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Paragon Banking Group
Paragon Banking Group (PAG) investor relations material
Paragon Banking Group Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary27 Jan, 2026
Executive summary
Trading performance for Q1 FY26 was in line with Board expectations, with full-year guidance reiterated.
Strong operating performance driven by digitalisation and robust lending volumes.
Financial highlights
Total lending increased 6.9% year-over-year to £724.0 million.
Net loan balances grew 3.9% to £16.5 billion compared to December 2024.
Buy-to-let lending rose 0.4% to £425.0 million; commercial lending advances up 17.6% to £299.0 million.
Buy-to-let pipeline ended the quarter at £722.2 million, up 4.4% year-over-year.
Buy-to-let redemptions annualised at 8.2%, up from 7.7% in Q1 2025.
Outlook and guidance
FY26 guidance for net interest margin, new business volumes, operating costs, and ROTE remain unchanged.
Buy-to-let lending volume guidance: £1.5–£1.7 billion; commercial lending: £1.2–£1.4 billion.
Net interest margin expected at 2.9% to 3.0%; operating expenses below £190 million.
Underlying ROTE guidance in the mid 15–20% range.
Detail funding diversification beyond retail deposits
What caused the Development Finance pipeline drop?
Future capital allocation strategy after buy-back?
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Next Paragon Banking Group earnings date
Q2 20262 Jun, 2026
Paragon Banking Group
Next Paragon Banking Group earnings date
Q2 20262 Jun, 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.
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