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Paragon Banking Group PLC (GB:PAG)
LSE:PAG
UK Market
PAG
Paragon Banking Group PLC
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Paragon Banking Group PLC (PAG) Ratios

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Paragon Banking Group PLC Ratios

GB:PAG's free cash flow for Q4 2025 was £0.34. For the 2025 fiscal year, GB:PAG's free cash flow was decreased by £ and operating cash flow was £0.20. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Sep 24Sep 23Sep 22
Liquidity Ratios
Current Ratio
 0.28 0.28 0.15 15.91 34.64
Quick Ratio
 0.28 0.28 0.15 31.98 69.43
Cash Ratio
 0.00 0.00 0.15 15.91 34.54
Solvency Ratio
 <0.01 0.01 0.01 <0.01 0.02
Operating Cash Flow Ratio
 -0.06 0.04 0.13 11.54 20.91
Short-Term Operating Cash Flow Coverage
 -4.71 3.20 20.47 41.13 6.77
Net Current Asset Value
£ -16.10B£ -16.10B£ -15.30B£ -14.02B£ -13.30B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.09 0.05 0.17 0.24
Debt-to-Equity Ratio
 1.20 1.20 0.71 2.19 2.83
Debt-to-Capital Ratio
 0.55 0.55 0.42 0.69 0.74
Long-Term Debt-to-Capital Ratio
 0.53 0.53 0.39 0.68 0.73
Financial Leverage Ratio
 14.03 14.03 13.58 13.06 11.75
Debt Service Coverage Ratio
 0.39 0.23 0.20 0.26 0.92
Interest Coverage Ratio
 0.73 0.34 0.31 0.36 2.39
Debt to Market Cap
 1.23 0.99 0.62 2.70 4.18
Interest Debt Per Share
 10.46 12.41 8.78 15.75 17.27
Net Debt to EBITDA
 6.59 6.27 -5.81 0.49 4.93
Profitability Margins
Gross Profit Margin
53.69%36.45%100.00%100.00%77.61%
EBIT Margin
30.74%20.67%50.64%43.92%53.62%
EBITDA Margin
30.74%21.94%51.96%45.59%54.32%
Operating Profit Margin
31.07%20.67%50.64%43.92%53.62%
Pretax Profit Margin
30.44%20.67%50.64%43.92%53.62%
Net Profit Margin
21.40%14.53%37.11%33.82%40.24%
Continuous Operations Profit Margin
21.40%14.53%37.11%33.82%40.24%
Net Income Per EBT
70.29%70.29%73.29%76.99%75.04%
EBT Per EBIT
97.98%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.90%0.90%0.97%0.84%1.88%
Return on Equity (ROE)
12.75%12.70%13.10%10.91%22.13%
Return on Capital Employed (ROCE)
2.29%2.25%9.25%1.10%2.52%
Return on Invested Capital (ROIC)
-3.07%-3.00%6.52%0.84%12.48%
Return on Tangible Assets
0.91%0.91%0.97%0.84%1.90%
Earnings Yield
12.41%10.51%11.39%13.48%32.73%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 45.15 56.89 149.88
Payables Turnover
 0.00 0.00 0.00 0.00 3.12
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.09
Fixed Asset Turnover
 10.94 16.12 7.06 6.09 10.92
Asset Turnover
 0.04 0.06 0.03 0.02 0.05
Working Capital Turnover Ratio
 -0.08 -0.12 -0.09 0.19 0.48
Cash Conversion Cycle
 0.00 0.00 8.08 6.42 -4.18K
Days of Sales Outstanding
 0.00 0.00 8.08 6.42 2.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -4.07K
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 116.93
Operating Cycle
 0.00 0.00 8.08 6.42 -4.07K
Cash Flow Ratios
Operating Cash Flow Per Share
 -2.45 1.66 10.55 9.36 4.82
Free Cash Flow Per Share
 -2.46 1.66 10.52 9.34 4.80
CapEx Per Share
 <0.01 <0.01 <0.01 0.01 0.01
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 -5.89 4.00 26.26 30.54 16.25
Capital Expenditure Coverage Ratio
 -373.08 253.15 2.46K 678.66 389.57
Operating Cash Flow Coverage Ratio
 -0.28 0.19 2.19 0.70 0.29
Operating Cash Flow to Sales Ratio
 -0.58 0.27 4.42 4.77 1.50
Free Cash Flow Yield
-35.24%19.11%135.35%189.88%121.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.06 9.51 8.78 7.42 3.06
Price-to-Sales (P/S) Ratio
 1.64 1.38 3.26 2.51 1.23
Price-to-Book (P/B) Ratio
 1.02 1.21 1.15 0.81 0.68
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.84 5.23 0.74 0.53 0.82
Price-to-Operating Cash Flow Ratio
 -3.00 5.21 0.74 0.53 0.82
Price-to-Earnings Growth (PEG) Ratio
 -0.81 4.23 0.30 -0.16 0.03
Price-to-Fair Value
 1.02 1.21 1.15 0.81 0.68
Enterprise Value Multiple
 11.92 12.57 0.47 5.99 7.19
Enterprise Value
 3.09B 3.42B 121.33M 1.24B 3.04B
EV to EBITDA
 11.92 12.57 0.47 5.99 7.19
EV to Sales
 3.66 2.76 0.24 2.73 3.90
EV to Free Cash Flow
 -6.35 10.44 0.05 0.57 2.61
EV to Operating Cash Flow
 -6.36 10.40 0.05 0.57 2.60
Tangible Book Value Per Share
 6.31 6.31 5.94 5.35 5.14
Shareholders’ Equity Per Share
 7.18 7.18 6.76 6.08 5.84
Tax and Other Ratios
Effective Tax Rate
 0.30 0.30 0.27 0.23 0.25
Revenue Per Share
 4.26 6.28 2.39 1.96 3.21
Net Income Per Share
 0.91 0.91 0.89 0.66 1.29
Tax Burden
 0.70 0.70 0.73 0.77 0.75
Interest Burden
 0.99 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.14 0.09 0.12 0.11 0.06
Stock-Based Compensation to Revenue
 <0.01 0.00 0.02 0.03 0.01
Income Quality
 -2.69 1.83 8.73 10.86 2.80
Currency in GBP