Paragon Banking Group PLC (LON:PAG)

Paragon Banking Group Statistics

Total Valuation

LON:PAG has a market cap or net worth of GBP 1.68 billion.

Market Cap	1.68B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, December 3, 2025.

Earnings Date	Dec 3, 2025
Ex-Dividend Date	Feb 5, 2026

Share Statistics

LON:PAG has 190.03 million shares outstanding. The number of shares has decreased by -6.04% in one year.

Current Share Class	190.03M
Shares Outstanding	190.03M
Shares Change (YoY)	-6.04%
Shares Change (QoQ)	-3.73%
Owned by Insiders (%)	4.46%
Owned by Institutions (%)	90.13%
Float	176.76M

Valuation Ratios

The trailing PE ratio is 10.05 and the forward PE ratio is 7.73. LON:PAG's PEG ratio is 0.54.

PE Ratio	10.05
Forward PE	7.73
PS Ratio	3.32
PB Ratio	1.18
P/TBV Ratio	1.34
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.54

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 1.25.

Current Ratio	1.13
Quick Ratio	1.13
Debt / Equity	1.25
Debt / EBITDA	n/a
Debt / FCF	-4.69
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.70%.

Return on Equity (ROE)	12.70%
Return on Assets (ROA)	0.92%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	361,214
Profits Per Employee	128,786
Employee Count	1,400
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:PAG has paid 76.20 million in taxes.

Income Tax	76.20M
Effective Tax Rate	29.71%

Stock Price Statistics

The stock price has increased by +17.54% in the last 52 weeks. The beta is 1.29, so LON:PAG's price volatility has been higher than the market average.

Beta (5Y)	1.29
52-Week Price Change	+17.54%
50-Day Moving Average	829.16
200-Day Moving Average	857.71
Relative Strength Index (RSI)	59.59
Average Volume (20 Days)	729,608

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 505.70 million and earned 180.30 million in profits. Earnings per share was 0.88.

Revenue	505.70M
Gross Profit	300.80M
Operating Income	274.80M
Pretax Income	256.50M
Net Income	180.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.88

Balance Sheet

The company has 2.66 billion in cash and 1.77 billion in debt, giving a net cash position of 890.10 million or 4.68 per share.

Cash & Cash Equivalents	2.66B
Total Debt	1.77B
Net Cash	890.10M
Net Cash Per Share	4.68
Equity (Book Value)	1.42B
Book Value Per Share	7.45
Working Capital	2.26B

Cash Flow

In the last 12 months, operating cash flow was -377.40 million and capital expenditures -1.30 million, giving a free cash flow of -378.70 million.

Operating Cash Flow	-377.40M
Capital Expenditures	-1.30M
Free Cash Flow	-378.70M
FCF Per Share	-1.99

Margins

Gross margin is 59.48%, with operating and profit margins of 54.34% and 35.65%.

Gross Margin	59.48%
Operating Margin	54.34%
Pretax Margin	50.72%
Profit Margin	35.65%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.44, which amounts to a dividend yield of 4.97%.

Dividend Per Share	0.44
Dividend Yield	4.97%
Dividend Growth (YoY)	8.66%
Years of Dividend Growth	5
Payout Ratio	44.93%
Buyback Yield	6.04%
Shareholder Yield	11.02%
Earnings Yield	10.75%
FCF Yield	-22.57%

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	3