Paragon Banking Group PLC (PAG.L)
Solihull, GB
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.83% | -3.22% | +3.09% | -6.24% | -3.78% | -12.05% | -17.33% | +49.26% | +48.22% | +144.79% | +191.01% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 9 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Mortgages: +18.2%+147.6% ★ Q1'26: +206.2% (vs Q1'24)
-
EPS growth Financial - Mortgages: +18.3%+3.5% Q1'26: +35.1% (vs Q1'24)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%-40.3% Q1'26: +31.3% (vs Q1'24)
-
EBIT margin Financial - Mortgages: +34.8%+20.7% Q1'26: +22.4% (vs Q1'24)
-
ROIC Financial - Mortgages: +4.9%+5.8% ★ Q1'26: +16.1% (vs Q1'24)
-
Share dilution Financial - Mortgages: 0.0%-6.0% ★ Q1'26: -11.7% (vs Q1'24)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×6.27× ★ Q1'26: 4.70× (vs Q1'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Sep 2000 actual |
Sep 2001 actual |
Sep 2003 actual |
Sep 2005 actual |
Sep 2006 actual |
Sep 2007 actual |
Sep 2008 actual |
Sep 2009 actual |
Sep 2010 actual |
Sep 2011 actual |
Sep 2012 actual |
Sep 2013 actual |
Sep 2014 actual |
Sep 2015 actual |
Sep 2016 actual |
Sep 2017 actual |
Sep 2018 actual |
Sep 2019 actual |
Sep 2020 actual |
Sep 2021 actual |
Sep 2022 actual |
Sep 2023 actual |
Sep 2024 actual |
Sep 2025 actual |
Sep 2026 9 Rev. Ana. 9 EPS Ana. |
Sep 2027 9 Rev. Ana. 9 EPS Ana. |
Sep 2028 9 Rev. Ana. 9 EPS Ana. |
Sep 2029 7 Rev. Ana. 6 EPS Ana. |
Sep 2030 8 Rev. Ana. 7 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
62.30M
est: 72.84M (-14.5%)
|
73.40M
est: 84.83M (-13.5%)
|
76.50M
est: 103.73M (-26.3%)
|
—
est: 107.40M (-100.0%)
|
142.90M
est: 173.21M (-17.5%)
|
155.80M
est: 177.47M (-12.2%)
|
140.40M
est: 172.73M (-18.7%)
|
134.80M
est: 152.08M (-11.4%)
|
133.40M
est: 148.00M (-9.9%)
|
135.80M
est: 146.92M (-7.6%)
|
170.20M
est: 178.86M (-4.8%)
|
179.20M
est: 193.44M (-7.4%)
|
198.50M
est: 202.45M (-2.0%)
|
211.00M
est: 216.95M (-2.7%)
|
253.40M
est: 250.76M (+1.1%)
|
263.80M
est: 254.95M (+3.5%)
|
315.60M
est: 277.46M (+13.7%)
|
306.70M
est: 300.85M (+1.9%)
|
309.70M
est: 295.33M (+4.9%)
|
354.50M
est: 320.60M (+10.6%)
|
779.40M
est: 373.15M (+108.9%)
|
455.10M
est: 464.60M (-2.0%)
|
501.20M
est: 491.83M (+1.9%)
|
1.24B
est: 505.73M (+145.4%)
|
510.64M
505.77M – 515.79M
+1.0% YoY
|
522.35M
513.20M – 533.06M
+2.3% YoY
|
544.10M
542.21M – 546.00M
+4.2% YoY
|
546.00M
538.58M – 554.39M
+0.3% YoY
|
560.00M
552.39M – 568.61M
+2.6% YoY
|
| EBITDA |
—
est: 34.13M (-100.0%)
|
—
est: 42.86M (-100.0%)
|
—
est: 51.75M (-100.0%)
|
496.40M
est: 55.77M (+790.1%)
|
444.60M
est: 104.51M (+325.4%)
|
686.80M
est: 90.72M (+657.1%)
|
673.50M
est: 92.56M (+627.6%)
|
416.00M
est: 51.12M (+713.8%)
|
—
est: 56.64M (-100.0%)
|
83.70M
est: 74.25M (+12.7%)
|
—
est: 101.90M (-100.0%)
|
214.30M
est: 106.64M (+101.0%)
|
125.70M
est: 113.76M (+10.5%)
|
137.10M
est: 135.50M (+1.2%)
|
146.70M
est: 153.68M (-4.5%)
|
152.70M
est: 154.67M (-1.3%)
|
191.40M
est: 169.58M (+12.9%)
|
170.50M
est: 189.83M (-10.2%)
|
132.20M
est: 164.23M (-19.5%)
|
220.00M
est: 169.04M (+30.1%)
|
423.40M
est: 179.19M (+136.3%)
|
207.50M
est: 219.17M (-5.3%)
|
260.40M
est: 198.69M (+31.1%)
|
272.30M
est: 238.58M (+14.1%)
|
240.89M
238.60M – 243.32M
+1.0% YoY
|
246.42M
242.10M – 251.47M
+2.3% YoY
|
256.68M
255.79M – 257.57M
+4.2% YoY
|
257.58M
254.08M – 261.53M
+0.3% YoY
|
264.18M
260.59M – 268.24M
+2.6% YoY
|
| EBIT |
-14.00M
est: 33.33M (-142.0%)
|
-20.70M
est: 41.34M (-150.1%)
|
-35.70M
est: 49.93M (-171.5%)
|
460.70M
est: 53.80M (+756.3%)
|
440.90M
est: 108.46M (+306.5%)
|
682.70M
est: 86.84M (+686.2%)
|
676.70M
est: 88.57M (+664.0%)
|
412.10M
est: 47.33M (+770.8%)
|
-3.20M
est: 52.84M (-106.1%)
|
80.80M
est: 71.28M (+13.4%)
|
-3.10M
est: 98.37M (-103.2%)
|
211.00M
est: 103.29M (+104.3%)
|
122.80M
est: 110.31M (+11.3%)
|
134.20M
est: 132.37M (+1.4%)
|
143.20M
est: 150.43M (-4.8%)
|
146.40M
est: 150.98M (-3.0%)
|
181.50M
est: 165.58M (+9.6%)
|
159.00M
est: 185.73M (-14.4%)
|
118.40M
est: 160.29M (-26.1%)
|
213.70M
est: 164.99M (+29.5%)
|
417.90M
est: 174.90M (+138.9%)
|
199.90M
est: 212.91M (-6.1%)
|
253.80M
est: 208.08M (+22.0%)
|
256.50M
est: 231.76M (+10.7%)
|
234.01M
231.78M – 236.37M
+1.0% YoY
|
239.37M
235.18M – 244.28M
+2.3% YoY
|
249.34M
248.47M – 250.21M
+4.2% YoY
|
250.21M
246.81M – 254.06M
+0.3% YoY
|
256.63M
253.14M – 260.57M
+2.6% YoY
|
| Net Income |
28.50M
est: 80.14M (-64.4%)
|
32.90M
est: 33.19M (-0.9%)
|
40.30M
est: 40.08M (+0.5%)
|
60.70M
est: 43.19M (+40.5%)
|
68.80M
est: 85.72M (-19.7%)
|
62.80M
est: 72.15M (-13.0%)
|
37.10M
est: 61.12M (-39.3%)
|
41.10M
est: 32.70M (+25.7%)
|
53.90M
est: 40.00M (+34.8%)
|
59.60M
est: 53.51M (+11.4%)
|
72.20M
est: 72.56M (-0.5%)
|
85.20M
est: 78.09M (+9.1%)
|
97.20M
est: 89.17M (+9.0%)
|
107.10M
est: 104.78M (+2.2%)
|
116.00M
est: 120.05M (-3.4%)
|
117.20M
est: 122.30M (-4.2%)
|
145.80M
est: 134.02M (+8.8%)
|
127.40M
est: 149.20M (-14.6%)
|
91.30M
est: 128.44M (-28.9%)
|
164.50M
est: 132.20M (+24.4%)
|
313.60M
est: 242.40M (+29.4%)
|
153.90M
est: 189.06M (-18.6%)
|
186.00M
est: 204.90M (-9.2%)
|
180.30M
est: 215.51M (-16.3%)
|
224.57M
214.28M – 234.86M
+4.2% YoY
|
246.57M
228.94M – 264.20M
+9.8% YoY
|
278.21M
234.00M – 322.43M
+12.8% YoY
|
278.87M
273.94M – 284.44M
+0.2% YoY
|
293.85M
288.66M – 299.72M
+5.4% YoY
|
| SGA |
—
est: 5.90M (-100.0%)
|
—
est: 6.87M (-100.0%)
|
—
est: 8.40M (-100.0%)
|
—
est: 8.70M (-100.0%)
|
9.80M
est: 14.03M (-30.1%)
|
10.10M
est: 28.63M (-64.7%)
|
6.40M
est: 28.52M (-77.6%)
|
6.80M
est: 29.52M (-77.0%)
|
9.50M
est: 34.45M (-72.4%)
|
11.20M
est: 39.31M (-71.5%)
|
13.10M
est: 51.74M (-74.7%)
|
16.20M
est: 52.78M (-69.3%)
|
17.40M
est: 57.88M (-69.9%)
|
19.20M
est: 65.22M (-70.6%)
|
28.30M
est: 76.56M (-63.0%)
|
31.90M
est: 93.83M (-66.0%)
|
34.70M
est: 112.98M (-69.3%)
|
39.10M
est: 112.77M (-65.3%)
|
43.70M
est: 122.29M (-64.3%)
|
41.20M
est: 125.87M (-67.3%)
|
43.90M
est: 133.43M (-67.1%)
|
51.80M
est: 46.19M (+12.1%)
|
59.40M
est: 147.95M (-59.9%)
|
114.50M
est: 50.28M (+127.7%)
|
50.77M
50.29M – 51.28M
+1.0% YoY
|
51.94M
51.03M – 53.00M
+2.3% YoY
|
54.10M
53.91M – 54.29M
+4.2% YoY
|
54.29M
53.55M – 55.12M
+0.3% YoY
|
55.68M
54.92M – 56.54M
+2.6% YoY
|
| EPS |
2.13
est: 0.39 (+445.4%)
|
2.46
est: 0.46 (+432.2%)
|
3.02
est: 0.58 (+419.8%)
|
0.20
est: 0.76 (-73.8%)
|
5.20
est: 0.90 (+478.8%)
|
4.83
est: 0.91 (+428.2%)
|
0.18
est: 0.19 (-7.2%)
|
0.14
est: 0.10 (+42.5%)
|
0.18
est: 0.16 (+15.7%)
|
0.20
est: 0.20 (+2.1%)
|
0.24
est: 0.24 (+1.5%)
|
0.28
est: 0.27 (+5.6%)
|
0.32
est: 0.32 (+0.4%)
|
0.36
est: 0.35 (+3.3%)
|
0.41
est: 0.39 (+3.8%)
|
0.43
est: 0.43 (+1.1%)
|
0.56
est: 0.47 (+18.3%)
|
0.49
est: 0.50 (-1.8%)
|
0.36
est: 0.34 (+5.4%)
|
0.65
est: 0.53 (+22.5%)
|
1.29
est: 0.66 (+95.5%)
|
0.69
est: 0.92 (-25.1%)
|
0.89
est: 0.96 (-7.2%)
|
0.91
est: 1.05 (-13.3%)
|
1.09
1.04 – 1.14
+3.7% YoY
|
1.21
1.12 – 1.29
+10.8% YoY
|
1.36
1.14 – 1.57
+13.0% YoY
|
1.36
1.34 – 1.39
-0.3% YoY
|
1.43
1.41 – 1.46
+5.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-28 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-27 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-26 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-22 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-21 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Amundi Prime UK Mid & Small Cap UCITS ETF DR - GBP (D) PRUK.L | 0.79% | 3.37M | 0.05% |
| 2 | iShares UK Dividend UCITS ETF IUKD.SW | 0.61% | 10.46M | 0.40% |
| 3 | Invesco FTSE 250 UCITS ETF S250.L | 0.48% | 170.9K | 0.12% |
| 4 | iShares FTSE 250 UCITS ETF MIDD.L | 0.48% | 4.03M | 0.40% |
| 5 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.47% | 12.53M | 0.10% |
| 6 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.47% | 12.53M | 0.10% |
| 7 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.47% | 315.1K | 0.09% |
| 8 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.47% | 179.0K | 0.15% |
| 9 | iShares MSCI United Kingdom Small-Cap ETF EWUS | 0.42% | 170.2K | 0.59% |
| 10 | iShares MSCI UK Small Cap UCITS ETF CUKS.L | 0.42% | 536.6K | 0.58% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Nigel Stewart Terrington | Chief Executive & Director | 2M | male |
| Richard J. Woodman | Chief Financial Officer & Director | 1M | male |
| Dave Newcombe | Managing Director of Commercial Lending | — | male |
| Jan Greenhalgh | Head of New Business-Asset Finance | — | female |
| John Phillipou | Managing Director of Small & Medium-sized Enterprise Lending | — | male |
| Andrea Knott | Chief People Officer | — | female |
| Michael Francis Helsby | Managing Director of Strategic Development | — | male |
| Nicola Foster | Head of Corporate Communications | — | — |
| Marius Van Niekerk | General Counsel & Secretary | — | male |
| Anup Sangha | Head of Credit- Asset Finance | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PAG.L
Short-term intention
Target Price Distribution
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