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Paragon Banking Group PLC (GB:PAG)
LSE:PAG
UK Market
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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 2024 was £0.00. For the 2024 fiscal year, GB:PAG's free cash flow was decreased by £ and operating cash flow was £0.21. See a summary of the company’s cash flow.
Ratios
TTM
Sep 24Sep 23Sep 22Sep 21
Liquidity Ratios
Current Ratio
23.16 0.65 34.64 41.25 42.83
Quick Ratio
46.58 0.65 69.43 82.61 86.18
Cash Ratio
23.03 0.65 34.54 41.09 42.68
Solvency Ratio
0.01 <0.01 0.02 0.01 <0.01
Operating Cash Flow Ratio
7.48 0.47 20.91 26.53 22.81
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
£ -12.05B£ -14.02B£ -13.30B£ -12.53B£ -12.42B
Leverage Ratios
Debt-to-Assets Ratio
0.39 0.02 0.08 0.11 0.28
Debt-to-Equity Ratio
5.10 0.21 0.89 1.31 3.78
Debt-to-Capital Ratio
0.84 0.17 0.47 0.57 0.79
Long-Term Debt-to-Capital Ratio
0.84 0.00 0.00 0.57 0.79
Financial Leverage Ratio
12.99 13.06 11.75 12.19 13.41
Debt Service Coverage Ratio
0.61 0.29 1.89 1.03 0.49
Interest Coverage Ratio
0.70 0.49 3.39 1.23 0.55
Debt to Market Cap
4.55 0.00 0.00 1.19 5.18
Interest Debt Per Share
22.83 3.82 5.94 7.16 18.10
Net Debt to EBITDA
25.97 -13.01 -1.53 1.19 18.53
Profitability Margins
Gross Profit Margin
100.00%104.12%100.00%100.00%100.00%
EBIT Margin
51.84%50.83%2089.50%59.15%38.23%
EBITDA Margin
55.59%52.76%2167.50%63.35%42.69%
Operating Profit Margin
51.84%70.58%2962.00%59.15%38.23%
Pretax Profit Margin
51.84%50.83%2089.50%59.15%38.23%
Net Profit Margin
41.54%39.13%1568.00%45.53%29.48%
Continuous Operations Profit Margin
41.54%39.13%1568.00%45.53%29.48%
Net Income Per EBT
80.13%76.99%75.04%76.98%77.11%
EBT Per EBIT
100.00%72.01%70.54%100.00%100.00%
Return on Assets (ROA)
0.88%0.84%1.88%1.09%0.59%
Return on Equity (ROE)
11.49%10.91%22.13%13.25%7.90%
Return on Capital Employed (ROCE)
1.11%2.01%3.57%1.41%0.77%
Return on Invested Capital (ROIC)
6.17%1.55%18.99%10.14%3.39%
Return on Tangible Assets
0.90%0.84%1.90%1.10%0.60%
Earnings Yield
10.25%13.96%32.73%11.95%10.81%
Efficiency Ratios
Receivables Turnover
45.78 49.16 3.85 66.91 46.22
Payables Turnover
0.00 -0.09 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
5.35 5.27 0.28 5.13 4.69
Asset Turnover
0.02 0.02 <0.01 0.02 0.02
Working Capital Turnover Ratio
0.25 2.80 0.01 0.22 0.20
Cash Conversion Cycle
7.97 4.28K 94.90 5.46 7.90
Days of Sales Outstanding
7.97 7.42 94.90 5.46 7.90
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 -4.28K 0.00 0.00 0.00
Operating Cycle
7.97 7.42 94.90 5.46 7.90
Cash Flow Ratios
Operating Cash Flow Per Share
1.54 9.69 4.82 3.48 4.06
Free Cash Flow Per Share
1.53 9.68 4.80 3.46 4.04
CapEx Per Share
0.01 0.01 0.01 0.02 0.01
Free Cash Flow to Operating Cash Flow
0.99 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
6.97 30.54 16.25 14.91 26.51
Capital Expenditure Coverage Ratio
128.35 678.66 389.57 204.21 354.72
Operating Cash Flow Coverage Ratio
0.07 7.35 0.92 0.54 0.24
Operating Cash Flow to Sales Ratio
1.30 5.52 58.44 2.43 3.32
Free Cash Flow Yield
31.77%196.68%121.66%63.49%121.47%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.75 7.16 3.06 8.37 9.25
Price-to-Sales (P/S) Ratio
4.05 2.80 47.91 3.81 2.73
Price-to-Book (P/B) Ratio
1.12 0.78 0.68 1.11 0.73
Price-to-Free Cash Flow (P/FCF) Ratio
3.15 0.51 0.82 1.58 0.82
Price-to-Operating Cash Flow Ratio
3.12 0.51 0.82 1.57 0.82
Price-to-Earnings Growth (PEG) Ratio
-0.78 -0.15 0.03 0.10 -0.35
Price-to-Fair Value
1.12 0.78 0.68 1.11 0.73
Enterprise Value Multiple
33.26 -7.69 0.68 7.20 24.92
Enterprise Value
5.67B -1.60B 293.48M 1.65B 3.29B
EV to EBITDA
33.26 -7.69 0.68 7.20 24.92
EV to Sales
18.49 -4.06 14.67 4.56 10.64
EV to Free Cash Flow
14.36 -0.74 0.25 1.89 3.21
EV to Operating Cash Flow
14.25 -0.74 0.25 1.88 3.20
Tangible Book Value Per Share
3.64 5.54 5.14 4.25 3.89
Shareholders’ Equity Per Share
4.30 6.29 5.84 4.92 4.56
Tax and Other Ratios
Effective Tax Rate
0.20 0.23 0.25 0.23 0.23
Revenue Per Share
1.19 1.76 0.08 1.43 1.22
Net Income Per Share
0.49 0.69 1.29 0.65 0.36
Tax Burden
0.80 0.77 0.75 0.77 0.77
Interest Burden
1.00 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
0.13 0.13 2.19 0.11 0.14
Stock-Based Compensation to Revenue
0.02 0.03 0.46 0.02 <0.01
Income Quality
2.50 10.86 2.80 4.11 8.69
Currency in GBP
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