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PAG Stock Chart & Stats
815.50 p
4.00 p(0.49%)
At close: 4:00 PM EDT
815.50 p
4.00 p(0.49%)
Day’s Range― - ―
52-Week Range681.50 p - 930.00 p
Previous CloseN/A
Volume166.54K
Average Volume (3M)354.48K
Market Cap
£1.48B
Enterprise Value2.33B
Total Cash (Recent Filing)£1.64B
Total Debt (Recent Filing)£2.54B
Price to Earnings (P/E)8.9
Beta1.42
Next Earnings
Dec 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.56%
Share Statistics
EPS (TTM)0.92
Shares Outstanding184,394,200
10 Day Avg. Volume291,721
30 Day Avg. Volume354,483
Financial Highlights & Ratios
PEG Ratio4.24
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
£1,040.00Price Target Upside27.53% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.09
Revenue Forecast (FY)£512.02M
Bulls Say, Bears Say
Bulls Say
Profitability / Margin SustainabilityParagon reported sustained mid-teens net margins and roughly 20% operating margins in the latest annual period, reflecting durable lending economics. For a specialist lender, these margins support internal capital generation and reinvestment over multiple years, underpinning long-term earnings power.
Cash Generation / Earnings QualityFree cash flow tracking net income closely indicates high cash conversion and earnings quality. This reliable cash generation supports dividends, loan book growth or buffer for provisioning, giving the bank structural ability to fund operations without heavy reliance on external equity over the medium term.
Focused Specialist Lending FranchiseParagon’s focused business model — buy-to-let and SME/commercial lending plus deposit gathering — creates niche expertise, repeatable origination and servicing economics. Specialist scale in these segments supports competitive advantage, underwriting knowledge and stable net interest income over time.
Bears Say
Rising Leverage / Balance Sheet RiskLeverage has increased materially year-over-year, raising structural funding and capital risk for a mortgage-focused lender. Higher debt-to-equity reduces financial flexibility, increases sensitivity to market funding strains and could constrain growth or require higher capital buffers over the medium term.
Revenue And Cash Flow VolatilityMarked swings in revenue and a sharp fall in operating/free cash flow undermine predictability of earnings and capital planning. For a bank reliant on recurring interest margins, such volatility complicates provisioning, dividend visibility and strategic investment decisions across multi-quarter horizons.
Concentration On Net Interest Income / Funding SensitivityHeavy reliance on net interest income and deposit/wholesale funding exposes Paragon to structural risks from rate cycles and deposit competition. If funding costs rise or loan repricing lags, margins compress and profitability can be pressured, a lasting vulnerability for the business model.
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 681.50 p and its highest was 930.00 p in the past 12 months.
What is Paragon Banking Group PLC’s market cap?
Paragon Banking Group PLC’s market cap is £1.48B.
When is Paragon Banking Group PLC’s upcoming earnings report date?
Paragon Banking Group PLC’s upcoming earnings report date is Dec 01, 2026 which is in 109 days.
How were Paragon Banking Group PLC’s earnings last quarter?
Paragon Banking Group PLC released its earnings results on Jun 02, 2026. The company reported 0.563 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.563 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 15.1 p which represents an annual dividend yield of 5.56%. 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 184,394,200 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 0.563 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.407%.
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
Strong Buy
Average Price Target:
£1,040.00 (27.53% Upside)
£1,040.00 (27.53% Upside)
Blogger Sentiment
Bullish
GB:PAG Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.11%
12-Months-Change
Fundamentals
Return on Equity
5.56%
Trailing 12-Months
Asset Growth
4.02%
Trailing 12-Months
Company Description
Paragon Banking Group PLC
Paragon Banking Group PLC is a leading provider of diverse financial solutions across the United Kingdom. The company's operations are structured into three distinct divisions: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgage Lending division specializes in property-backed finance, encompassing both buy-to-let mortgages for investors and owner-occupied residential loans, including first and second charges, along with related services. Meanwhile, Commercial Lending caters to businesses with a diverse suite of financial products, such as funding for small and medium-sized enterprises (SMEs), development finance for property projects, structured lending solutions, and vehicle financing. The Idem Capital segment's activities involve the acquisition and management of various credit assets, including equipment leases, motor finance agreements, residential mortgages, and unsecured personal loans. Furthermore, Idem Capital extends its expertise to managing loan portfolios on behalf of institutional clients like banks, private equity firms, and specialist lenders. Beyond its lending operations, Paragon Banking Group also offers a comprehensive range of savings accounts to household customers. Established in 1985, the company is headquartered in Solihull, United Kingdom. It adopted its current name, Paragon Banking Group PLC, in September 2017, having previously been known as The Paragon Group of Companies PLC.
PAG Stock 12 Month Forecast
Average Price Target
1,040.00 p
▲(27.53% Upside)
Technical Analysis
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