Paragon Banking Group (BATS-CHIXE:PAGL) - Stock Price, News & Analysis

PAGL Stock Overview

Paragon Banking Group PLC provides financial products and services in the United Kingdom.

PAGL fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	2/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 58.3% below our estimate of its fair value

Earnings are forecast to grow 4.48% per year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Profit margins (39.1%) are lower than last year (73.5%)

Paragon Banking Group PLC Competitors

OSB Group

LSE:OSB

UK£1.6b

Nationwide Building Society

LSE:NBS

UK£1.3b

Mortgage Advice Bureau (Holdings)

AIM:MAB1

UK£491.5m

Plus500

LSE:PLUS

UK£1.7b

Price History & Performance

Summary of all time highs, changes and price drops for Paragon Banking Group
Historical stock prices
Current Share Price	UK£7.09
52 Week High	UK£7.23
52 Week Low	UK£4.39
Beta	1.5
1 Month Change	2.98%
3 Month Change	8.83%
1 Year Change	44.93%
3 Year Change	48.08%
5 Year Change	53.40%
Change since IPO	291.50%

Recent updates

Shareholder Returns

	PAGL	GB Diversified Financial	GB Market
7D	0.7%	-0.4%	1.1%
1Y	44.9%	15.7%	1.9%

Return vs Industry: PAGL exceeded the UK Diversified Financial industry which returned 17% over the past year.

Return vs Market: PAGL exceeded the UK Market which returned 2.3% over the past year.

Price Volatility

Is PAGL's price volatile compared to industry and market?
PAGL volatility
PAGL Average Weekly Movement	2.9%
Diversified Financial Industry Average Movement	4.3%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	11.5%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: PAGL has not had significant price volatility in the past 3 months.

Volatility Over Time: PAGL's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1985	1,522	Nigel Terrington	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.

Paragon Banking Group PLC Fundamentals Summary

How do Paragon Banking Group's earnings and revenue compare to its market cap?
PAGL fundamental statistics
Market cap	UK£1.47b
Earnings (TTM)	UK£153.90m
Revenue (TTM)	UK£393.30m

9.6x

P/E Ratio

3.7x

P/S Ratio

Is PAGL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PAGL income statement (TTM)
Revenue	UK£393.30m
Cost of Revenue	UK£187.60m
Gross Profit	UK£205.70m
Other Expenses	UK£51.80m
Earnings	UK£153.90m

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

Jun 05, 2024

Earnings per share (EPS)	0.74
Gross Margin	52.30%
Net Profit Margin	39.13%
Debt/Equity Ratio	221.6%

How did PAGL perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

54%

Payout Ratio

PAGL Stock Overview

Rewards

Risk Analysis

Paragon Banking Group PLC Competitors

LSE:OSB

UK£1.6b

LSE:NBS

UK£1.3b

AIM:MAB1

UK£491.5m

LSE:PLUS

UK£1.7b

Price History & Performance

Recent News & Updates

Paragon Banking Group PLC Approves the Appointment of Zoe Howorth as A Director

Paragon Banking Group plc Approves Final Dividend

Paragon Banking Group PLC Announces Non-Executive Director, Hugo Tudor No Longer Be Consider as Independent Director and Resigns from Audit Committee, Nomination Committee, Risk and Compliance Committee and Remuneration Committee

Chief Executive & Director recently sold UK£414k worth of stock

Full year 2023 earnings released: EPS: UK£0.69 (vs UK£1.29 in FY 2022)

Upcoming dividend of UK£0.26 per share at 5.3% yield

Recent updates

Paragon Banking Group PLC Approves the Appointment of Zoe Howorth as A Director

Paragon Banking Group plc Approves Final Dividend

Paragon Banking Group PLC Announces Non-Executive Director, Hugo Tudor No Longer Be Consider as Independent Director and Resigns from Audit Committee, Nomination Committee, Risk and Compliance Committee and Remuneration Committee

Chief Executive & Director recently sold UK£414k worth of stock

Full year 2023 earnings released: EPS: UK£0.69 (vs UK£1.29 in FY 2022)

Upcoming dividend of UK£0.26 per share at 5.3% yield

Investor sentiment improves as stock rises 15%

Chief Executive & Director recently bought UK£208k worth of stock

Full year 2023 earnings released: EPS: UK£0.69 (vs UK£1.29 in FY 2022)

Paragon Banking Group PLC, Annual General Meeting, Mar 06, 2024

Paragon Banking Group plc Announces Final Dividend, Payable on 8 March 2024

Paragon Banking Group plc Announces Board Committee Change

Paragon Announces Director Changes

Paragon Banking Group PLC to Report Q3, 2024 Results on Jul 25, 2024

Upcoming dividend of UK£0.11 per share at 5.8% yield

Now 21% undervalued

Investor sentiment improves as stock rises 15%

Now 22% undervalued after recent price drop

Paragon Banking Group PLC Appoints Zoe Howorth as A Non-Executive Director and Member of the Risk and Compliance and Remuneration Committees, Effective June 1, 2023

Now 22% undervalued after recent price drop

Now 21% undervalued after recent price drop

Paragon Banking Group PLC to Report First Half, 2024 Results on Jun 05, 2024

Full year 2022 earnings released: EPS: UK£1.29 (vs UK£0.65 in FY 2021)

Upcoming dividend of UK£0.19 per share at 4.9% yield

Full year 2022 earnings released: EPS: UK£1.29 (vs UK£0.65 in FY 2021)

Less than half of directors are independent

Investor sentiment deteriorated over the past week

Less than half of directors are independent

Paragon Banking Group PLC Appoints Tanvi Davda as a Non-Executive Director and Member of the Risk and Compliance and Remuneration Committees

Paragon Banking Group PLC, Annual General Meeting, Mar 01, 2023

Paragon Banking Group plc Announces Directorate Change

Upcoming dividend of UK£0.094 per share

First half 2022 earnings released: EPS: UK£0.44 (vs UK£0.29 in 1H 2021)

Paragon Banking Group PLC Declares Interim Dividend for the Year Ending 30 September 2022, Payable on 29 July 2022

Paragon Banking Group PLC Approves Final Dividend

Paragon Banking Group PLC Approves Final Dividend

Now 20% undervalued

Paragon Banking Group PLC to Report Fiscal Year 2023 Results on Dec 06, 2023

Paragon Banking Group PLC to Report First Half, 2023 Results on Jun 06, 2023

Upcoming dividend of UK£0.19 per share

Full year 2021 earnings: EPS in line with analyst expectations despite revenue beat

Upcoming dividend of UK£0.072 per share

Paragon Banking Group PLC (LSE:PAG) commences an Equity Buyback Plan for 25,600,000 shares, representing 10% of its issued share capital, under the authorization approved on February 24, 2021.

First half 2021 earnings released: EPS UK£0.29 (vs UK£0.18 in 1H 2020)

New 90-day high: UK£4.76

Full year 2020 earnings released: EPS UK£0.36

New 90-day high: UK£4.52

Paragon Banking Group PLC to Report Fiscal Year 2021 Results on Dec 07, 2021

Paragon Banking Group PLC Appoints Peter Hill as A Non-Executive Director and Member of the Risk and Compliance Committee

Paragon Banking Group PLC (LSE:PAG) acquired Titlestone Property Finance from Oaktree Capital Management, L.P. for £48 million.

Shareholder Returns

Price Volatility

About the Company

Paragon Banking Group PLC Fundamentals Summary

9.6x

3.7x

Earnings & Revenue

Dividends

5.3%