Investor Relations

We provide finance to a broad and diverse range of customer segments, each of which value the flexibility, speed and certainty we deliver. 

 

Read the latest information on Shawbrook Group, our strategy and financial performance.

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View our H1 2026 Results

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View our H1 2026 Results Investor Presentation

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View our August 2026 Consensus

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H1 2026 Results

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“We delivered a strong first half, with underlying profit before tax up 16% to £195.5 million and an underlying return on tangible equity of 18.1%. These results reinforce our confidence in meeting our FY 2026 guidance.“

Marcelino Castrillo
Chief Executive Officer

"H1 2026 has been a period of disciplined financial execution with underlying return on tangible equity of 18.1% and a CET1 ratio of 13.0%, up c.60bps from December 2025. Underlying basic earnings per share grew by c.15% to 26.5p, while our cost to income ratio fell to 36.4%, continuing its downward trajectory and demonstrating the efficient growth our platform is able to consistently generate. The performance reported today gives us momentum and confidence to deliver both our FY 2026 and medium-term guidance, which remain unchanged.”

Dylan Minto 
Chief Financial Officer

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Latest news & enquiries

Details on how to subscribe to the latest news and how to contact us for Investor or Media enquiries

Subscribe to our Investor Relations news to receive updates here.

For investor enquiries, please contact: Murray Long, Head of Investor Relations IR@shawbrook.co.uk

For Company enquiries, please contact our Company Secretary CompanySecretary@shawbrook.co.uk

For media enquiries, please contact: Teneo shawbrook@teneo.com

Financial Calendar

Key dates from our financial calendar

12 November 2026

Q3 2026 Trading update

Our Strategy

Our strategy is underpinned by five strategic advantages that differentiate our business and support consistent performance. Together, they create a resilient and scalable specialist banking model, enabling us to deploy capital selectively, manage risk through the cycle, and deliver sustainable shareholder returns.

  • Diversified markets
    Broad total addressable market (TAM) across 4 core segments, enabling flexible capital deployment and creating multiple opportunities
  • Specialist at scale
    Specialist lending delivered through a multi-brand portfolio and broad distribution channels
  • Technology-enabled
    Technology and data-enabled platform enhances customer experiences and supports operating leverage
  • Credit discipline
    Disciplined underwriting and forward-looking risk management delivering stable cost of risk across varying macroeconomic conditions
  • Entrepreneurial culture
    Experienced management team and entrepreneurial culture, creating long-term value through organic and disciplined, value-accretive M&A
 Strategy

 

A specialist lending business model

Delivering resilient returns through the cycle

Our differentiated proposition supports strong demand and attractive margins, funded efficiently through our deposit platform. Data-led risk management, scalable technology and disciplined capital allocation underpin resilient growth and the consistent delivery of sustainable, attractive risk-adjusted returns.

Our Business Model

Our markets: Commercial

We support established and fast-growth SMEs with a wide range of finance solutions, as well as offering a diverse range of buy-to-let, commercial and bridging loan products to experienced professional landlords and property investors.

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Explore SME Explore Real Estate

Our markets: Retail

We provide owner-occupied mortgages to individual homeowners with more complex income and credit profiles, including the self-employed and entrepreneurs, as well as buy-to-let mortgages for professional landlords. In addition, we also offer specialist motor finance in the mass market and high-end luxury segments.

We also offer a wide range of personal and business savings products, including fixed and easy access cash ISAs, and easy access notice and fixed-term accounts.

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Retail Mortgage Brands

Provides specialist residential mortgages to those with non-traditional and complex income and credit profiles, including the self-employed and entrepreneurs, as well as buy-to-let mortgages for professional landlords.

Motor Finance

We provide specialist motor finance for high-end vehicles, predominantly supporting entrepreneurs and high-income professionals. 

 

Savings

Our savings proposition supports our ability to build a loyal customer base by fostering trust-based relationships and delivering long-term value. Our offering is underpinned by a digital platform that leverages advanced data capabilities to provide a seamless service.

Our Brands

Our sustainability strategy

Focusing on those areas in which we can deliver the greatest impact

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Empowering our People

Our high‑performance and entrepreneurial culture drives innovation, resilience and sustainable growth.

  1. Strengthening an entrepreneurial culture that drives ownership and accountability at every level.
  2. Continue building an inclusive environment that attracts and retains exceptional talent. 
Empowering our People
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Strengthening Society

We make a positive difference in the communities where our people, customers and stakeholders live and work.

  1. Driving economic opportunity and resilience by widening access to finance for current and future customers.
  2. Maximising measurable social impact beyond lending.
Strengthening Society
Forest Canopy

Sustainable Future

By taking a long-term view, we play our part in creating a sustainable future for our business, our economy and our environment.

  1. Protecting financial resilience by addressing climate and nature-related risks and opportunities.
  2. Continue evolving and embedding responsible business practices and robust governance.
Sustainable Future

IPO

Shawbrook Group plc was admitted to the London Stock Exchange Main Market on November 04, 2025.

IPO information