Paragon Banking Group PLC (LON:PAG)

Paragon Banking Group Statistics

Total Valuation

LON:PAG has a market cap or net worth of GBP 1.80 billion.

Market Cap	1.80B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, June 4, 2025.

Earnings Date	Jun 4, 2025
Ex-Dividend Date	Jul 3, 2025

Share Statistics

LON:PAG has 194.72 million shares outstanding. The number of shares has decreased by -4.76% in one year.

Current Share Class	194.72M
Shares Outstanding	194.72M
Shares Change (YoY)	-4.76%
Shares Change (QoQ)	-2.70%
Owned by Insiders (%)	4.38%
Owned by Institutions (%)	89.09%
Float	181.83M

Valuation Ratios

The trailing PE ratio is 9.58 and the forward PE ratio is 8.79. LON:PAG's PEG ratio is 0.69.

PE Ratio	9.58
Forward PE	8.79
PS Ratio	3.61
PB Ratio	1.28
P/TBV Ratio	1.46
P/FCF Ratio	4.06
P/OCF Ratio	4.05
PEG Ratio	0.69

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	357,563
Profits Per Employee	146,882
Employee Count	1,411
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:PAG has paid 78.40 million in taxes.

Income Tax	78.40M
Effective Tax Rate	27.67%

Stock Price Statistics

The stock price has increased by +22.01% in the last 52 weeks. The beta is 1.54, so LON:PAG's price volatility has been higher than the market average.

Beta (5Y)	1.54
52-Week Price Change	+22.01%
50-Day Moving Average	877.48
200-Day Moving Average	778.64
Relative Strength Index (RSI)	60.97
Average Volume (20 Days)	349,971

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, LON:PAG had revenue of GBP 498.80 million and earned 204.90 million in profits. Earnings per share was 0.97.

Revenue	498.80M
Gross Profit	296.10M
Operating Income	293.00M
Pretax Income	283.30M
Net Income	204.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.97

Balance Sheet

The company has 2.50 billion in cash and 1.52 billion in debt, giving a net cash position of 980.30 million or 5.03 per share.

Cash & Cash Equivalents	2.50B
Total Debt	1.52B
Net Cash	980.30M
Net Cash Per Share	5.03
Equity (Book Value)	1.41B
Book Value Per Share	7.14
Working Capital	2.15B

Cash Flow

In the last 12 months, operating cash flow was 445.60 million and capital expenditures -1.00 million, giving a free cash flow of 444.60 million.

Operating Cash Flow	445.60M
Capital Expenditures	-1.00M
Free Cash Flow	444.60M
FCF Per Share	2.28

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 0.40, which amounts to a dividend yield of 4.40%.

Dividend Per Share	0.40
Dividend Yield	4.40%
Dividend Growth (YoY)	3.03%
Years of Dividend Growth	4
Payout Ratio	39.97%
Buyback Yield	4.76%
Shareholder Yield	9.14%
Earnings Yield	11.36%
FCF Yield	24.66%

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