Paragon Banking Group PLC (46P1) AI Stock Analysis

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Paragon Banking Group PLC

(Frankfurt:46P1)

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Positive Factors

Solid profitabilityHealthy operating and net margins show that Paragon continues to convert lending activity into meaningful earnings. This profitability provides internal capacity to absorb credit or funding pressure, support investment, and sustain operations across the next several quarters.

Negative Factors

Rising leverageThe sharp increase in debt-to-equity signals greater reliance on debt funding and reduces balance-sheet flexibility compared with the prior year. Higher leverage can constrain capital allocation and make the business more sensitive to funding costs or credit deterioration.

Paragon Banking Group PLC (46P1) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 1.36B
Dividend Yield: 5.82%
Average Volume (3M): 595
Price to Earnings (P/E): 8.2
Beta (1Y): 0.84
Revenue Growth: -9.29%
EPS Growth: -9.62%
Country: Germany
Employees: 1,413
Sector: Financial
Sector Strength: 68
Industry: Financial - Mortgages

Paragon Banking Group PLC Business Overview & Revenue Model

Company Description

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 Lend...

Paragon Banking Group PLC Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:46P1 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:OSB	76Outperform	GBP 1.69B	6.67	13.06%	6.99%	-5.67%	8.94%
GB:ARBB	70Outperform	GBP 139.20M	7.35	6.84%	6.40%	-6.35%	16.23%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GB:MTRO	66Neutral	GBP 1.20B	22.38	7.00%	―	0.76%	-49.33%
GB:STB	52Neutral	GBP 256.15M	11.01	6.44%	2.51%	-8.35%	5.35%
GB:VANQ	51Neutral	GBP 108.18M	10.09	2.20%	―	6.21%	―

* Financial Sector Average

Performance Comparison

DE:46P1 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:46P1	Paragon Banking	9.10	0.28	3.13%
GB:ARBB	Arbuthnot Banking	860.00	24.23	2.90%
GB:MTRO	Metro Bank	178.60	69.00	62.96%
GB:OSB	OSB Group PLC	513.50	-5.86	-1.13%
GB:VANQ	Vanquis Banking Group plc	43.30	-69.70	-61.68%
GB:STB	Secure Trust Bank	1440.00	446.46	44.94%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Paragon Banking Group PLC AI Stock Analysis