46P1 Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Predictable Net-interest Income ModelParagon’s core business is earning net interest income from loans funded by retail deposits, a structurally recurring revenue stream. This spread-driven model supports stable, repeatable earnings as long as lending volumes and margins persist, reducing reliance on volatile non-interest activities and supporting predictable cash generation over months.
Solid Margins And Return On EquitySustained operating and net margins with mid-teens ROE indicate the business converts revenue into profit effectively. For a specialist mortgage lender, these margins signal competitive pricing power and operational efficiency that can underpin durable earnings and internal capital generation for reinvestment and regulatory buffers over the medium term.
Strong Cash ConversionFree cash flow roughly matching net income shows earnings quality and real cash generation from operations. This supports the bank’s ability to meet funding needs, service debt, and sustain payouts or capital build over time, providing resilience even when earnings fluctuate, as long as conversion remains near parity.
Bears Say
Rising LeverageA marked increase in debt-to-equity heightens balance-sheet risk for a mortgage-focused lender: greater reliance on borrowed funding reduces financial flexibility, increases sensitivity to funding-cost shocks and market stress, and can amplify losses in downturns, constraining portfolio growth and strategic optionality.
Volatile Revenue TrendsLarge swings in revenue year-to-year reduce predictability of net interest income and fee streams, complicating credit provisioning, capital and liquidity planning. Persistent volatility can undermine investor and regulator confidence and makes forecasting earnings and stress-testing outcomes more uncertain over the medium term.
Declining Cash Flow In Latest PeriodA sharp decline in operating and free cash flow, even if remaining positive, weakens the firm’s buffer to absorb credit losses, meet higher funding costs, or sustain distributions. If this trend persists it could force higher wholesale funding, asset sales, or curtailed lending, reducing strategic flexibility.
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 CHF1.63B.
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 130 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 CHF0.604 earnings per share for the quarter, beating the consensus estimate of N/A by CHF0.604.
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?
Paragon Banking Group PLC has 186,647,800 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 CHF0.604 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:
CHF11.32 (― Downside)
CHF11.32 (― Downside)
Blogger Sentiment
Bullish
CH:46P1 Sentiment 100%
Sector Average 60%
Sector Average 60%
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
5.47%
Trailing 12-Months
Asset Growth
4.02%
Trailing 12-Months
Company Description
Paragon Banking Group PLC
Paragon Banking Group PLC is a leading provider of diverse financial solutions across the United Kingdom. The company's operations are structured into three distinct divisions: Mortgage Lending, Commercial Lending, and Idem Capital. The Mortgage Lending division specializes in property-backed finance, encompassing both buy-to-let mortgages for investors and owner-occupied residential loans, including first and second charges, along with related services. Meanwhile, Commercial Lending caters to businesses with a diverse suite of financial products, such as funding for small and medium-sized enterprises (SMEs), development finance for property projects, structured lending solutions, and vehicle financing. The Idem Capital segment's activities involve the acquisition and management of various credit assets, including equipment leases, motor finance agreements, residential mortgages, and unsecured personal loans. Furthermore, Idem Capital extends its expertise to managing loan portfolios on behalf of institutional clients like banks, private equity firms, and specialist lenders. Beyond its lending operations, Paragon Banking Group also offers a comprehensive range of savings accounts to household customers. Established in 1985, the company is headquartered in Solihull, United Kingdom. It adopted its current name, Paragon Banking Group PLC, in September 2017, having previously been known as The Paragon Group of Companies PLC.
46P1 Stock 12 Month Forecast
Average Price Target
CHF11.32
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