19 October 2026

strategyland.uk

Paragon Banking Group PLC (PAGPA)

Rank #153 of 280 - Financials - UK Equities

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Paragon Banking Group PLC

PAGPA.L·Financials·Market Cap £1.3b

Rank #153 of 280

Quantitative Model · 280 Stocks Analysed

£7.01

-17.96% YTD

52W: £6.82 - £9.26

Factor Analysis Summary

Editorial assessment generated from Paragon Banking Group PLC's live factor scores and sector positioning.

Based on Strategyland's proprietary 7-factor analysis, Paragon Banking Group PLC (PAGPA.L) currently holds an overall rank of #153 out of 280 FTSE 100 constituents, reflecting its weighted composite score across liquidity, valuation, profitability, solvency, asset efficiency, market trading, and technical dimensions.

Key strengths include valuation (P/E 7.8, dividend yield 6.1%), where it demonstrates compelling valuation metrics, trading at a discount to peer averages on key multiples, and liquidity, where it demonstrates exceptional market liquidity with deep trading volumes that support efficient entry and exit.

Areas requiring attention include asset efficiency, where poor capital efficiency suggests assets may be underutilised or overvalued on the balance sheet, as well as profitability (ROE 12.7%, net margin 14.7%), where compressed margins and weak returns on equity weigh on the earnings profile.

Within the Financials sector, Paragon Banking Group PLC sits at composite rank #153, trailing the Financials peer average (rank 8). It ranks behind all 6 tracked Financials peers in our model.

The composite profile is weighed down by 5 below-average factor scores, with asset efficiency (rank 269/280) representing the most significant drag on its #153 overall standing.

Strongest Factors

Valuation — Rank 46/280 (top quartile)
Liquidity — Rank 66/280 (top quartile)
Market Trading — Rank 185/280 (below average)

Weakest Factors

Asset Efficiency — Rank 269/280 (below average)
Profitability — Rank 247/280 (below average)

Score Analysis

Paragon Banking Group PLC is ranked #153 out of 280 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

178/280

Average Score

Liquidity

Excellent66/280

Valuation

Excellent46/280

Profitability

Weak247/280

Solvency

Weak246/280

Asset Efficiency

Weak269/280

Mkt Trading

Weak185/280

Technical

Weak186/280

1. Liquidity

Score: 66/280

How liquid is PAGPA and can it meet its short-term obligations?

0/6

liquidity criteria met

Metric

Sector Range

Value

Rank

–

Quick Ratio

N/A

Range: N/A

–

Current Ratio

N/A

Range: N/A

–

TTM Operating Cash Flow

N/A

Range: N/A

✗

Liquidity Coverage Ratio

100-150

1.54xRank 5/280

Range: 100-150Rank 5/280

✗

Intangible Asset Ratio

10 - 30

0.00xRank 182/280

Range: 10 - 30Rank 182/280

–

Cash-to-Debt Ratio

N/A

1.40xRank 47/280

Range: N/ARank 47/280

Key Liquidity Metrics

Quick Ratio

N/A

Sector: N/A

Current Ratio

N/A

Sector: N/A

Overall Liquidity Rank

Rank within universe#66/280

Best (1)Worst (280)

2. Valuation

Score: 46/280

Is PAGPA undervalued compared to its peers and fair value metrics?

4/7

valuation criteria met

Metric

Sector Range

Value

Rank

✗

FY27e P/E

8x - 18x

5.7xRank 7/280

Range: 8x - 18xRank 7/280

✗

FY26e P/E

8x - 18x

6.2xRank 7/280

Range: 8x - 18xRank 7/280

✓

FY27e Net Div Yld (%)

3.0 - 8.0

7.09%Rank 26/280

Range: 3.0 - 8.0Rank 26/280

✓

Div Payout Ratio

30 - 55

45.81%Rank 100/280

Range: 30 - 55Rank 100/280

–

Current EV/EBITDA

N/A

2.9xRank 20/280

Range: N/ARank 20/280

✓

Current P/TBV

0.8x - 2.0x

1.35xRank 103/280

Range: 0.8x - 2.0xRank 103/280

✓

Current P/B

0.8x - 2.0x

1.18xRank 115/280

Range: 0.8x - 2.0xRank 115/280

Key Valuation Metrics

TTM P/E

Price-to-Earnings

7.8x

FY26e P/E

Forward estimate

6.2x

FY27e P/E

Forward estimate

5.7x

Current P/B

Price-to-Book

1.18x

Current P/TBV

Tangible Book Value

1.35x

Current EV/EBITDA

Enterprise Value

2.9x

FY26e EV/EBITDA

Forward estimate

238.7x

FY27e EV/EBITDA

Forward estimate

N/A

Dividend

PAGPA pays a dividend yield of 6.11%.

Current Yield

6.11%

FY27e Net Div Yield

7.09%

FY26e Gross DPS

0.457

FY27e Gross DPS

0.497

Dividend Per Share Forecast

3. Profitability

Score: 247/280

How profitable is PAGPA relative to its peers?

1/7

profitability criteria met

Metric

Sector Range

Value

Rank

✗

TTM Profit Margin

15 - 30

14.7%Rank 125/280

Range: 15 - 30Rank 125/280

–

T12 FCF Margin

N/A

-4.0%Rank 246/280

Range: N/ARank 246/280

✓

FY27e RoE

10 - 16

14.5%Rank 125/280

Range: 10 - 16Rank 125/280

✗

FY26 EPS Growth

8 - 15

4.3%Rank 137/280

Range: 8 - 15Rank 137/280

✗

FY27e EPS Growth

6 - 12

13.6%Rank 148/280

Range: 6 - 12Rank 148/280

✗

NIM

1.5 - 3.2

0.03%Rank 9/280

Range: 1.5 - 3.2Rank 9/280

–

Expense Ratio

50 - 65

N/A

Range: 50 - 65

TTM Profit Margin

14.7%

Current RoCE

12.7%

FY27e RoE

14.5%

T12 FCF Margin

-4.0%

EPS Growth

4. Solvency

Score: 246/280

How strong is PAGPA's balance sheet and financial position?

1/6

solvency criteria met

Metric

Sector Range

Value

Rank

✓

Debt/Eqt

0.5x - 1.5x

1.20xRank 214/280

Range: 0.5x - 1.5xRank 214/280

–

Interest Coverage Ratio

N/A

Rank 174Rank 174/280

Range: N/ARank 174/280

–

Net Leverage Ratio

N/A

Range: N/A

–

Altman Z-Score (Manufacturing)

N/A

N/ARank 240/280

Range: N/ARank 240/280

–

Z-Score (Non Manufacturing)

N/A

Rank 246Rank 246/280

Range: N/ARank 246/280

✗

CapAdeq Ratio Tier1

13 - 18

0.14Rank 11/280

Range: 13 - 18Rank 11/280

Key Solvency Metrics

Debt/Eqt

1.20x

Net Leverage Ratio

N/A

Interest Coverage

Rank 174

T12 FCF Margin

-4.0%

Altman Z-Score

N/A

Distress Zone

01.812.995+

5. Asset Efficiency

Score: 269/280

How efficiently does PAGPA deploy its assets and intellectual capital?

0/5

asset efficiency criteria met

Metric

Sector Range

Value

Rank

–

Efficiency Ratio

50 - 70

N/A

Range: 50 - 70

–

TTM Asset Turnover Ratio

N/A

0.06xRank 243/280

Range: N/ARank 243/280

✗

TTM CAPEX/Sales

1 - 3

0.3%Rank 199/280

Range: 1 - 3Rank 199/280

–

Working Capital Turnover

N/A

Range: N/A

–

R&D/Sales FY27e

N/A

Range: N/A

Overall Asset Efficiency Rank

Rank within sector peers#269/280

Best (1)Worst (280)

6. Market Trading

Score: 185/280

How liquid and actively traded is PAGPA?

1/2

market trading criteria met

Metric

Sector Range

Value

Rank

✗

Intraday Sentiment (%)

40 - 75

35.0%Rank 167/280

Range: 40 - 75Rank 167/280

–

10D-Avg v/s 3M-Avg Vol

N/A

76%Rank 50/280

Range: N/ARank 50/280

✓

Avg Directional Index 30D

012 - 45

24.6Rank 83/280

Range: 012 - 45Rank 83/280

–

Parabolic SAR

N/A

729.50Rank 120/280

Range: N/ARank 120/280

–

Stock Rating Rank

N/A

Rank 100Rank 100/280

Range: N/ARank 100/280

Market Cap

£1,276,265,938

Enterprise Value

£2,171,641,390

Trading Volume

7. Technical

Score: 186/280

What do the technical indicators say about PAGPA?

0/5

technical criteria met

Metric

Chart

Sector Range

Value

Rank

–

CMP v/s 52-WH

£9.26£6.82

-24.3%CMP: £7.01

N/A

-24.3%Rank 229/280

£9.26£6.82

-24.3%CMP: £7.01

Range: N/ARank 229/280

–

CMP v/s 52-WL

£9.26£6.82

+2.9%CMP: £7.01

N/A

2.9%Rank 13/280

£9.26£6.82

+2.9%CMP: £7.01

Range: N/ARank 13/280

–

RSI 14D

05.1 - Oversold100

N/A

5.1Rank 100/280

05.1 - Oversold100

Range: N/ARank 100/280

–

MA50 - MA200

£7.86-0.08£7.95

N/A

BearishRank 223/280

£7.86-0.08£7.95

Range: N/ARank 223/280

–

MACD Rank

Death Cross

MACD: -3.62

N/A

-3.62

Death Cross

MACD: -3.62

Range: N/A

RSI (14 Day)

5.1

Oversold

0 (Oversold)50100 (Overbought)

Moving Averages

50 SMA£7.86

200 SMA£7.95

SignalDeath Cross (Bearish)

MACD-3.62

Risk Metrics

Beta

N/A

3-Yr Std Dev

N/A

5-Yr Std Dev

N/A

Peer Comparison

How does PAGPA compare to other Financials stocks?

Overall Rank Comparison

Factor Score Comparison

Stock	Rank	Liquidity	Valuation	Profitability	Solvency	Mkt Trading	Technical
PAGPA	#153	66	46	247	246	185	186
MUT.L	#3	128	38	24	56	27	8
RTW.L	#5	116	7	9	145	69	229
BPCR.L	#7	163	34	56	9	112	76
RCP.L	#9	179	26	22	59	13	2
AGT.L	#11	108	57	55	72	90	79
TBCG.L	#14	29	55	38	257	129	18

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Methodology Note

The analysis presented for Paragon Banking Group PLC is produced using Strategyland's proprietary 7-factor quantitative model, which evaluates each stock across Liquidity, Valuation, Profitability, Solvency, Asset Efficiency, Market Trading, and Technical dimensions. Individual factor scores and the composite rank reflect relative rankings within the FTSE 100 universe — a lower rank number indicates stronger performance in that category.

Underlying financial and market data is sourced from LSEG (London Stock Exchange Group) and processed through our scoring engine. Scores are recalculated as new data becomes available and should be interpreted as a systematic screening output, not a forecast of future share price performance.

This content is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance and factor rankings are not indicative of future results. Please read our Risk Disclaimer before making any investment decisions.

Strategyland Research Center - strategyland.ukThis report is for informational purposes only. Not financial advice.