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UK specialist bank providing SME lending, property finance and consumer loans, funded by retail savings.
UK specialist bank providing SME lending, property finance and consumer loans, funded by retail savings.
Earns mainly from the spread between what it charges on loans, mostly secured on property or business assets, and what it pays savers on its savings accounts. It has no high-street branch network, and focuses on niches that larger banks serve less.
In one line: A UK specialist challenger bank.
Moat: narrow (process know-how, distribution). Specialist underwriting expertise in niche lending segments larger banks avoid.
Headquarters: Brentwood, UK · Founded: 2011
Size Shawbrook (SHAW.L) is a United Kingdom Financials company (Savings Banks) with a market value of $1.96B, the 160th largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £280.00 on 6 Nov 2026.
Performance Over six months the shares fell 12.5%, against +8.8% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — lowest of 20 in its peer set.
Growth Revenue grew 5.4% over the last twelve months (peer median +5.9%); the operating margin is 39.9% (peer median 43.9%).
Valuation It trades at 0.79× book value against a peer median of 1.14× (4th cheapest of 20).
Price implies The share price implies a return on equity of about 8.0%; Shawbrook delivers 12.2%, so the price asks less than the business earns today.
Next results Next results expected around 3 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | £1.54B | £1.48B | £1.43B | £1.17B | £659M |
| Revenue growth | — | +4% | +22% | +78% | — |
| Net income | £207M | £180M | £220M | £212M | £175M |
| Free cash flow | £515M | £461M | £212M | £350M | £512M |
| Capital expenditure | £24.0M | £18.6M | £24.7M | £15.4M | £9.90M |
| Total debt | n/a | £2.16B | £2.25B | £2.19B | £1.84B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Shawbrook SHAW.L | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% |
| OSB OSB.L | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% |
| Paragon Banking PAG.L | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% |
| Close Brothers CBG.L | $791M | -10% | -12% | -6% | 0.40× | 8.8% |
| Investec INVP.L | $7.34B | +3% | -4% | 12% | 0.96× | 12.9% |
| Secure Trust Bank STB.L | $330M | +4% | -8% | 6% | 0.65× | 8.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SHAW.L | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | 0.0% | +3.0% | 6th lowest of 21 |
| 6-month return | -12.5% | +8.8% | lowest of 20 |
| Return on equity | 12.2% | 10.0% | 6th highest of 20 |
| Price / book | 0.79× | 1.14× | 4th cheapest of 20 |
| Trailing P/E | 7.1× | 12.2× | 2nd cheapest of 20 |
| ROE the price implies | 8.0% | 9.2% | 8th least demanding of 20 |
| ROE delivered | 12.2% | 10.0% | 6th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |
| SpareBank 1 SMN MING.OL | Norway | $3.38B | +16% | -6% | 9% | 1.08× | 7.0% | 8.8% |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| WSFS Financial WSFS | United States | $3.99B | +10% | +2% | 12% | 1.53× | 12.4% | 12.4% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| TFS Financial TFSL | United States | $4.61B | +9% | +6% | 5% | 2.72× | 18.1% | 5.1% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |
| Hingham Institution for Savings HIFS | United States | $647M | +5% | +3% | 13% | 1.26× | 10.6% | 12.6% |
| Third Coast Bancshares TCBX | United States | $646M | +1% | +18% | 13% | 0.96× | 7.9% | 12.7% |
| Greene County Bancorp GCBC | United States | $615M | +51% | +8% | 17% | 2.15× | 12.5% | 16.7% |
| SpareBank 1 Ostfold Akershus SOAG.OL | Norway | $609M | -4% | +2% | 12% | 1.14× | 6.2% | 12.1% |
| Sparebanken More MORG.OL | Norway | $604M | -2% | -15% | 12% | 0.65× | 4.9% | 11.6% |
| Kearny Financial KRNY | United States | $585M | +10% | +1% | 5% | 0.77× | 6.8% | 4.9% |
| Ponce Financial PDLB | United States | $525M | +22% | +15% | 8% | 1.49× | 9.7% | 8.2% |