Paragon Banking Group (PAG) Fair Value & Analysis
Financial Services · GB · Market cap 1.3B GBX
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price −0.5% over the past month.
Price vs Fair Value (12 months)
12‑month range £7.39 – £9.74 · fair‑value band £7.59 – £13.35 · the £7.92 price screens above the £7.59 fair value. As of Jun 26, 2026.
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Paragon Banking Group (PAG) currently trades at £7.92, while our model-based Fair Value estimate is £7.59 — implying the stock looks roughly 4.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Paragon Banking Group generated revenue of £506M at a net margin of 35.7%. Revenue grew 2.9% year over year. It earns a return on equity of 12.7%. Net debt stands at £1.7B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Paragon Banking Group reported revenue of £1.2B in FY2025 versus £355M in FY2021, a compound +36.8%/yr. Reported net income was £180M in FY2025, compounding +2.3%/yr from FY2021.
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6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.65 | $30.59 | +84% |
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| Federal National Mortgage Association FNMAS | $11.90 | $20.80 | +75% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹89.00 | ₹56.65 | -36% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.