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
£1.44B
Enterprise Value3.11B
Total Cash (Recent Filing)£0.00
Total Debt (Recent Filing)£1.71B
Price to Earnings (P/E)5.4
Beta1.45
Next Earnings
Jun 09, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.74%
Share Statistics
EPS (TTM)0.55
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.08
Revenue Forecast (FY)£507.64M
Bulls Say, Bears Say
Bulls Say
Specialist Lending FranchiseParagon’s focused model serving professional/semi-professional landlords and SMEs creates a durable niche with underwriting expertise and product specialization. Funding via retail deposits supports stable net interest income and customer relationships that sustain recurring lending revenue over time.
Consistent Operating ProfitabilitySustained operating margins (~20%) and mid-teens net margins with ROE around 12–13% indicate persistent core profitability. These margins support internal capital generation, underwriting investment and dividend capacity, making earnings more resilient across typical market cycles.
Strong Cash ConversionFCF roughly matching net income signals high earnings quality and effective cash generation from lending operations. Reliable cash conversion supports dividend payments, regulatory capital build or targeted lending growth without immediate reliance on volatile wholesale funding.
Bears Say
Materially Higher LeverageDebt-to-equity rising sharply reduces financial flexibility and increases sensitivity to higher funding costs or rate shocks. For a mortgage-focused lender this elevates refinancing and regulatory capital risk, potentially forcing slower loan growth or higher pricing to preserve buffers.
Volatile Revenue And Cash FlowsMarked swings in revenue and a sharp fall in operating and free cash flow weaken predictability of earnings and capital planning. This volatility complicates provisioning, stress testing and dividend planning and raises the chance of earnings or capital pressure in adverse cycles.
Funding And Margin SensitivityRevenue hinges on net interest margin funded largely by retail deposits; rising deposit competition or wholesale cost shocks can compress margins. Structural sensitivity to funding markets means sustained higher funding costs would directly reduce core profitability and constrain loan margin management.
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 £1.44B.
When is Paragon Banking Group PLC’s upcoming earnings report date?
Paragon Banking Group PLC’s upcoming earnings report date is Jun 09, 2026 which is in 42 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 Overvalued.
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
Underperform
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Blogger Sentiment
Bullish
GB:PAG Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth £1.5M 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.
Technical Analysis
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Options Prices
Currently, No data available
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