Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Paragon Banking Group PLC is a specialty finance company providing diversified banking services in the United Kingdom. It operates through two core segments: Mortgages Lending and Commercial Lending. The Mortgages Lending division focuses on buy-to-let mortgages, owner-occupied first and second charge lending, and related activities, serving residential property investors and homeowners. The Commercial Lending segment targets small and medium-sized enterprises (SMEs) with equipment and motor finance leasing, development finance, structured lending, and other tailored offerings such as hire purchase, contract hire, and asset finance brokerage. Founded in 1985 and headquartered in Solihull, the company, formerly known as The Paragon Group of Companies PLC, rebranded in 2017 to reflect its banking focus. Paragon Banking Group PLC also offers savings products and deposit-taking services, alongside asset and portfolio administration, property consulting, and consumer loan finance. With approximately 1,500 employees, it plays a key role in the UK mortgage finance and SME lending markets, supporting property investment, business expansion, and equipment acquisition.
£7.74
£0.02 (-0.32%)
EOD Jul 3, 2026
34.10% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 9.8% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.8x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£529M
▲ +9.8% YoY
Net Income (TTM)
£180M
▼ -3.1% YoY
Net Margin
34.10%
P/E
8.8x
Balance Sheet
Total Assets
£19.93B
Equity
£1.42B
Total Debt
£657M
Cash & Equiv.
£2.39B
3Y CAGR: -4.4%
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At a P/E of , A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Paragon Banking Group scores 58/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 5.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Paragon Banking Group scores 58 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Paragon Banking Group pays a regular dividend of about £0.41 per share per year (typically in quarterly installments), a yield of roughly 5.3% at the current price. That is a payout ratio of about 44.9% of earnings, so the dividend is well covered. Paragon Banking Group has grown the dividend at roughly 10.4% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For PAG.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh PAG.XLON's valuation and scores 58/100 on quality (mixed). It also yields about 5.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.