Subscribe

Paragon Banking Group PLC (PAG.L)

GBp796.00 -1.00 (-0.13%)
GB LSE Financial Services Financial - Mortgages
Address 51 Homer Road B91 3QJ
Solihull, GB
CEO Nigel Stewart Terrington
IPO 1988-07-01
ISIN GB00B2NGPM57

Explore sections of this company profile

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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
GBp796.00 -1.00 (-0.13%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
438.8K
Beta
1.18
Float Shares
177.00M
Free Float %
94.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.83% -3.22% +3.09% -6.24% -3.78% -12.05% -17.33% +49.26% +48.22% +144.79% +191.01%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
796.00
DCF (Unlevered) 5,668.64 +612.1%
DCF (Levered) 9,168.93 +1,051.9%

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.

Ratings Trend (MoM) 83% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 9 0
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.40
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • 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)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.18) × ERP
WACC = 48% × Ke + 52% × Kd (43.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 5,668.64 Current price: 796.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
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
Historical Ratings (3M)
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

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.72B
OE per share TTM
7.78
Owner's Yield
113.65%
Maintenance CapEx ratio
0.73%
Maint CapEx / Avg PPE
12.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 92 ETFs in our universe
# 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

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
181.8K
Shares Outstanding
187.77M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
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
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits