Paragon Banking Group PLC (GB:PAG)
LSE:PAG
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PAG Stock Chart & Stats
810.00 p
2.00 p(0.29%)
At close: 4:00 PM EST
810.00 p
2.00 p(0.29%)
Day’s Range― - ―
52-Week Range681.50 p - 981.00 p
Previous CloseN/A
Volume78.28K
Average Volume (3M)354.48K
Market Cap
£1.41B
Enterprise Value3.15B
Total Cash (Recent Filing)£1.64B
Total Debt (Recent Filing)£2.54B
Price to Earnings (P/E)7.9
Beta1.46
Next Earnings
Dec 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.74%
Share Statistics
EPS (TTM)0.92
Shares Outstanding191,201,860
10 Day Avg. Volume291,721
30 Day Avg. Volume354,483
Financial Highlights & Ratios
PEG Ratio4.23
Price to Book (P/B)1.21
Price to Sales (P/S)1.38
P/FCF Ratio5.23
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£1,040.00Price Target Upside28.40% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.09
Revenue Forecast (FY)£510.64M
Bulls Say, Bears Say
Bulls Say
Business Model / Funding MixParagon's core model of funding lending via retail deposits to generate net interest income creates a predictable recurring revenue engine. For 2–6 months this supports resilience versus transactional businesses, sustaining margin capture as long as deposit relationships hold and loan volumes are managed prudently.
Sustained ProfitabilityConsistent operating and net margins with mid-teens ROE indicate durable profitability after costs. This level of profitability provides ongoing capacity to generate earnings, cover capital requirements and support investment or distributions, even if growth moderates over the next several quarters.
Cash Conversion QualityFree cash flow tracking close to reported earnings points to high earnings quality and genuine cash generation. Over 2–6 months this bolsters balance sheet flexibility, supports continued lending activity, and underpins the firm's ability to service deposits and fund operations without immediate reliance on wholesale markets.
Bears Say
Rising LeverageA material jump in leverage reduces financial flexibility and increases sensitivity to interest-rate moves or funding shocks. Higher debt-to-equity constrains capital buffers and raises the firm's vulnerability to adverse credit cycles or regulatory capital actions over the medium term.
Revenue And Cash Flow VolatilityPronounced swings in revenue and a large drop in operating and free cash flow in 2025 weaken predictability of earnings and planning. For lenders this undermines stress-testing, dividend reliability and capital planning across the next several quarters, elevating execution risk.
Concentration And Funding SensitivityConcentration in buy-to-let and SME lending ties asset performance to property and small-business cycles; combined with reliance on retail deposits, this raises exposure to credit deterioration and deposit competition. These structural sensitivities can pressure margins and impairments over months.
Paragon Banking Group PLC News
PAG FAQ
What was Paragon Banking Group PLC’s price range in the past 12 months?
Paragon Banking Group PLC lowest share price was 681.50 p and its highest was 981.00 p in the past 12 months.
What is Paragon Banking Group PLC’s market cap?
Paragon Banking Group PLC’s market cap is £1.41B.
When is Paragon Banking Group PLC’s upcoming earnings report date?
Paragon Banking Group PLC’s upcoming earnings report date is Dec 01, 2026 which is in 177 days.
How were Paragon Banking Group PLC’s earnings last quarter?
Paragon Banking Group PLC released its earnings results on Jun 02, 2026. The company reported 0.563 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.563 p.
Is Paragon Banking Group PLC overvalued?
According to Wall Street analysts Paragon Banking Group PLC’s price is currently Undervalued.
Does Paragon Banking Group PLC pay dividends?
Paragon Banking Group PLC pays a Semiannually dividend of 30.3 p which represents an annual dividend yield of 4.74%. See more information on Paragon Banking Group PLC dividends here
What is Paragon Banking Group PLC’s EPS estimate?
Paragon Banking Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Paragon Banking Group PLC have?
Paragon Banking Group PLC has 191,201,860 shares outstanding.
What happened to Paragon Banking Group PLC’s price movement after its last earnings report?
Paragon Banking Group PLC reported an EPS of 0.563 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.407%.
Which hedge fund is a major shareholder of Paragon Banking Group PLC?
Currently, no hedge funds are holding shares in GB:PAG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Paragon Banking Group PLC Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
£1,040.00 (28.40% Upside)
£1,040.00 (28.40% Upside)
Blogger Sentiment
Bullish
GB:PAG Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth £1.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.11%
12-Months-Change
Fundamentals
Return on Equity
12.75%
Trailing 12-Months
Asset Growth
4.02%
Trailing 12-Months
Company Description
Paragon Banking Group PLC
Paragon Banking Group PLC provides financial services in the United Kingdom. It operates through three segments: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgages Lending segment offers buy-to-let, owner-occupied first and second charge lending, and related activities. The Commercial Lending segment provides SME lending, development finance, structured lending, and motor finance services. The Idem Capital segment engages in the acquisition and servicing of products, such as leases, motor finance agreements, mortgages, and unsecured loans; and offers servicing of loan portfolios for clients, including banks, private equity houses, and specialist lenders. It also provides a range of savings products to households. The company was formerly known as The Paragon Group of Companies PLC and changed its name to Paragon Banking Group PLC in September 2017. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.
PAG Stock 12 Month Forecast
Average Price Target
1,040.00 p
▲(28.40% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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