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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Paragon Banking Group
Paragon Banking Group (PAG) investor relations material
Paragon Banking Group Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary29 Jul, 2026
Executive summary
Strong trading performance continues, with new growth opportunities and robust credit quality supporting margins and operating leverage.
Full-year guidance for FY26 is reaffirmed, with the business well positioned for further growth in FY27.
Operational model simplified and capital position enhanced following the disposal of the SFS business.
Financial highlights
Aggregate new advances for the nine months to June rose 4.3% year-over-year to £2.06 billion.
Net loan book grew 3.0% over twelve months; underlying growth rate was 6.1% excluding legacy portfolio run-off.
Mortgage advances up 1.2% year-over-year to £1.12 billion; Commercial Lending volumes up 8.2% to £0.94 billion.
Buy-to-let annualised redemption rate at 8.1% for the first nine months.
Outlook and guidance
FY26 guidance unchanged: Mortgage Lending advances at lower end of £1.5–£1.7 billion, Commercial Lending £1.2–£1.4 billion.
Net interest margin expected around 300 basis points; operating expenses around £185 million.
Return on tangible equity (ROTE) in mid 15–20% range; share buy-backs up to £100 million.
Full-year results to be released on 1 December 2026.
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Latest events from Paragon Banking Group
- Loan book growth, resilient margins, and capital strength offset higher impairments.PAG
H1 2026 - Q1 FY26 saw robust lending growth, strong capital, and full-year guidance reaffirmed.PAGQ1 2026 TU
- EPS up 8.5%, ROTE at 17.5%, with strong loan growth and digital transformation.PAGH2 2025
- Loan balances rose 4.8% year-over-year, with strong deposit growth from the Spring App launch.PAGQ3 2025 TU
- Record profit, strong loan and deposit growth, and digitalisation drive upgraded FY25 outlook.PAGH2 2024
- Strong Q3 growth, robust credit, and full-year guidance reconfirmed amid favorable conditions.PAGQ3 2024 TU
- Strong profit growth, upgraded guidance, and capital returns highlight H1 2024 momentum.PAGH1 2024
- Lending growth, robust margins, and strong capital support full-year guidance reiteration.PAGQ1 2025 TU
- Strong H1 2025 results, digital advances, and capital strength drive upgraded outlook.PAGH1 2025
Next Paragon Banking Group earnings date
Q4 20261 Dec, 2026
Paragon Banking Group
Next Paragon Banking Group earnings date
Q4 20261 Dec, 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.