Paragon Banking Group PLC (FRA:46P1)

Paragon Banking Group Statistics

Total Valuation

FRA:46P1 has a market cap or net worth of EUR 1.86 billion.

Market Cap	1.86B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, December 3, 2025.

Earnings Date	Dec 3, 2025
Ex-Dividend Date	Jul 3, 2025

Share Statistics

Current Share Class	193.88M
Shares Outstanding	n/a
Shares Change (YoY)	-4.76%
Shares Change (QoQ)	-2.70%
Owned by Insiders (%)	4.35%
Owned by Institutions (%)	88.99%
Float	180.59M

Valuation Ratios

The trailing PE ratio is 7.58 and the forward PE ratio is 7.59.

PE Ratio	7.58
Forward PE	7.59
PS Ratio	3.11
PB Ratio	1.10
P/TBV Ratio	1.26
P/FCF Ratio	3.49
P/OCF Ratio	3.48
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.13, with a Debt / Equity ratio of 1.08.

Current Ratio	1.13
Quick Ratio	1.13
Debt / Equity	1.08
Debt / EBITDA	n/a
Debt / FCF	3.43
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.68%.

Return on Equity (ROE)	14.68%
Return on Assets (ROA)	1.07%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	427,418
Profits Per Employee	175,577
Employee Count	1,411
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:46P1 has paid 93.72 million in taxes.

Income Tax	93.72M
Effective Tax Rate	27.67%

Stock Price Statistics

The stock price has increased by +9.09% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+9.09%
50-Day Moving Average	9.60
200-Day Moving Average	9.96
Relative Strength Index (RSI)	63.44
Average Volume (20 Days)	11

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:46P1 had revenue of EUR 596.25 million and earned 244.93 million in profits. Earnings per share was 1.16.

Revenue	596.25M
Gross Profit	353.95M
Operating Income	350.24M
Pretax Income	338.65M
Net Income	244.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.16

Balance Sheet

The company has 2.99 billion in cash and 1.82 billion in debt, giving a net cash position of 1.17 billion.

Cash & Cash Equivalents	2.99B
Total Debt	1.82B
Net Cash	1.17B
Net Cash Per Share	n/a
Equity (Book Value)	1.68B
Book Value Per Share	8.54
Working Capital	2.57B

Cash Flow

In the last 12 months, operating cash flow was 532.65 million and capital expenditures -1.20 million, giving a free cash flow of 531.46 million.

Operating Cash Flow	532.65M
Capital Expenditures	-1.20M
Free Cash Flow	531.46M
FCF Per Share	n/a

Margins

Gross margin is 59.36%, with operating and profit margins of 58.74% and 41.08%.

Gross Margin	59.36%
Operating Margin	58.74%
Pretax Margin	56.80%
Profit Margin	41.08%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	89.13%

Dividends & Yields

This stock pays an annual dividend of 0.48, which amounts to a dividend yield of 5.04%.

Dividend Per Share	0.48
Dividend Yield	5.04%
Dividend Growth (YoY)	4.03%
Years of Dividend Growth	4
Payout Ratio	39.97%
Buyback Yield	4.76%
Shareholder Yield	9.81%
Earnings Yield	13.20%
FCF Yield	28.64%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 29, 2008. It was a reverse split with a ratio of 0.1.

Last Split Date	Jan 29, 2008
Split Type	Reverse
Split Ratio	0.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5