ScoreWhy is Paragon Banking Group Plc ?
1
High Profitability with a Net Interest Margin of 10.24%
2
The company has declared Positive results for the last 4 consecutive quarters
- NII(Q) Highest at GBP 236.50 MM
- INTEREST EARNED(Q) Highest at GBP 573 MM
- DPR(Y) Highest at 54.46 %
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Paragon Banking Group Plc should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Paragon Banking Group Plc for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Paragon Banking Group Plc
10.18%
0.47
26.34%
FTSE 100
16.09%
1.25
12.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.81%
EBIT Growth (5y)
11.50%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
45.63%
Pledged Shares
0
Institutional Holding
0.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
1.22
EV to EBIT
2.68
EV to EBITDA
2.62
EV to Capital Employed
1.71
EV to Sales
0.57
PEG Ratio
0.44
Dividend Yield
350.04%
ROCE (Latest)
64.01%
ROE (Latest)
28.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Paragon Banking Group Plc
Interest Earned - Half-Yearly
At GBP 573 MM has Grown at 96.91 %
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Interest Earned (GBP MM)
Net Interest Income (Half-Yearly)
Highest at GBP 236.50 MM and Grown
in each of the last 5 periodsMOJO Watch
The bank's income from core business is increasing
Net Interest Income (GBP MM)
Interest Earned - Half-Yearly
Highest at GBP 573 MM and Grown
in each of the last 5 periodsMOJO Watch
Near term sales trend is very positive
Interest Earned (GBP MM)
Cash and Cash Equivalents - Half Yearly
Highest at GBP 2,994.30 MM
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents (GBP MM)
Dividend Payout Ratio (DPR) - Annually
Highest at 54.46 %
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Paragon Banking Group Plc
Profit After Tax (PAT) - Annual
At GBP 153.90 MM has Grown at -50.92 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (GBP MM)
Gross NPA - Half-Yearly
Highest at 1.38 %
in the last five periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Non Operating Income - Half-Yearly
Highest at GBP 20 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income (GBP MM)
CAR - Half-Yearly
Lowest at 17.30 %
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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