A Business at a Glance
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PARAGON BANKING GROUP PLC ORD 1 operates in the Financial - Mortgages industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 663M | 663M | 618M | 560M | 458M | 427M |
| Net Income | 238M | 238M | 238M | 192M | 387M | 226M |
| EPS | $1.16 | $1.16 | $1.09 | $0.83 | $1.55 | $0.87 |
| Free Cash Flow | 498M | 498M | 2.8B | 2.7B | 1.4B | 1.2B |
| ROIC | 0.9% | 12.7% | 13.1% | 10.9% | 22.1% | 13.2% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | - | - | - | - | - |
| Dividends/Share | $0.54 | $0.54 | $0.51 | $0.38 | $34.88 | $0.30 |
| Operating Income | 339M | 339M | 325M | 250M | 515M | 294M |
| Operating Margin | 51.1% | - | - | - | - | - |
| ROE | 12.7% | 12.9% | 13.3% | 11.0% | 22.4% | 13.2% |
| Shares Outstanding | 198M | 198M | 210M | 224M | 243M | 252M |
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 427M | 458M | 560M | 618M | 663M | 663M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 294M | 515M | 250M | 325M | 339M | 339M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | 51.1% |
| Net Income | 226M | 387M | 192M | 238M | 238M | 238M |
| Net Margin | 53.0% | 84.5% | 34.3% | 38.5% | 35.9% | 35.9% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 13.2% | 22.1% | 10.9% | 13.1% | 12.7% | 0.9% |
| ROE | 13.2% | 22.4% | 11.0% | 13.3% | 12.9% | 12.7% |
| ROA | 1.1% | 1.9% | 0.9% | 1.0% | 0.9% | 0.9% |
| Cash Flow | ||||||
| Op. Cash Flow | 1.2B | 1.4B | 2.7B | 2.8B | 498M | 498M |
| Free Cash Flow | 1.2B | 1.4B | 2.7B | 2.8B | 498M | 498M |
| Owner Earnings | 1.2B | 1.4B | 2.7B | 2.8B | 498M | 498M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | ||||||
| Dividends Paid | 75M | 85M | 85M | 107M | 107M | 107M |
| Dividend Yield | 4.2% | 5.6% | 5.7% | 5.5% | 4.9% | 6.9% |
| Share Buybacks | 58M | 98M | 150M | 114M | 175M | 175M |
| Buyback Yield | 3.1% | 6.2% | 7.6% | 5.9% | 7.7% | 11.3% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -3.2B |
| Cash & Equiv. | 1.9B | 2.4B | 3.7B | 3.2B | 3.2B | 3.2B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | 1.6 | 2.4 | 0.4 | 0.3 | 0.3 | 0.3 |
| Equity | 1.7B | 1.7B | 1.8B | 1.8B | 1.9B | 1.9B |
| Total Assets | 20.8B | 20.5B | 23.0B | 24.7B | 26.3B | 26.3B |
| Total Liabilities | 19.1B | 18.8B | 21.2B | 22.8B | 24.4B | 24.4B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | N/A | N/A | N/A | N/A | N/A |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | 0.87 | 1.55 | 0.83 | 1.09 | 1.16 | 1.16 |
| Owner EPS | 4.78 | 5.94 | 12.10 | 13.49 | 2.52 | 2.52 |
| Book Value | 6.77 | 7.20 | 7.86 | 8.64 | 9.48 | 9.48 |
| Cash Flow/Share | 4.78 | 5.94 | 12.10 | 13.49 | -2.52 | 1.20 |
| Dividends/Share | 0.30 | 34.88 | 0.38 | 0.51 | 0.54 | 0.54 |
| Shares Out. | 252.3M | 242.7M | 224.0M | 210.2M | 197.7M | 197.7M |
| Valuation | ||||||
| P/E Ratio | 8.6 | 4.2 | 10.7 | 8.5 | 9.9 | 6.7 |
| P/FCF | 1.6 | 1.1 | 0.7 | 0.7 | 4.6 | 3.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | -4.7 |
| Price/Book | 1.1 | 0.9 | 1.1 | 1.1 | 1.2 | 0.8 |
| Price/Sales | 4.4 | 3.5 | 3.6 | 3.1 | 3.4 | 2.3 |
| FCF Yield | 63.9% | 90.6% | 136.2% | 146.2% | 22.0% | 32.2% |
| Market Cap | 1.9B | 1.6B | 2.0B | 1.9B | 2.3B | 1.5B |
| Avg. Price | 7.01 | 6.22 | 6.66 | 9.27 | 11.11 | 7.82 |
| Year-End Price | 7.48 | 6.55 | 8.89 | 9.23 | 11.48 | 7.82 |
PARAGON BANKING GROUP PLC ORD 1 passes 3 of 9 quality checks, indicating weak fundamentals.
PARAGON BANKING GROUP PLC ORD 1 trades at 6.7x trailing earnings, compared to its 15-year median P/E of 8.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 3.1x vs a median of 1.1x. The company's 5-year average ROIC is 14.4%. Total shareholder yield (dividends + buybacks) is 18.2%. At current prices, the estimated annualized return to fair value is +12.6%.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a current P/E ratio of 6.7, compared to its historical median P/E of 8.6. The stock is currently considered Fair based on its historical valuation range.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a 5-year average return on invested capital (ROIC) of 14.4%. This indicates solid capital allocation.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a market capitalization of $1.5B. It is classified as a small-cap stock.
Yes, PARAGON BANKING GROUP PLC ORD 1 (PAG-L) pays a dividend with a trailing twelve-month yield of 6.92%. The company also returns capital through share buybacks, with a buyback yield of 11.31%.
Based on historical P/E analysis, PARAGON BANKING GROUP PLC ORD 1 (PAG-L) appears fair. The current P/E of 6.7 is 22% below its historical median of 8.6. The estimated fair value CAGR (P/E method) is 4.1%.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) operates in the Financial - Mortgages industry, within the Financial Services sector.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) reported annual revenue of $663 million in its most recent fiscal year, based on SEC EDGAR filings.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a net profit margin of 35.9%. This is a strong margin indicating high profitability.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) generated $498 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) reported earnings per share (EPS) of $1.16 in its most recent fiscal year.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a return on equity (ROE) of 12.9%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for PARAGON BANKING GROUP PLC ORD 1 (PAG-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PARAGON BANKING GROUP PLC ORD 1 (PAG-L) has a book value per share of $9.48, based on its most recent annual SEC filing.
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