Paragon Banking Finanças

Company name:	Paragon Banking Group Plc
Company Description:	Operation of its consumer finance and first mortgage businesses
COD:	PAG	Trading Currency:	GBX
Market Sector:	F25F	ISIN:	GB00B2NGPM57
Market Segment:	STMM	Share Type:	DE
WWW Address:	http://www.paragon-group.co.uk/	Description:	ORD 100P
Industry Sector:	NONEQUITY INVESTMENT INSTRUMENTS

Price	Variação [%]	Bid	Offer	Abertura	MAX	MIN	Volume
516.00	-4.5 [-0.86]	514.00	515.00	535.50	535.50	497.40	1,127,177
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52 Semanas
1,301.77	252.28	0.21	65.20	26.10	7.91	5.06	621.50 - 364.60

Paragon Banking Key Figures

Key Figures
(at previous day's close)
Market Cap.	1,301.77	m
Shares In Issue	252.28	m
Prev. Close	520.50
PE Ratio	7.91
Dividend Yield	5.06	%
EPS - basic	65.20	p
Dividend PS	26.10	p
Dividend Cover	2.50
Cash Flow PS	348.06	p
Return On Equity (ROE)	13.25	%
Operating Margin	-	%
PEG Factor	0.10
EPS Growth Rate	81.11	%
Dividends PS Growth Rate	81.25	%
Dívida Líquida	12,535.00	m
Gross Gearing	91.80	%
Quick Assets	14,782.70	m
Net Working Capital	-	m
Intangibles / Fixed Assets	48.12	%
Turnover PS	-	p
Pre-Tax Profit PS	7.73	p
Retained Profit PS	43.56	p
Cash PS	539.12	p
Net Cash PS	539.12	p
Net Tangible Asset Value PS *	424.69	p
Net Asset Value PS	492.27	p
Spread	1.00 (0.19%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Paragon Banking Balance Sheet

%1$s Balance Sheet

Share Price Performance

Share Price Performance
Sample Period ^†	MAX	MIN
1 Semana	543.50	489.20
4 Semanas	609.50	489.20
12 Semanas	621.50	489.20
1 Ano	621.50	364.60

Share Price Chart (5 years)

Paragon Banking Historic Returns

%1$s Historic Returns
Período ^†	Abertura	VAB	%	Abertura Média	Vol Diário Médio [m]	Volume [m]	VWAP
1 Semana	541.50	-25.50	-4.71	489.20	0.72		521.80
4 Semanas	588.50	-72.50	-12.32	489.20	0.64		558.64
12 Semanas	582.50	-66.50	-11.42	489.20	0.90		578.80
26 Semanas	464.60	51.40	11.06	364.60	0.77		522.49
1 Ano	491.00	25.00	5.09	364.60	0.57		515.00
3 Anos	260.00	256.00	98.46	260.00	0.49		475.04
5 Anos	480.20	35.80	7.46	217.00	0.50		468.12
† periods calculated are whole weeks rather than calendar months

Paragon Banking Key Management Ratios

DEEPER ANALYSIS

Paragon Banking Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio	2.23
PE Ratio	7.91
Tobin's Q Ratio	0.08
Tobin's Q Ratio (excl. intangibles)	0.09
Dividend Yield	5.06	%
Market-to-Book Ratio	1.05
Price-to-Pre-Tax Profit PS	66.76
Price-to-Retained Profit PS	11.85
Price-to-Cash Flow PS	1.48
Price-to-Sales PS	-
Price-to-Net Tangible Asset Value PS	1.22
Price-to-Cash PS	0.96
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	12.64	%
Average PE	9.23
Years in average	5
PE to PE average	85.76	%

Paragon Banking Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio	91.80	%
Debt-to-Equity Ratio	11.19
Debt-to-Equity Ratio (excl. Intgbl)	12.97
Debt-to-Equity Market Value	10.67
Net Gearing	82.81	%
Net Gearing (excl. Intangibles)	83.75	%
Gross Gearing	91.80	%
Gross Gearing (excl. Intangibles)	92.84	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	12.19
Cash/Equity	109.52
(Liquidity Ratios)
Net Working Capital to Total Assets	97.66	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	9.20	%
(Solvency Ratios)
Enterprise Value	13,836.77	m
CFO/Sales	-
CFO/Attributable Profit	5.34
CFO/Assets	0.06
CFO/Debt	0.06
Total Debt/Equity Market Value	10.67
Total Debt/Sales	-
Total Debt/Pre-Tax Profit	712.57
Total Debt	13,895.10	m
Total Debt/Net Current Assets	0.94	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	9.69	%
5 yr Compound Earnings Growth	8.63	%
10 yr Compound Earnings Growth	10.42	%
Earn drops > 5% in 10yrs	5

Beta coefficients
Beta (60-Mnth)	Beta (36-Mnth)
0.2110	0.2364

Paragon Banking Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)	0.13	%
Return On Assets (ROA)	1.07	%
Net Profit Margin	-	%
Assets Turnover	-
Return On Equity (ROE)	13.25	%
Return On Investment (ROI)	1.07	%
Dividend Payout Ratio	40.03	%
Plowback Ratio	59.97	%
Growth from Plowback Ratio	8.10	%
Net Income Of Revenues	-	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	-
Fixed Assets Turnover	-
Current Assets Turnover	-
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	-
Debtors-to-Sales	-	%
Debt Collection Period	-	Dias

Paragon Banking Dividends

%1$s Dividends
Data	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
14 Jun 2022	Interim	GBX	9.40	01/10/2021	31/03/2022	07/07/2022	08/07/2022	29/07/2022	-
07 Dez 2021	Final	GBX	18.90	30/09/2020	30/09/2021	27/01/2022	28/01/2022	04/03/2022	26.10
08 Jun 2021	Interim	GBX	7.20	01/10/2020	31/03/2021	01/07/2021	02/07/2021	23/07/2021	-
03 Dez 2020	Final	GBX	14.40	30/09/2019	30/09/2020	28/01/2021	29/01/2021	26/02/2021	14.40
26 Nov 2019	Final	GBX	14.20	30/09/2018	30/09/2019	09/01/2020	10/01/2020	17/09/2020	21.20
22 Mai 2019	Interim	GBX	7.00	01/10/2018	31/03/2019	04/07/2019	05/07/2019	26/07/2019	-
21 Nov 2018	Final	GBX	13.90	30/09/2017	30/09/2018	10/01/2019	11/01/2019	18/02/2019	19.40
24 Mai 2018	Interim	GBX	5.50	01/10/2017	31/03/2018	05/07/2018	06/07/2018	27/07/2018	-
23 Nov 2017	Final	GBX	11.00	30/09/2016	30/09/2017	04/01/2018	05/01/2018	19/02/2018	15.70
23 Mai 2017	Interim	GBX	4.70	01/10/2016	31/03/2017	06/07/2017	07/07/2017	28/07/2017	-
23 Nov 2016	Final	GBX	9.20	30/09/2015	30/09/2016	05/01/2017	06/01/2017	13/02/2017	13.50
24 Mai 2016	Interim	GBX	4.30	01/10/2015	31/03/2016	30/06/2016	01/07/2016	22/07/2016	-
24 Nov 2015	Final	GBX	7.40	30/09/2014	30/09/2015	07/01/2016	08/01/2016	15/02/2016	11.00
19 Mai 2015	Interim	GBX	3.60	01/10/2014	31/03/2015	02/07/2015	03/07/2015	24/07/2015	-
25 Nov 2014	Final	GBX	6.00	30/09/2013	30/09/2014	08/01/2015	09/01/2015	16/02/2015	9.00
20 Mai 2014	Interim	GBX	3.00	01/10/2013	31/03/2014	02/07/2014	04/07/2014	25/07/2014	-
26 Nov 2013	Final	GBX	4.80	30/09/2012	30/09/2013	08/01/2014	10/01/2014	10/02/2014	7.20
21 Mai 2013	Interim	GBX	2.40	01/10/2012	31/03/2013	03/07/2013	05/07/2013	26/07/2013	-
20 Nov 2012	Final	GBX	4.50	30/09/2011	30/09/2012	09/01/2013	11/01/2013	11/02/2013	6.00
23 Mai 2012	Interim	GBX	1.50	01/10/2011	31/03/2012	04/07/2012	06/07/2012	27/07/2012	-
22 Nov 2011	Final	GBX	2.65	30/09/2010	30/09/2011	11/01/2012	13/01/2012	13/02/2012	4.00
24 Mai 2011	Interim	GBX	1.35	01/10/2010	31/03/2011	29/06/2011	01/07/2011	29/07/2011	-
24 Nov 2010	Final	GBX	2.40	30/09/2009	30/09/2010	12/01/2011	14/01/2011	14/02/2011	3.60
18 Mai 2010	Interim	GBX	1.20	01/10/2009	31/03/2010	30/06/2010	02/07/2010	30/07/2010	-
24 Nov 2009	Final	GBX	2.20	30/09/2008	30/09/2009	13/01/2010	15/01/2010	15/02/2010	3.30
19 Mai 2009	Interim	GBX	1.10	01/10/2008	31/03/2009	01/07/2009	04/07/2009	31/07/2009	-
25 Nov 2008	Final	GBX	2.00	30/09/2007	30/09/2008	07/01/2009	09/01/2009	09/02/2009	3.00
21 Mai 2008	Interim	GBX	1.00	01/10/2007	31/03/2008	02/07/2008	04/07/2008	01/08/2008	-
20 Nov 2007	Final	GBX	-	30/09/2006	30/09/2007	30/09/2007	30/09/2009	30/09/2007	8.00
21 Mai 2007	Interim	GBX	8.00	01/10/2006	31/03/2007	27/06/2007	29/06/2007	27/07/2007	-
21 Nov 2006	Final	GBX	10.10	30/09/2005	30/09/2006	10/01/2007	12/01/2007	12/02/2007	17.00
23 Mai 2006	Interim	GBX	6.90	01/10/2005	31/03/2006	28/06/2006	30/06/2006	31/07/2006	-
23 Nov 2005	Final	GBX	7.40	30/09/2004	30/09/2005	11/01/2006	13/01/2006	13/02/2006	12.60
25 Mai 2005	Interim	GBX	5.20	01/10/2004	31/03/2005	29/06/2005	01/07/2005	29/07/2005	-
24 Nov 2004	Final	GBX	5.70	30/09/2003	30/09/2004	12/01/2005	14/01/2005	11/02/2005	9.60
26 Mai 2004	Interim	GBX	3.90	01/10/2003	31/03/2004	30/06/2004	02/07/2004	30/07/2004	-
26 Nov 2003	Final	GBX	3.70	30/09/2002	30/09/2003	14/01/2004	16/01/2004	12/02/2004	6.30
20 Mai 2003	Interim	GBX	2.60	01/10/2002	31/03/2003	02/07/2003	04/07/2003	31/07/2003	-
19 Nov 2002	Final	GBX	3.00	30/09/2001	30/09/2002	15/01/2003	17/01/2003	12/02/2003	5.10
21 Mai 2002	Interim	GBX	2.10	30/11/1999	31/03/2002	26/06/2002	28/06/2002	31/07/2002	-
20 Nov 2001	Final	GBX	2.30	30/09/2000	30/09/2001	02/01/2002	04/01/2002	01/02/2002	4.20
22 Mai 2001	Interim	GBX	1.90	01/10/2000	31/03/2001	27/06/2001	29/06/2001	31/07/2001	-
21 Nov 2000	Final	GBX	2.10	30/09/1999	30/09/2000	27/12/2000	03/01/2001	02/02/2001	3.80
22 Mai 2000	Interim	GBX	1.70	01/10/1999	31/03/2000	26/06/2000	30/06/2000	31/07/2000	-
16 Nov 1999	Final	GBX	1.90	30/09/1998	30/09/1999	17/01/2000	21/01/2000	18/02/2000	3.40
30 Nov 1998	Final	GBX	1.70	30/09/1997	30/09/1998	01/03/1999	05/03/1999	06/04/1999	3.00

Paragon Banking Fundamentals

Profit and Loss Account
	30 Set 2018 (GBP)		30 Set 2019 (GBP)		30 Set 2020 (GBP)		30 Set 2021 (GBP)
turnover	-	-	-	-	-	-	-	-	m
pre tax profit	181.50	-	159.00	-	118.40	-	19.50	-	m
attributable profit	145.80	-	127.40	-	91.30	-	164.50	-	m
retained profit	102.70	-	73.40	-	55.40	-	109.90	-	m
eps - basic (p)	55.90		49.40		36.00		65.20
eps - diluted (p)	54.20		48.20		35.60		63.00
dividends per share	19.40		21.20		14.40		26.10

Paragon Banking Balance Sheet

Balance Sheet
	30 Set 2018 (GBP)		30 Set 2019 (GBP)		30 Set 2020 (GBP)		30 Set 2021 (GBP)


	30 Set 2018 (GBP)		30 Set 2019 (GBP)		30 Set 2020 (GBP)		30 Set 2021 (GBP)
ASSETS
fixed assets	56.80	0.39%	57.30	0.40%	66.10	0.43%	70.40	0.47%	m
intangibles	169.30	1.17%	171.10	1.19%	170.10	1.10%	170.50	1.13%	m
fixed investments	874.70	6.03%	685.20	4.76%	591.30	3.81%	113.40	0.75%	m
current assets - other	-	-%	-	-%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	12,103.70	83.39%	12,256.50	85.14%	12,753.00	82.25%	13,422.60	88.67%	m
cash & securities	1,310.60	9.03%	1,225.40	8.51%	1,925.00	12.41%	1,360.10	8.99%	m

TOTAL	14,515.10	100%	14,395.50	100%	15,505.50	100%	15,137.00	100%	m

LIABILITIES
creditors - short	21.40	0.15%	16.20	0.11%	-	-%	-	-%	m
creditors - long	13,397.80	92.30%	13,270.90	92.19%	14,349.50	92.54%	-	-%	m
creditors - other	-	-%	-	-%	-	-%	13,895.10	91.80%	m
subordinated loans	-	-%	-	-%	-	-%	-	-%	m
insurance funds	-	-%	-	-%	-	-%	-	-%	m

TOTAL	13,419.20	92.45%	13,287.10	92.30%	14,349.50	92.54%	13,895.10	91.80%	m

EQUITY
ord cap, reserves	1,199.90	8.27%	1,148.90	7.98%	1,193.80	7.70%	1,241.90	8.20%	m
prefs, minorities	-104.00	-0.72%	-40.50	-0.28%	-37.80	-0.24%	-	-%	m

TOTAL	1,095.90	7.55%	1,108.40	7.70%	1,156.00	7.46%	1,241.90	8.20%	m

OTHER
NAV Basic	-		-		-		-
NAV Diluted	-		-		-		-

Paragon Banking Cash Flow Statement

%1$s Cash Flow Statement
	30 Set 2018 (GBP)	30 Set 2019 (GBP)	30 Set 2020 (GBP)	30 Set 2021 (GBP)
Operating CF	1,074.40	397.90	1,028.70	878.10	m
Pre-Financing CF	791.60	406.20	1,025.90	873.80	m
Retained CF	-186.80	-85.10	700.20	-564.80	m

Paragon Banking Brokers

%1$s Brokers
Name	Activity	Type	Mnemonic	Code
THE ROYAL BANK OF SCOT N.V.	Market Maker(MME)	Broker/Dealer	RBSM	ABNAGB22
Altium Capital Limited	Market Maker(MME)	Broker/Dealer	ALTI	APCFGB21
J.P. Morgan Cazenove Limited	Market Maker(MME)	Broker/Dealer	CAZR	CAZEGB2L
Deutsche Bank AG London Branch	Market Maker(MME)	Broker/Dealer	DEUT	DEUTGB2L
Commerzbank AG	Market Maker(MME)	Broker/Dealer	KLWT	DRESGB2LPST
Goldman Sachs International	Market Maker(MME)	Broker/Dealer	GSCO	GSILGB2X
Canaccord Genuity Limited	Market Maker(MME)	Broker/Dealer	CANA	HOARGB21001
HSBC Bank plc	Market Maker(MME)	Broker/Dealer	HSBC	JCAPGB2L
J.P. Morgan Securities Ltd	Market Maker(MME)	Broker/Dealer	JPMS	JPMSGB2L
Liberum Capital Limited	Market Maker(MME)	Broker/Dealer	LIBC	LCAPGB21
Morgan Stanley Securities Ltd	Market Maker(MME)	Broker/Dealer	MOST	MSSEGB21
Numis Securities Limited	Market Maker(MME)	Broker/Dealer	NUMS	RAZHGB2LBIC
Citigrp Global Mkt UK Equities	Market Maker(MME)	Broker/Dealer	CITI	SBUKGB21
Shore Capital Stockbrokers Ltd	Market Maker(MME)	Broker/Dealer	SCAP	SHOCGB21
Merrill Lynch International	Market Maker(MME)	Broker/Dealer	MLSB	SNCSGB2LBIC
UBS AG	Market Maker(MME)	Broker/Dealer	UBS.	UBSWGB2LEQU
Winterflood Securities Ltd	Market Maker(MME)	Broker/Dealer	WINS	WNTSGB2LBIC

Paragon Banking Group Plc (PAG) Balanços

PAG

Paragon Banking Key Figures

Paragon Banking Balance Sheet

Share Price Performance

Share Price Chart (5 years)

Paragon Banking Historic Returns

Paragon Banking Key Management Ratios

Paragon Banking Investment Ratios

Paragon Banking Financial Ratios

Paragon Banking Operating Ratios

Paragon Banking Dividends

Paragon Banking Fundamentals

Paragon Banking Balance Sheet

Paragon Banking Cash Flow Statement

Paragon Banking Brokers