Key Takeaways Strategic investment in technology and AI aims to enhance efficiency and customer experience, driving improved net margins and earnings growth. Shifting focus to higher-margin commercial lending and robust loan growth supports future revenue and net interest margin expansion.Read more

UK£10

18.7% undervalued

AnalystConsensusTarget Fair Value

Revenue growth

2.99% p.a.

Profit Margin

40.18%

Future PE

10.43x

Share price in 2028

UK£12.87

Snowflake Analysis

Very undervalued with excellent balance sheet and pays a dividend.

1 Risk

4 Rewards

View Full Analysis

Paragon Banking Group PLC Key Details

Last Reported Earnings

Mar 31, 2025

Next Reporting Earnings

Dec 03, 2025

: 1.08
: 59.36%
: 41.08%
: 107.6%

View Full Analysis

About PAG

Founded: 1985
Employees: 1395
CEO: Nigel Terrington
WebsiteView website: www.paragonbankinggroup.co.uk

Paragon Banking Group PLC provides financial products and services in the United Kingdom. It operates in two segments, Mortgage Lending and Commercial Lending. The Mortgage Lending segment offers buy-to-let mortgages, as well as includes owner-occupied first and second charge mortgages. The Commercial Lending segment comprises SME lending, such as hire purchase, and finance and operating leases; and provides development finance, motor finance, structured lending, and other products. It offers a range of savings products; and deposits taking, residential mortgages, loan and vehicle finance, contract hire, surveyors and property consulting, asset and portfolio administration, asset and development finance, consumer loan finance, and asset investment services, as well as acts as an asset finance broker. The company was formerly known as The Paragon Group of Companies PLC and changed its name to Paragon Banking Group PLC in September 2017. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.