Paragon Banking Group PLC (CH:46P1)
:46P1
46P1 Stock Chart & Stats
Currently, no data available
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Bulls Say, Bears Say
Bulls Say
Deposit-funded Lending ModelParagon’s core model earns net interest income by funding an on‑balance sheet loan book with retail deposits. That structure creates recurring NII, a relatively sticky funding base and lower reliance on short‑term wholesale funding, supporting durable margin generation.
Solid Margins And ReturnsReported operating margins near 20% and ROE around 12–13% indicate structurally profitable lending economics. Persistent mid‑teens net margins give headroom to absorb credit volatility and fund dividends or capital growth without immediate structural reengineering of the business.
High Cash ConversionFree cash flow roughly matching net income demonstrates strong cash conversion from underlying earnings. Reliable cash conversion supports sustainable shareholder returns, internal reinvestment and regulatory capital buffers over the medium term, enhancing financial durability.
Bears Say
Rising LeverageLeverage increased materially year‑on‑year, raising balance‑sheet sensitivity typical for mortgage lenders. Higher debt-to-equity elevates funding and interest‑rate risk, tightens regulatory capital headroom and reduces strategic flexibility for lending or buybacks during stress periods.
Revenue And Cash Flow VolatilityThe business shows erratic revenue and cash flow trends across reporting periods, complicating forecasting and provisioning. Persistent volatility undermines predictability of earnings, capital planning and dividend coverage, increasing the premium needed for long‑term strategic decisions.
Sharp FCF Decline In 2025A marked drop in operating and free cash flow in the latest year, despite overall positive FCF, reduces buffer for loan growth, capital returns and loss absorption. If the trend persists, the group may need more external funding or to curtail shareholder distributions.
Paragon Banking Group PLC News
46P1 FAQ
What was Paragon Banking Group PLC’s price range in the past 12 months?
Currently, no data Available
What is Paragon Banking Group PLC’s market cap?
Paragon Banking Group PLC’s market cap is CHF1.50B.
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 CHF0.598 earnings per share for the quarter, beating the consensus estimate of N/A by CHF0.598.
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 does not currently pay dividends.
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?
Currently, no data Available
What happened to Paragon Banking Group PLC’s price movement after its last earnings report?
Paragon Banking Group PLC reported an EPS of CHF0.598 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Paragon Banking Group PLC?
Currently, no hedge funds are holding shares in CH:46P1
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:
CHF11.02 (― Downside)
CHF11.02 (― Downside)
Blogger Sentiment
Bullish
CH:46P1 Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth CHF1.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
24.60%
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.
46P1 Stock 12 Month Forecast
Average Price Target
CHF11.02
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Options Prices
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