Paragon Banking Group PLC (GB:PAG)
LSE:PAG
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PAG Stock Chart & Stats
810.00 p
2.00 p(0.29%)
At close: 4:00 PM EST
810.00 p
2.00 p(0.29%)
Day’s Range― - ―
52-Week Range695.50 p - 981.00 p
Previous CloseN/A
Volume78.28K
Average Volume (3M)354.48K
Market Cap
£1.39B
Enterprise Value3.07B
Total Cash (Recent Filing)£0.00
Total Debt (Recent Filing)£1.71B
Price to Earnings (P/E)5.4
Beta1.45
Next Earnings
Jun 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.74%
Share Statistics
EPS (TTM)0.90
Shares Outstanding191,201,860
10 Day Avg. Volume291,721
30 Day Avg. Volume354,483
Financial Highlights & Ratios
PEG Ratio4.23
Price to Book (P/B)1.21
Price to Sales (P/S)1.38
P/FCF Ratio5.23
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£1,000.00Price Target Upside23.46% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.05
Revenue Forecast (FY)£506.32M
Bulls Say, Bears Say
Bulls Say
Specialist Lending Model Funded By Retail DepositsA focused business model—specialist buy-to-let, SME and related lending—combined with a retail deposit funding base creates durable net interest income generation. Deposit funding can be a lower‑cost, sticky source versus wholesale markets, supporting recurring profitability over cycles.
Consistent, Solid Profitability And ReturnsSustained operating and net margins alongside mid‑teens ROE indicate the business can generate meaningful economic returns on capital. These profitability levels support internal capital generation and the ability to absorb normal credit losses while funding growth from retained earnings.
Strong Cash Conversion Of Earnings To Free Cash FlowNear 1.0x cash conversion implies reported profits translate into real cash, underpinning dividend capacity and reinvestment. Reliable cash conversion reduces dependence on external financing for ordinary operations and supports long‑term financial resilience.
Bears Say
Rising Leverage And Greater Debt RelianceA sharp increase in debt-to-equity materially raises financial risk for a mortgage-focused lender. Higher leverage amplifies interest‑rate and funding shocks, constrains capital flexibility, and can increase regulatory capital or funding costs, reducing resilience through stress periods.
Extremely Volatile Revenue GrowthPronounced swings in revenue undermine predictability of net interest income and fee streams, complicating underwriting and capital planning. Persistent volatility weakens confidence in sustainable earnings power and makes multi‑period planning and provisioning harder.
Sharp Fall In Operating And Free Cash Flow In 2025A marked drop in operating and free cash flow reduces buffer for dividends, organic growth and capital cushions. Even with positive FCF overall, sudden declines raise the risk the bank must pay up for deposits or access costlier wholesale funding in weak periods.
Paragon Banking Group PLC News
PAG FAQ
What was Paragon Banking Group PLC’s price range in the past 12 months?
Paragon Banking Group PLC lowest share price was 695.50 p and its highest was 981.00 p in the past 12 months.
What is Paragon Banking Group PLC’s market cap?
Paragon Banking Group PLC’s market cap is £1.39B.
When is Paragon Banking Group PLC’s upcoming earnings report date?
Paragon Banking Group PLC’s upcoming earnings report date is Jun 02, 2026 which is in 13 days.
How were Paragon Banking Group PLC’s earnings last quarter?
Paragon Banking Group PLC released its earnings results on Dec 03, 2025. The company reported 0.55 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.55 p.
Is Paragon Banking Group PLC overvalued?
According to Wall Street analysts Paragon Banking Group PLC’s price is currently Undervalued.
Does Paragon Banking Group PLC pay dividends?
Paragon Banking Group PLC pays a Semiannually dividend of 30.3 p which represents an annual dividend yield of 4.74%. See more information on Paragon Banking Group PLC dividends here
What is Paragon Banking Group PLC’s EPS estimate?
Paragon Banking Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Paragon Banking Group PLC have?
Paragon Banking Group PLC has 191,201,860 shares outstanding.
What happened to Paragon Banking Group PLC’s price movement after its last earnings report?
Paragon Banking Group PLC reported an EPS of 0.55 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -6.868%.
Which hedge fund is a major shareholder of Paragon Banking Group PLC?
Currently, no hedge funds are holding shares in GB:PAG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Paragon Banking Group PLC Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
£1,000.00 (23.46% Upside)
£1,000.00 (23.46% Upside)
Blogger Sentiment
Bullish
GB:PAG Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth £1.3M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.11%
12-Months-Change
Fundamentals
Return on Equity
12.75%
Trailing 12-Months
Asset Growth
3.42%
Trailing 12-Months
Company Description
Paragon Banking Group PLC
Paragon Banking Group PLC provides financial services in the United Kingdom. It operates through three segments: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgages Lending segment offers buy-to-let, owner-occupied first and second charge lending, and related activities. The Commercial Lending segment provides SME lending, development finance, structured lending, and motor finance services. The Idem Capital segment engages in the acquisition and servicing of products, such as leases, motor finance agreements, mortgages, and unsecured loans; and offers servicing of loan portfolios for clients, including banks, private equity houses, and specialist lenders. It also provides a range of savings products to households. The company was formerly known as The Paragon Group of Companies PLC and changed its name to Paragon Banking Group PLC in September 2017. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.
PAG Stock 12 Month Forecast
Average Price Target
1,000.00 p
▲(23.46% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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