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PAG LN​
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  • Home
  • AI Agent
  • Annotations
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  • Pricing and plans
  • BlogAboutContact us
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    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

PAG LN​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

Paragon Banking Group PLC(PAG LN)

$756.00+4.500.60%(Market Open · 16:18:07 UTC · (15 min delay))
ProfileEntity StructureFinancialsChartingEmployees

Overview

ProfileEntity Structure

Financials & Metrics

FinancialsChartingEmployees

Paragon Banking Group PLC(PAG LN)

$756.00+4.500.60%(Market Open · 16:18:07 UTC · (15 min delay))
ProfileEntity StructureFinancialsChartingEmployees

Overview

ProfileEntity Structure

Financials & Metrics

FinancialsChartingEmployees
Ask AI

Paragon Banking Group PLC — Company Profile

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.

Sector
Financials
Industry
Financial Services
Exchange
LN
CEO
Nigel Stewart Terrington
Headquarters
Solihull, WM, GB
IPO Date
Jul 1, 1988
Employees
1,413
Website
www.paragonbankinggroup.co.uk

Key Metrics

Price
$715.00
Market Cap
$130.67B
Revenue (TTM)
$594.60M
Net Income (TTM)
$98.60M
EPS (TTM)
0.52
P/E (TTM)
0.00
P/B (TTM)
84.17
Dividend Yield
5.14%
ROE (TTM)
6.35%
ROA (TTM)
0.49%
Operating Margin
22.40%
Beta
0.33

Dividends

Last Dividend
$30.30
Last Yield
0.05%

Summary

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.

Website
www.paragonbankinggroup.co.uk
Location
Solihull, WM, GB
Phone44 34 5849 4000
Employees1,413
CEONigel Stewart Terrington
Sector
Financials
Industry
Financial Services
IPO DateJul 1, 1988

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Key Stats

Trading

Px/Chg 1D$715.00 / -0.49%
Prev Close$796.00
% of 52Wk H86.12%
Avg Volume449.57K
Beta0.33
Mkt Cap130.67B
FD Mkt Cap145.75B

Float

Shrs Out/Float182.76M / 171.90M
Short Float0.00%
Days to Cover0.00
Stock Repurchased$58.30M

Current Valuation

EV131.57B
EV/EBITDA0.00
EV/Sales0.00
P/B84.17
P/S0.00
FCF Yield0.14%
ROE6.35%
ROA0.49%
Current Ratio16.10

Dividend

Cash$30.30
Yield5.14%
Yield (TTM)5.14%

Estimates

P/E0.00
Est P/E0.00
Est EPS0.50
Est PEG0.00

Valuation

Metric5Yr AvgMar '23Mar '24Mar '25Mar '26Oct '26
PRICE-BASED RATIOS
Price / Earnings1,082.61404.371,041.48872.591,769.351,325.28
Price / Sales259.06162.70352.19323.83236.81219.76
Price / Book Value100.1389.47113.63114.3499.0484.17
Price / Free Cash Flow357.40108.7973.9173.41829.87701.03
ENTERPRISE VALUE METRICS
Enterprise Value144,323.7128,896.1160,384.7160,790.1139,980.7131,567.0
Enterprise Value / Sales259.11165.38352.42320.81235.66221.27
Enterprise Value / EBITDA769.63304.43772.94617.471,177.30976.02
Enterprise Value / EBIT781.87308.44802.32633.531,177.30987.74

Financials

Full Financials
Millions GBP5Yr CAGR (%)Sep '21Sep '22Sep '23Sep '24Sep '25
INCOME STATEMENT
Revenue36.8%354.5779.4455.1501.21,241.0
Gross Income5.8%361.3604.9455.1501.2452.4
EBITDA5.5%220.0423.4207.5260.4272.3
EBIT4.7%213.7417.9199.9253.8256.5
Net Income2.3%164.5313.6153.9186.0180.3
EPS (Diluted)8.7%0.631.260.660.850.88
BALANCE SHEET
Cash & ST Inv14.6%1,383.81,930.92,994.32,525.42,389.5
Total Assets7.1%15,137.016,653.618,420.219,270.019,930.0
Total Liabilities7.4%13,895.115,236.317,009.617,850.518,509.8
Total Shareholder Equity3.4%1,241.91,417.31,410.61,419.51,420.2
CASH FLOW
Net Operating Cash Flow-21.8%878.11,168.72,171.72,216.4329.1
Cap Ex-25.8%-4.3-3.0-3.2-0.9-1.3
Free Cash Flow-21.7%873.81,165.72,168.52,211.0327.8

Enterprise Value Bridge

Millions GBP10 Nov '26
Price (As of 10 Nov '26)760.00
Basic Shares182.76
Market Cap138,896.4
Diluted Shares195.90
Fully Diluted Shares Outstanding195.90
Fully Diluted Market Cap148,884.0
+Consolidated Debt2,536.3
−In-the-Money Convertible Debt—
+Capital Leases3.8
+Operating Leases—
−Cash & Equivalents-1,641.6
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value139,791.1

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Ask AI

Paragon Banking Group PLC — Company Profile

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.

Sector
Financials
Industry
Financial Services
Exchange
LN
CEO
Nigel Stewart Terrington
Headquarters
Solihull, WM, GB
IPO Date
Jul 1, 1988
Employees
1,413
Website
www.paragonbankinggroup.co.uk

Key Metrics

Price
$715.00
Market Cap
$130.67B
Revenue (TTM)
$594.60M
Net Income (TTM)
$98.60M
EPS (TTM)
0.52
P/E (TTM)
0.00
P/B (TTM)
84.17
Dividend Yield
5.14%
ROE (TTM)
6.35%
ROA (TTM)
0.49%
Operating Margin
22.40%
Beta
0.33

Dividends

Last Dividend
$30.30
Last Yield
0.05%

Summary

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.

Website
www.paragonbankinggroup.co.uk
Location
Solihull, WM, GB
Phone44 34 5849 4000
Employees1,413
CEONigel Stewart Terrington
Sector
Financials
Industry
Financial Services
IPO DateJul 1, 1988

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Key Stats

Trading

Px/Chg 1D$715.00 / -0.49%
Prev Close$796.00
% of 52Wk H86.12%
Avg Volume449.57K
Beta0.33
Mkt Cap130.67B
FD Mkt Cap145.75B

Float

Shrs Out/Float182.76M / 171.90M
Short Float0.00%
Days to Cover0.00
Stock Repurchased$58.30M

Current Valuation

EV131.57B
EV/EBITDA0.00
EV/Sales0.00
P/B84.17
P/S0.00
FCF Yield0.14%
ROE6.35%
ROA0.49%
Current Ratio16.10

Dividend

Cash$30.30
Yield5.14%
Yield (TTM)5.14%

Estimates

P/E0.00
Est P/E0.00
Est EPS0.50
Est PEG0.00

Valuation

Metric5Yr AvgMar '23Mar '24Mar '25Mar '26Oct '26
PRICE-BASED RATIOS
Price / Earnings1,082.61404.371,041.48872.591,769.351,325.28
Price / Sales259.06162.70352.19323.83236.81219.76
Price / Book Value100.1389.47113.63114.3499.0484.17
Price / Free Cash Flow357.40108.7973.9173.41829.87701.03
ENTERPRISE VALUE METRICS
Enterprise Value144,323.7128,896.1160,384.7160,790.1139,980.7131,567.0
Enterprise Value / Sales259.11165.38352.42320.81235.66221.27
Enterprise Value / EBITDA769.63304.43772.94617.471,177.30976.02
Enterprise Value / EBIT781.87308.44802.32633.531,177.30987.74

Financials

Full Financials
Millions GBP5Yr CAGR (%)Sep '21Sep '22Sep '23Sep '24Sep '25
INCOME STATEMENT
Revenue36.8%354.5779.4455.1501.21,241.0
Gross Income5.8%361.3604.9455.1501.2452.4
EBITDA5.5%220.0423.4207.5260.4272.3
EBIT4.7%213.7417.9199.9253.8256.5
Net Income2.3%164.5313.6153.9186.0180.3
EPS (Diluted)8.7%0.631.260.660.850.88
BALANCE SHEET
Cash & ST Inv14.6%1,383.81,930.92,994.32,525.42,389.5
Total Assets7.1%15,137.016,653.618,420.219,270.019,930.0
Total Liabilities7.4%13,895.115,236.317,009.617,850.518,509.8
Total Shareholder Equity3.4%1,241.91,417.31,410.61,419.51,420.2
CASH FLOW
Net Operating Cash Flow-21.8%878.11,168.72,171.72,216.4329.1
Cap Ex-25.8%-4.3-3.0-3.2-0.9-1.3
Free Cash Flow-21.7%873.81,165.72,168.52,211.0327.8

Enterprise Value Bridge

Millions GBP10 Nov '26
Price (As of 10 Nov '26)760.00
Basic Shares182.76
Market Cap138,896.4
Diluted Shares195.90
Fully Diluted Shares Outstanding195.90
Fully Diluted Market Cap148,884.0
+Consolidated Debt2,536.3
−In-the-Money Convertible Debt—
+Capital Leases3.8
+Operating Leases—
−Cash & Equivalents-1,641.6
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value139,791.1

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RKT US

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BAJAJHFL IS

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FNMA US

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PFSI US

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FMCC US

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AADHARHF IS

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