Paragon Banking Group PLC (46P1) Stock Price & Analysis
46P1 Stock Chart & Stats
- Day’s Range
- EUR 9.00 - EUR 9.00
- 52-Week Range
- EUR 8.20 - EUR 10.80
- Previous Close
- EUR 8.90
- Volume
- N/A
- Average Volume (3M)
- 111
- Market Cap
- EUR 1.54B
- Enterprise Value
- EUR 2332.44T
- Total Cash (Recent Filing)
- EUR 1.64B
- Total Debt (Recent Filing)
- EUR 2.54B
- Price to Earnings (P/E)
- 7.8
- Beta
- 0.86
- Next Earnings
- Dec 01, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.88%
Bulls Say, Bears Say
Bulls Say
Solid Profitability
Paragon remains profitable at both operating and net levels, providing an established earnings base for a specialist lender. Although margins have moderated from prior years, current profitability can support capital formation, ongoing lending activity, and resilience over the next several quarters.
Strong Earnings Quality
Free cash flow conversion broadly matching net income indicates that reported profits have been supported by cash generation rather than relying solely on accounting results. This strengthens earnings quality and gives management greater capacity to fund operations and lending internally.
Specialist Banking Model
Paragon’s specialist focus across buy-to-let, mortgage, commercial, and savings products creates an established banking model with multiple customer and lending channels. Deposit funding and loan servicing capabilities can support recurring interest income and ongoing customer relationships.
Bears Say
Rising Leverage
The sharp increase in debt-to-equity indicates greater reliance on debt funding and reduces balance-sheet flexibility compared with the prior year. Higher leverage can constrain future capital allocation and leave less room to absorb weaker lending conditions or credit deterioration.
Volatile Cash Generation
The substantial year-on-year decline in operating and free cash flow makes the timing and reliability of internally generated funds less predictable. Continued volatility could limit the resources available for balance-sheet strengthening, lending growth, or shareholder distributions.
Uneven Revenue Performance
Highly variable revenue and a lower margin profile than in 2023–2024 raise questions about the durability of recent earnings power. Uneven operating performance makes forward planning harder and may limit confidence that current profitability can be sustained.
Paragon Banking Group PLC News
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Paragon Banking Group PLC Stock Smart Score
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.
- Sector
- Financial
- Industry
- Financial - Mortgages
- CEO
- Nigel Stewart Terrington
- Employees
- 1,413
- Website
- www.paragonbankinggroup.co.uk
- Address
- 51 Homer Road, Solihull, WM, B91 3QJ, GB
Paragon Banking Group PLC (46P1) Earnings & Revenues
46P1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 1 | 7 |
| Technical Analysis | 4 | 1 | 4 |
| Moving Averages | 9 | 0 | 3 |
