)
Visual21 Nov 2025
Data center suppliers
Shawbrook Group (SHAW) investor relations material
Shawbrook Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary13 Nov, 2025
Executive summary
Achieved continued growth in diversified lending and deposit franchise, supported by disciplined execution and a resilient balance sheet.
Completed strategic acquisition of ThinCats, adding £0.6 billion to the loan book and accelerating SME lending expansion.
Admitted to trading on the Main Market of the London Stock Exchange, marking a significant milestone for future growth.
Financial highlights
Loan book increased to £18.25 billion as of 30 September 2025, up from £15.93 billion at year-end 2024; annualised growth rate of 19%.
Deposit book grew 15% annualised to £17.58 billion from £15.80 billion at year-end 2024.
Credit quality stable: cost of risk at 45bps (FY 2024: 47bps), arrears ratio at 1.9% (FY 2024: 1.7%).
Adjusted underlying return on tangible equity at 17.8% (FY 2024: 17.5%).
CET1 capital ratio at 12.6% (31 Dec 2024: 13.0%), total capital ratio at 15.1% (31 Dec 2024: 15.9%).
Outlook and guidance
Medium-term targets: loan book growth in low double digits per annum, underlying cost to income ratio in mid-30s, profit before tax growth in mid-to-high teens per annum, adjusted return on tangible equity in high teens, CET1 ratio between 12.0% and 13.0%.
Plans to initiate a maiden dividend in FY 2026, with a progressive policy thereafter.
ThinCats acquisition's impact on SME strategy
Manage CET1 ratio within target range
Basis for immaterial motor finance redress liability
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Shawbrook Group earnings date
Q4 202512 Mar, 2026
Next Shawbrook Group earnings date
Q4 202512 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage