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

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 £0.00. For the 2025 fiscal year, GB:PAG's free cash flow was decreased by £ and operating cash flow was £0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.63 0.65 34.64 41.25
Quick Ratio
0.00 0.63 0.65 69.43 82.61
Cash Ratio
0.00 0.31 0.65 34.54 41.09
Solvency Ratio
<0.01 0.01 <0.01 0.02 0.01
Operating Cash Flow Ratio
0.00 0.28 0.47 20.91 26.53
Short-Term Operating Cash Flow Coverage
-4.71 20.47 0.00 0.00 0.00
Net Current Asset Value
£ -18.51B£ -12.76B£ -14.02B£ -13.30B£ -12.53B
Leverage Ratios
Debt-to-Assets Ratio
0.09 0.05 0.02 0.08 0.11
Debt-to-Equity Ratio
1.20 0.71 0.21 0.89 1.31
Debt-to-Capital Ratio
0.55 0.42 0.17 0.47 0.57
Long-Term Debt-to-Capital Ratio
0.53 0.41 0.00 0.00 0.57
Financial Leverage Ratio
14.03 13.58 13.06 11.75 12.19
Debt Service Coverage Ratio
1.77 0.20 0.29 1.89 1.03
Interest Coverage Ratio
0.00 0.31 0.49 3.39 1.23
Debt to Market Cap
1.05 0.68 0.00 0.00 1.19
Interest Debt Per Share
8.49 8.78 3.82 5.94 7.16
Net Debt to EBITDA
6.59 -5.81 -13.01 -1.53 1.19
Profitability Margins
Gross Profit Margin
28.55%36.68%104.12%100.00%100.00%
EBIT Margin
29.75%19.33%50.83%2089.50%59.15%
EBITDA Margin
29.75%19.83%52.76%2167.50%63.35%
Operating Profit Margin
30.07%19.33%70.58%2962.00%59.15%
Pretax Profit Margin
29.46%19.33%50.83%2089.50%59.15%
Net Profit Margin
20.71%14.16%39.13%1568.00%45.53%
Continuous Operations Profit Margin
20.71%14.16%39.13%1568.00%45.53%
Net Income Per EBT
70.29%73.29%76.99%75.04%76.98%
EBT Per EBIT
97.98%100.00%72.01%70.54%100.00%
Return on Assets (ROA)
0.90%0.97%0.84%1.88%1.09%
Return on Equity (ROE)
12.75%13.10%10.91%22.13%13.25%
Return on Capital Employed (ROCE)
1.31%2.26%2.01%3.57%1.41%
Return on Invested Capital (ROIC)
178.67%1.64%1.55%18.99%10.14%
Return on Tangible Assets
0.91%0.97%0.84%1.90%1.10%
Earnings Yield
10.55%11.39%13.96%32.73%11.95%
Efficiency Ratios
Receivables Turnover
0.00 118.31 49.16 3.85 66.91
Payables Turnover
0.00 3.67 -0.09 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
11.31 18.50 5.27 0.28 5.13
Asset Turnover
0.04 0.07 0.02 <0.01 0.02
Working Capital Turnover Ratio
-0.13 -16.32 2.80 0.01 0.22
Cash Conversion Cycle
0.00 -96.43 4.28K 94.90 5.46
Days of Sales Outstanding
0.00 3.09 7.42 94.90 5.46
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 99.51 -4.28K 0.00 0.00
Operating Cycle
0.00 3.09 7.42 94.90 5.46
Cash Flow Ratios
Operating Cash Flow Per Share
-2.41 10.55 9.69 4.82 3.48
Free Cash Flow Per Share
-2.42 10.52 9.68 4.80 3.46
CapEx Per Share
<0.01 <0.01 0.01 0.01 0.02
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 26.26 30.54 16.25 14.91
Capital Expenditure Coverage Ratio
-373.08 2.46K 678.66 389.57 204.21
Operating Cash Flow Coverage Ratio
-0.28 2.19 7.35 0.92 0.54
Operating Cash Flow to Sales Ratio
-0.56 1.69 5.52 58.44 2.43
Free Cash Flow Yield
-30.02%135.35%196.68%121.66%63.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.48 8.78 7.16 3.06 8.37
Price-to-Sales (P/S) Ratio
1.86 1.24 2.80 47.91 3.81
Price-to-Book (P/B) Ratio
1.20 1.15 0.78 0.68 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
-3.33 0.74 0.51 0.82 1.58
Price-to-Operating Cash Flow Ratio
-3.52 0.74 0.51 0.82 1.57
Price-to-Earnings Growth (PEG) Ratio
-1.05 0.30 -0.15 0.03 0.10
Price-to-Fair Value
1.20 1.15 0.78 0.68 1.11
Enterprise Value Multiple
12.84 0.47 -7.69 0.68 7.20
Enterprise Value
3.33B 121.33M -1.60B 293.48M 1.65B
EV to EBITDA
12.84 0.47 -7.69 0.68 7.20
EV to Sales
3.82 0.09 -4.06 14.67 4.56
EV to Free Cash Flow
-6.84 0.05 -0.74 0.25 1.89
EV to Operating Cash Flow
-6.86 0.05 -0.74 0.25 1.88
Tangible Book Value Per Share
6.21 5.94 5.54 5.14 4.25
Shareholders’ Equity Per Share
7.06 6.76 6.29 5.84 4.92
Tax and Other Ratios
Effective Tax Rate
0.30 0.27 0.23 0.25 0.23
Revenue Per Share
4.33 6.25 1.76 0.08 1.43
Net Income Per Share
0.90 0.89 0.69 1.29 0.65
Tax Burden
0.70 0.73 0.77 0.75 0.77
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
<0.01 0.05 0.13 2.19 0.11
Stock-Based Compensation to Revenue
<0.01 <0.01 0.03 0.46 0.02
Income Quality
-2.69 8.73 10.86 2.80 4.11
Currency in GBP