Stock PAG PARAGON BANKING GROUP PLC
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Financials Paragon Banking Group PLC

Equities

PAG

GB00B2NGPM57

Banks

Market Closed - London S.E.
Other stock markets
 11:35:04 2024-04-26 am EDT 		5-day change 1st Jan Change
698 GBX +1.16% Intraday chart for Paragon Banking Group PLC +4.26% +0.07%
Apr. 18 Alison Morris set to join Quilter board in September AN
Mar. 20 Paragon Banking Group Kicks Off GBP50 Million Share Buyback MT

Valuation

Fiscal Period: Septiembre 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,225 846.8 1,350 922.9 1,055 1,450 - -
Enterprise Value (EV) 1 1,225 846.8 1,350 922.9 1,055 1,450 1,450 1,450
P/E ratio 10 x 9.35 x 8.66 x 3.14 x 7.42 x 8.18 x 8.07 x 7.37 x
Yield 4.39% 4.32% 4.78% 7.24% 7.6% 5.47% 5.63% 6.06%
Capitalization / Revenue 3.98 x 2.87 x 4.15 x 2.35 x 2.26 x 3.05 x 3.05 x 2.94 x
EV / Revenue 3.98 x 2.87 x 4.15 x 2.35 x 2.26 x 3.05 x 3.05 x 2.94 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.12 x 0.73 x 1.08 x 0.65 x 0.81 x 1 x 0.94 x 0.87 x
Nbr of stocks (in thousands) 253,837 254,292 247,404 233,753 214,440 207,806 - -
Reference price 2 4.824 3.330 5.455 3.948 4.920 6.980 6.980 6.980
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: Septiembre 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 307.3 295.1 324.9 393 466 476.3 475.4 493
EBITDA - - - - - - - -
EBIT 1 164.4 120 194.2 226 277.6 291.6 283.6 296.2
Operating Margin 53.5% 40.66% 59.77% 57.51% 59.57% 61.23% 59.65% 60.08%
Earnings before Tax (EBT) 1 159 118.4 213.7 417.9 199.9 252.2 246.7 259.5
Net income 1 127.4 91.3 164.5 313.6 153.9 185 179.1 186.5
Net margin 41.46% 30.94% 50.63% 79.8% 33.03% 38.83% 37.67% 37.82%
EPS 2 0.4820 0.3560 0.6300 1.259 0.6630 0.8536 0.8648 0.9471
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2120 0.1440 0.2610 0.2860 0.3740 0.3818 0.3928 0.4229
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2019 S2 2021 S1 2022 S1 2023 S1
Net sales 159.3 - 181.7 -
EBITDA - - - -
EBIT 84.6 88.9 106.8 -
Operating Margin 53.11% - 58.78% -
Earnings before Tax (EBT) 87 96.4 143.6 -
Net income 1 - 74.2 109.1 37.9
Net margin - - 60.04% -
EPS 2 - - - 0.1570
Dividend per Share 0.1420 - - -
Announcement Date 11/26/19 6/8/21 6/14/22 4/30/23
1GBP in Million2GBP
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.7% 8.2% 12.5% 12.8% 15.5% 15.2% 14.9% 14.9%
ROA (Net income/ Total Assets) 0.88% 0.62% 0.98% 1.07% 1.25% 1.01% 1.01% 1.05%
Assets 1 14,441 14,726 16,858 29,391 12,345 18,404 17,820 17,759
Book Value Per Share 2 4.320 4.570 5.030 6.060 6.080 6.950 7.460 8.000
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 11/26/19 12/3/20 12/7/21 12/6/22 12/6/23 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Paragon Banking Group PLC

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
6.98 GBP
Average target price
7.754 GBP
Spread / Average Target
+11.09%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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