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Paragon Banking Group PLC (PAG) Ratios
Paragon Banking Group PLC Ratios
GB:PAG's free cash flow for Q2 2026 was $186.40M. For the 2026 fiscal year, GB:PAG's free cash flow was decreased by $-400.00K and operating cash flow was $186.80M. See a summary of the company’s cash flow.
| Ratios | Sep 25 | Sep 24 | Sep 23 | Sep 22 | Sep 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.28 | 0.15 | 15.91 | 34.64 | 41.97 |
| Quick Ratio | 0.28 | 0.15 | 31.98 | 69.43 | 41.97 |
| Cash Ratio | 0.28 | 0.15 | 15.91 | 34.54 | 41.09 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.04 | 0.13 | 11.54 | 20.91 | 26.53 |
| Short-Term Operating Cash Flow Coverage | 3.20 | 20.47 | 41.13 | 6.77 | 2.21 |
| Net Current Asset Value | $ -16.10B | $ -15.30B | $ -14.02B | $ -13.30B | $ -12.51B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.05 | 0.17 | 0.24 | 0.29 |
| Debt-to-Equity Ratio | 1.20 | 0.71 | 2.19 | 2.83 | 3.59 |
| Debt-to-Capital Ratio | 0.55 | 0.42 | 0.69 | 0.74 | 0.78 |
| Long-Term Debt-to-Capital Ratio | 0.53 | 0.39 | 0.68 | 0.73 | 0.57 |
| Financial Leverage Ratio | 14.03 | 13.58 | 13.06 | 11.75 | 12.19 |
| Debt Service Coverage Ratio | 0.22 | 0.20 | 0.26 | 0.92 | 0.32 |
| Interest Coverage Ratio | 0.34 | 0.31 | 0.36 | 2.39 | 1.61 |
| Debt to Market Cap | 0.99 | 0.62 | 2.70 | 4.18 | 1.48 |
| Interest Debt Per Share | 12.41 | 8.78 | 15.75 | 17.27 | 18.21 |
| Net Debt to EBITDA | -2.61 | -5.81 | 0.49 | 4.93 | 14.09 |
| Profitability Margins | |||||
| Gross Profit Margin | 36.45% | 100.00% | 100.00% | 77.61% | 101.92% |
| EBIT Margin | 20.67% | 50.64% | 43.92% | 53.62% | 60.28% |
| EBITDA Margin | 21.11% | 51.96% | 45.59% | 54.32% | 62.06% |
| Operating Profit Margin | 20.67% | 50.64% | 43.92% | 53.62% | 60.28% |
| Pretax Profit Margin | 20.67% | 50.64% | 43.92% | 53.62% | 60.28% |
| Net Profit Margin | 14.53% | 37.11% | 33.82% | 40.24% | 46.40% |
| Continuous Operations Profit Margin | 14.53% | 37.11% | 33.82% | 40.24% | 46.40% |
| Net Income Per EBT | 70.29% | 73.29% | 76.99% | 75.04% | 76.98% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.90% | 0.97% | 0.84% | 1.88% | 1.09% |
| Return on Equity (ROE) | 12.70% | 13.10% | 10.91% | 22.13% | 13.25% |
| Return on Capital Employed (ROCE) | 2.25% | 9.25% | 1.10% | 2.52% | 1.41% |
| Return on Invested Capital (ROIC) | 1.56% | 6.52% | 0.84% | 12.48% | 8.05% |
| Return on Tangible Assets | 0.91% | 0.97% | 0.84% | 1.90% | 1.10% |
| Earnings Yield | 10.51% | 11.39% | 13.48% | 32.73% | 11.95% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 45.15 | 56.89 | 149.88 | 65.65 |
| Payables Turnover | 4.29 | 0.00 | 0.00 | 3.12 | 4.02 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.09 | 0.00 |
| Fixed Asset Turnover | 16.12 | 7.06 | 6.09 | 10.92 | 5.04 |
| Asset Turnover | 0.06 | 0.03 | 0.02 | 0.05 | 0.02 |
| Working Capital Turnover Ratio | -0.12 | -0.09 | 0.19 | 0.48 | 0.22 |
| Cash Conversion Cycle | -85.02 | 8.08 | 6.42 | -4183.46 | -85.28 |
| Days of Sales Outstanding | 0.00 | 8.08 | 6.42 | 2.44 | 5.56 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -4068.97 | 0.00 |
| Days of Payables Outstanding | 85.02 | 0.00 | 0.00 | 116.93 | 90.84 |
| Operating Cycle | 0.00 | 8.08 | 6.42 | -4066.53 | 5.56 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.66 | 10.55 | 9.36 | 4.82 | 3.48 |
| Free Cash Flow Per Share | 1.66 | 10.52 | 9.34 | 4.80 | 3.46 |
| Dividend Paid and CapEx Coverage Ratio | 4.00 | 26.26 | 30.54 | 16.25 | 14.91 |
| Capital Expenditure Coverage Ratio | 253.15 | 2462.67 | 678.66 | 389.57 | 204.21 |
| Operating Cash Flow Coverage Ratio | 0.19 | 2.19 | 0.70 | 0.29 | 0.20 |
| Operating Cash Flow to Sales Ratio | 0.27 | 4.42 | 4.77 | 1.50 | 2.48 |
| Free Cash Flow Yield | 19.11% | 135.35% | 189.88% | 121.66% | 63.49% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.53 | 8.78 | 7.42 | 3.06 | 8.37 |
| Price-to-Sales (P/S) Ratio | 1.38 | 3.26 | 2.51 | 1.23 | 3.88 |
| Price-to-Book (P/B) Ratio | 1.21 | 1.15 | 0.81 | 0.68 | 1.11 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 5.23 | 0.74 | 0.53 | 0.82 | 1.58 |
| Price-to-Operating Cash Flow Ratio | 5.21 | 0.74 | 0.53 | 0.82 | 1.57 |
| Price-to-Earnings Growth (PEG) Ratio | 4.24 | 0.30 | -0.16 | 0.03 | 0.10 |
| Enterprise Value Multiple | 3.94 | 0.47 | 5.99 | 7.19 | 20.35 |
| Enterprise Value | 1.03B | 121.33M | 1.24B | 3.04B | 4.48B |
| EV to EBITDA | 3.94 | 0.47 | 5.99 | 7.19 | 20.35 |
| EV to Sales | 0.83 | 0.24 | 2.73 | 3.90 | 12.63 |
| EV to Free Cash Flow | 3.15 | 0.05 | 0.57 | 2.61 | 5.12 |
| EV to Operating Cash Flow | 3.14 | 0.05 | 0.57 | 2.60 | 5.10 |
| Tangible Book Value Per Share | 6.31 | 5.94 | 5.35 | 5.14 | 4.25 |
| Shareholders’ Equity Per Share | 7.18 | 6.76 | 6.08 | 5.84 | 4.92 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.30 | 0.27 | 0.23 | 0.25 | 0.23 |
| Revenue Per Share | 6.28 | 2.39 | 1.96 | 3.21 | 1.41 |
| Net Income Per Share | 0.91 | 0.89 | 0.66 | 1.29 | 0.65 |
| Tax Burden | 0.70 | 0.73 | 0.77 | 0.75 | 0.77 |
| Interest Burden | 1.00 | 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 | 0.12 | 0.11 | 0.06 | 0.12 |
| Stock-Based Compensation to Revenue | 0.01 | 0.02 | 0.03 | 0.01 | 0.03 |
| Income Quality | 1.83 | 8.73 | 10.86 | 2.80 | 4.11 |
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