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Paragon Banking Group PLC (DE:46P1)
FRANKFURT:46P1
Germany Market
46P1
Paragon Banking Group PLC
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Paragon Banking Group PLC (46P1) Ratios

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Paragon Banking Group PLC Ratios

DE:46P1's free cash flow for Q2 2026 was £0.38. For the 2026 fiscal year, DE:46P1's free cash flow was decreased by £ and operating cash flow was £0.22. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Sep 24Sep 23Sep 22
Liquidity Ratios
Current Ratio
 16.10 0.28 0.15 15.91 34.64
Quick Ratio
 16.10 0.28 0.15 31.98 69.43
Cash Ratio
 15.92 0.28 0.15 15.91 34.54
Solvency Ratio
 0.01 0.01 0.01 <0.01 0.02
Operating Cash Flow Ratio
 3.46 0.04 0.13 11.54 20.91
Short-Term Operating Cash Flow Coverage
 3.46 3.20 20.47 41.13 6.77
Net Current Asset Value
£ -16.72B£ -16.10B£ -15.30B£ -14.02B£ -13.30B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.09 0.05 0.17 0.24
Debt-to-Equity Ratio
 1.63 1.20 0.71 2.19 2.83
Debt-to-Capital Ratio
 0.62 0.55 0.42 0.69 0.74
Long-Term Debt-to-Capital Ratio
 0.61 0.53 0.39 0.68 0.73
Financial Leverage Ratio
 12.84 14.03 13.58 13.06 11.75
Debt Service Coverage Ratio
 0.22 0.23 0.20 0.26 0.92
Interest Coverage Ratio
 0.36 0.34 0.31 0.36 2.39
Debt to Market Cap
 1.86 0.99 0.62 2.70 4.18
Interest Debt Per Share
 17.15 12.41 8.78 15.75 17.27
Net Debt to EBITDA
 3.53 -2.51 -5.81 0.49 4.93
Profitability Margins
Gross Profit Margin
36.09%36.45%100.00%100.00%77.61%
EBIT Margin
21.21%20.67%50.64%43.92%53.62%
EBITDA Margin
21.34%21.94%51.96%45.59%54.32%
Operating Profit Margin
21.21%20.67%50.64%43.92%53.62%
Pretax Profit Margin
21.00%20.67%50.64%43.92%53.62%
Net Profit Margin
14.98%14.53%37.11%33.82%40.24%
Continuous Operations Profit Margin
14.98%14.53%37.11%33.82%40.24%
Net Income Per EBT
71.35%70.29%73.29%76.99%75.04%
EBT Per EBIT
99.01%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.89%0.90%0.97%0.84%1.88%
Return on Equity (ROE)
11.98%12.70%13.10%10.91%22.13%
Return on Capital Employed (ROCE)
1.27%2.25%9.25%1.10%2.52%
Return on Invested Capital (ROIC)
0.90%1.56%6.52%0.84%12.48%
Return on Tangible Assets
0.90%0.91%0.97%0.84%1.90%
Earnings Yield
12.64%10.51%11.39%13.48%32.73%
Efficiency Ratios
Receivables Turnover
 66.78 0.00 45.15 56.89 149.88
Payables Turnover
 3.79 4.29 0.00 0.00 3.12
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.09
Fixed Asset Turnover
 16.19 16.12 7.06 6.09 10.92
Asset Turnover
 0.06 0.06 0.03 0.02 0.05
Working Capital Turnover Ratio
 -0.52 -0.12 -0.09 0.19 0.48
Cash Conversion Cycle
 -90.82 -85.02 8.08 6.42 -4.18K
Days of Sales Outstanding
 5.47 0.00 8.08 6.42 2.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -4.07K
Days of Payables Outstanding
 96.29 85.02 0.00 0.00 116.93
Operating Cycle
 5.47 0.00 8.08 6.42 -4.07K
Cash Flow Ratios
Operating Cash Flow Per Share
 1.89 1.66 10.55 9.36 4.82
Free Cash Flow Per Share
 1.88 1.66 10.52 9.34 4.80
CapEx Per Share
 <0.01 <0.01 <0.01 0.01 0.01
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 4.21 4.00 26.26 30.54 16.25
Capital Expenditure Coverage Ratio
 324.55 253.15 2.46K 678.66 389.57
Operating Cash Flow Coverage Ratio
 0.14 0.19 2.19 0.70 0.29
Operating Cash Flow to Sales Ratio
 0.30 0.27 4.42 4.77 1.50
Free Cash Flow Yield
26.14%19.11%135.35%189.88%121.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.10 9.53 8.78 7.42 3.06
Price-to-Sales (P/S) Ratio
 1.15 1.38 3.26 2.51 1.23
Price-to-Book (P/B) Ratio
 0.91 1.21 1.15 0.81 0.68
Price-to-Free Cash Flow (P/FCF) Ratio
 3.83 5.23 0.74 0.53 0.82
Price-to-Operating Cash Flow Ratio
 3.95 5.21 0.74 0.53 0.82
Price-to-Earnings Growth (PEG) Ratio
 -1.01 4.24 0.30 -0.16 0.03
Price-to-Fair Value
 0.91 1.21 1.15 0.81 0.68
Enterprise Value Multiple
 8.89 3.79 0.47 5.99 7.19
Enterprise Value
 2.26B 1.03B 121.33M 1.24B 3.04B
EV to EBITDA
 8.89 3.79 0.47 5.99 7.19
EV to Sales
 1.90 0.83 0.24 2.73 3.90
EV to Free Cash Flow
 6.34 3.15 0.05 0.57 2.61
EV to Operating Cash Flow
 6.32 3.14 0.05 0.57 2.60
Tangible Book Value Per Share
 7.30 6.31 5.94 5.35 5.14
Shareholders’ Equity Per Share
 8.21 7.18 6.76 6.08 5.84
Tax and Other Ratios
Effective Tax Rate
 0.29 0.30 0.27 0.23 0.25
Revenue Per Share
 6.28 6.28 2.39 1.96 3.21
Net Income Per Share
 0.94 0.91 0.89 0.66 1.29
Tax Burden
 0.71 0.70 0.73 0.77 0.75
Interest Burden
 0.99 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.09 0.09 0.12 0.11 0.06
Stock-Based Compensation to Revenue
 0.00 <0.01 0.02 0.03 0.01
Income Quality
 2.00 1.83 8.73 10.86 2.80
Currency in GBP