PAG.L
Paragon Banking Group PLC
Financial Services · Mortgage Finance · LSE
$755.00
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.4B
Trailing P/E
8.58
Forward P/E
6.22
Rev Growth
+2.9%
Profit Margin
35.7%
ROE
12.7%
Analyst Target
$1,034.00
Recommendation
STRONG BUY
About Paragon Banking Group PLC

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, and owner-occupied first and second charge lending. The Commercial Lending segment comprises equipment leasing, development finance, structured lending, and other offerings for SME customers, as well as motor finance business. This segment also provides hire purchase, business loans, and operating and finance leasing. In addition, it offers a range of savings products; and deposits taking, residential mortgages, loan and vehicle finance, surveyors and property consulting, contract hire, asset 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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 67.2
Score Combined: 56.9

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality67.7
Cash Flow50.0
Moat40.0
Balance Sheet0.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 49.8 · Rank: #1916
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$558.2M
Price/Book
1.03
Beta
1.182
Analysts
12
Total Revenue (TTM)
$505.7M
Total Debt
$1.8B
Earnings Growth
-17.4%
Dividend Yield
581.0%
Rec. Mean
1.42
Employees
1,386

Elite Intelligence

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Trade Consideration
The Opportunity
Score 56.9 (P90 — top 10.2% of scored tickers). Unknown Moat. Ethical FAIL. 12 analysts at Strong Buy.
Price: $755.00 | Target: $1,027.58 (+36%)
Score
57
Moat
Unknown
Conviction
Standard
Upside
+36%
The Fundamentals
Revenue Growth+2.9%
Profit Margin35.7%
ROE12.7%
Forward P/E6.2
Market Cap$1.4B
Position Sizing Scenarios
Stop: $641.75 (-15%) | Entry: $755.00
SharesCostProfit to TargetR:R
To Consensus ($1,027.58, 12 analysts)
10$7,550.00+$2,725.80 (36%)2.4R
50$37,750.00+$13,629.00 (36%)2.4R
100$75,500.00+$27,258.00 (36%)2.4R
Risk Factors
  • No elevated risk flags in current data
The Verdict
Paragon Banking Group PLC holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
46.4
Risk Grade
LOW_RISK
Layers
7
Quality: HMM_CRISIS
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.6%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.2%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.05
above 1.0 is good
Max Drawdown
-26.6%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
75
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
NEAR_UPPER
Beta
Relative Volume
1.2x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
BAES.L-0.278
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Tuesday
Best Month
Apr
Worst Month
Mar
Fri-Mon Effect
-0.1312848207048856
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+1.3%
3M Return
-10.2%
6M Return
-6.0%
12M Return
-15.7%
Momentum Rank
#3386
Momentum Signal
DOWN

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