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Paragon Banking Group PLC
LSE:PAG

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Paragon Banking Group PLC Logo
Paragon Banking Group PLC
LSE:PAG
Watchlist
Price: 707 GBX -0.28% Market Closed
Updated: May 5, 2024
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

1B
+37%
Revenue
Growth Rates:
1 Year
+81%
3 Years
+102%
5 Years
+106%
7 Years
+138%
10 Years
+260%
449.9m
+24%
Operating Income
Growth Rates:
1 Year
+57%
3 Years
+123%
5 Years
+150%
7 Years
+213%
10 Years
+335%
153.9m
-37%
Net Income
Growth Rates:
1 Year
-51%
3 Years
+69%
5 Years
+6%
7 Years
+33%
10 Years
+82%

Earnings Waterfall
Paragon Banking Group PLC

Revenue
1B GBP
Cost of Revenue
-388.5m GBP
Gross Profit
639.2m GBP
Operating Expenses
-189.3m GBP
Operating Income
449.9m GBP
Other Expenses
-296m GBP
Net Income
153.9m GBP

Income Statement
Paragon Banking Group PLC

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Income Statement
Currency: GBP
Sep-2003 Mar-2004 Sep-2004 Mar-2005 Sep-2005 Mar-2006 Sep-2006 Mar-2007 Sep-2007 Mar-2008 Sep-2008 Mar-2009 Sep-2009 Mar-2010 Sep-2010 Mar-2011 Sep-2011 Mar-2012 Sep-2012 Mar-2013 Sep-2013 Mar-2014 Sep-2014 Mar-2015 Sep-2015 Mar-2016 Sep-2016 Mar-2017 Sep-2017 Mar-2018 Sep-2018 Mar-2019 Sep-2019 Mar-2020 Sep-2020 Mar-2021 Sep-2021 Mar-2022 Sep-2022 Mar-2023 Sep-2023
Revenue
Revenue
303
N/A
382
+26%
452
+19%
500
+11%
524
+5%
534
+2%
581
+9%
666
+15%
776
+17%
868
+12%
848
-2%
725
-14%
524
-28%
354
-32%
290
-18%
271
-7%
273
+1%
289
+6%
306
+6%
295
-4%
286
-3%
299
+5%
321
+7%
339
+6%
355
+5%
400
+13%
432
+8%
430
0%
429
0%
438
+2%
499
+14%
536
+7%
535
0%
535
+0%
509
-5%
495
-3%
458
-8%
473
+3%
568
+20%
752
+32%
1 028
+37%
Gross Profit
Cost of Revenue
(196)
(263)
(331)
(376)
(391)
(378)
(408)
(489)
(592)
(684)
(681)
(571)
(373)
(203)
(142)
(126)
(122)
(131)
(136)
(121)
(108)
(111)
(123)
(134)
(142)
(170)
(186)
(184)
(174)
(175)
(195)
(214)
(225)
(179)
(130)
(128)
(88)
(81)
(113)
(206)
(389)
Gross Profit
108
N/A
119
+10%
121
+2%
124
+3%
133
+7%
156
+18%
174
+11%
177
+2%
185
+4%
184
0%
167
-9%
154
-8%
151
-2%
152
+1%
148
-3%
145
-2%
151
+4%
159
+5%
170
+7%
175
+3%
178
+2%
187
+6%
198
+6%
206
+4%
213
+4%
230
+8%
246
+7%
247
+0%
256
+4%
262
+2%
305
+16%
323
+6%
310
-4%
356
+15%
379
+7%
367
-3%
370
+1%
393
+6%
455
+16%
546
+20%
639
+17%
Operating Income
Operating Expenses
(58)
(62)
(55)
(53)
(61)
(80)
(93)
(95)
(98)
(99)
(100)
(107)
(106)
(96)
(82)
(70)
(70)
(72)
(76)
(76)
(74)
(74)
(76)
(77)
(79)
(90)
(103)
(102)
(111)
(114)
(124)
(136)
(136)
(132)
(177)
(155)
(132)
(137)
(168)
(183)
(189)
Selling, General & Administrative
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(61)
0
(68)
0
(89)
0
(99)
0
(110)
0
(121)
0
(119)
0
(129)
0
(148)
0
0
Depreciation & Amortization
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(3)
0
(3)
0
(4)
0
(4)
0
(4)
0
(4)
0
(6)
0
(6)
0
(6)
0
0
Other Operating Expenses
(58)
(62)
(55)
(53)
(61)
(80)
(93)
(95)
(98)
(99)
(100)
(107)
(106)
(96)
(82)
(70)
(70)
(72)
(76)
(76)
(74)
(74)
(12)
(77)
(8)
(90)
(10)
(102)
(8)
(114)
(10)
(136)
(11)
(132)
(53)
(155)
3
(137)
(15)
(183)
(189)
Operating Income
50
N/A
57
+14%
66
+16%
71
+9%
72
+1%
76
+6%
80
+5%
82
+3%
87
+5%
85
-2%
67
-20%
48
-29%
45
-5%
56
+24%
66
+18%
75
+13%
81
+8%
87
+7%
94
+9%
98
+4%
104
+5%
114
+10%
122
+8%
128
+5%
135
+5%
140
+4%
144
+3%
145
+0%
145
+0%
149
+2%
180
+21%
187
+4%
174
-7%
223
+28%
202
-10%
212
+5%
238
+12%
255
+8%
287
+12%
363
+27%
450
+24%
Pre-Tax Income
Interest Income Expense
0
0
0
0
0
1
3
5
5
(3)
(6)
(4)
(3)
(1)
0
2
(0)
(0)
1
1
1
1
1
(1)
(1)
1
(1)
(1)
(0)
4
1
(10)
(15)
(52)
(83)
(54)
(24)
6
131
(42)
(250)
Non-Reccuring Items
2
5
5
0
0
0
0
0
0
(7)
(8)
(1)
12
13
6
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(28)
0
0
0
0
0
0
0
Total Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
52
N/A
62
+19%
71
+15%
71
+1%
72
+1%
77
+8%
83
+7%
87
+5%
91
+4%
74
-19%
54
-28%
43
-20%
54
+26%
68
+25%
72
+6%
82
+14%
81
-1%
86
+7%
96
+11%
100
+4%
105
+5%
114
+9%
123
+8%
127
+4%
134
+6%
141
+5%
143
+1%
143
0%
145
+1%
153
+5%
182
+19%
176
-3%
159
-10%
144
-9%
118
-18%
158
+33%
214
+36%
261
+22%
418
+60%
321
-23%
200
-38%
Net Income
Tax Provision
(12)
(14)
(16)
(16)
(16)
(15)
(14)
(20)
(28)
(24)
(17)
(13)
(13)
(17)
(18)
(21)
(21)
(21)
(23)
(23)
(20)
(22)
(26)
(26)
(27)
(28)
(27)
(27)
(28)
(30)
(36)
(34)
(32)
(30)
(27)
(37)
(49)
(62)
(104)
(78)
(46)
Income from Continuing Operations
40
48
55
55
56
62
69
67
63
51
37
30
41
51
54
61
60
65
72
76
85
93
97
101
107
113
116
117
117
123
146
142
127
114
91
121
165
199
314
242
154
Net Income (Common)
40
N/A
48
+18%
55
+15%
55
+1%
56
+1%
62
+12%
69
+10%
67
-3%
63
-6%
51
-20%
37
-27%
30
-19%
41
+37%
51
+24%
54
+6%
61
+14%
60
-3%
65
+9%
72
+11%
76
+5%
85
+11%
93
+9%
97
+5%
101
+4%
107
+6%
113
+6%
116
+2%
117
+0%
117
+1%
123
+5%
146
+19%
142
-3%
127
-10%
114
-11%
91
-20%
121
+33%
165
+36%
199
+21%
314
+57%
242
-23%
154
-37%
EPS (Diluted)
0.55
N/A
0.64
+16%
0.73
+14%
0.74
+1%
0.75
+1%
0.84
+12%
0.93
+11%
0.91
-2%
0.87
-4%
0.24
-72%
0.18
-25%
0.1
-44%
0.14
+40%
0.17
+21%
0.18
+6%
0.2
+11%
0.19
-5%
0.21
+11%
0.23
+10%
0.24
+4%
0.27
+13%
0.3
+11%
0.31
+3%
0.33
+6%
0.35
+6%
0.38
+9%
0.4
+5%
0.41
+2%
0.42
+2%
0.45
+7%
0.54
+20%
0.53
-2%
0.48
-9%
0.44
-8%
0.36
-18%
0.47
+31%
0.63
+34%
0.78
+24%
1.26
+62%
0.99
-21%
0.66
-33%

See Also

Summary
PAG intrinsic value, competitors valuation, and company profile.
DCF Valuation
PAG stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PAG stock valuation using valuation multiples.
Wall Street Estimates
PAG price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PAG stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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