retention. Guidance for FY26 anticipates stable NIM, increased operating costs, and continued product innovation, with robust capital and funding positions.
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Strong H1 2025 results with underlying profit, EPS, and ROTE all up year-on-year, supported by resilient margins, disciplined cost control, and robust loan book growth. Digital innovation and funding diversification, including the launch of Spring, underpin a positive outlook and upgraded guidance.
Fiscal Year 2024
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Record operating profit, strong loan and deposit growth, and robust capital position were achieved, with all guidance metrics met or exceeded. Diversification and technology investments drove performance, and upgraded 2025 guidance reflects strong momentum and improved pipelines.
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H1 2024 saw robust profit growth, strong capital generation, and improved NIM, with all key metrics at or above expectations. Loan and deposit books grew ahead of forecasts, and guidance for the year was raised, supported by resilient credit quality and ongoing tech investment.