Paragon Banking Group PLC
LSE:PAG
Intrinsic Value
Paragon Banking Group Plc engages in the provision of finance. [ Read More ]
The intrinsic value of one
PAG
stock under the Base Case scenario is
1 736.9
GBX.
Compared to the current market price of 690 GBX,
Paragon Banking Group PLC
is
Undervalued by 60%.
PAG could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Paragon Banking Group PLC's market capitalization is 1.5B GBX.
PAG stock price is 690 GBX.
PAG stock price (690 GBX) is 60% less than its Intrinsic Value (1 736.9 GBX).
PAG stock price (690 GBX) is 68% less than its Relative Value (2 165.5 GBX). Open Relative Valuation
PAG has upside potential of 14% compared to the average analyst price target.
Open Wall St Estimates
PAG's ROE (Return on Equity) has increased in the last 3 years from 10% to 11%.
PAG's ROE (Return on Equity) for the past 12 months is positive and is equal to 11%.
PAG's ROIC (Return on Invested Capital) has increased in the last 3 years from 1% to 2%.
PAG's long-term assets (18B GBP) exceed its long-term liabilties (17B GBP).
PAG has positive three-year average ROE (Return on Equity): 14%. The company is efficient at transforming stockholders' equity into net income.
PAG's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 2%.
PAG has a very low three-year average ROIC (Return on Invested Capital): 2%. The company is not efficient at using invested capital to generate operating income.
PAG's Revenue has grown by an exceptional 81% over the past 12 months.
PAG has positive Net Income for the last twelve months.
PAG's Revenue has been growing by an exceptional 26% per year for the last 3 years.
PAG's Revenue is forecast to fall at a rate of 21% per year over the next 3 years.
PAG has positive Operating Income for the last twelve months.
PAG has positive Gross Profit for the last twelve months.
PAG has positive Net Debt. This means that the company has more debt (16B GBP) than cash and short-term investments (3B GBP).
PAG has positive Free Cash Flow for the last twelve months.
PAG's short-term liabilties (13B GBP) exceed its short-term assets (3B GBP).
PAG's D/E (Debt to Equity) is very high and is equal to 11.57.
PAG's Altman Z-Score is very low and is equal to 0.27.
Valuation Backtest
Paragon Banking Group PLC
Run backtest to discover the historical profit from buying and selling
PAG
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Paragon Banking Group PLC
Balance Sheet Decomposition
Paragon Banking Group PLC
| Current Assets | 3.1B |
| Cash & Short-Term Investments | 3B |
| Receivables | 59.9m |
| Non-Current Assets | 15.4B |
| PP&E | 74.7m |
| Intangibles | 168.2m |
| Other Non-Current Assets | 15.1B |
| Current Liabilities | 13.3B |
| Short-Term Debt | 13.3B |
| Non-Current Liabilities | 3.7B |
| Long-Term Debt | 3B |
| Other Non-Current Liabilities | 688.8m |
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
|
Free Cash Flow Analysis
Paragon Banking Group PLC
PAG Profitability Score
Profitability Due Diligence
Paragon Banking Group PLC's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
Score
Paragon Banking Group PLC's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
PAG Solvency Score
Solvency Due Diligence
Paragon Banking Group PLC's solvency score is 24/100. The higher the solvency score, the more solvent the company is.
Score
Paragon Banking Group PLC's solvency score is 24/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
PAG Price Targets Summary
Paragon Banking Group PLC
According to Wall Street analysts, the average 1-year price target for
PAG
is 788.09 GBX
with a low forecast of 611.05 GBX and a high forecast of 971.25 GBX.
Shareholder Return
PAG Price
Paragon Banking Group PLC
| Average Annual Return | 11.97% |
| Standard Deviation of Annual Returns | 19.78% |
| Max Drawdown | -56% |
| Market Capitalization | 1.5B GBX |
| Shares Outstanding | 212 448 992 |
| Percentage of Shares Shorted | 50% |
Company Profile
Paragon Banking Group PLC
Country
Industry
Market Cap
Dividend Yield
Description
Paragon Banking Group Plc engages in the provision of finance. The company is headquartered in Solihull, West Midlands and currently employs 1,441 full-time employees. The Bank's lending products include mortgages for landlords and loans for business customers. Its lending is funded by deposits from savings customers, together with wholesale funding. The Banks's segments include: Mortgage Lending, Commercial Lending and Idem Capital. The Mortgage Lending segment includes its buy-to-let, and owner-occupied first and second charge lending and related activities. The Commercial Lending segment includes its equipment leasing activities, development finance, structured lending and other offerings targeted towards small and medium size enterprise (SME) customers, together with its motor finance business. The Idem Capital segment includes loan assets acquired from third parties and assets which share certain credit characteristics with them. The Bank funds its assets using a variety of sources, including retail deposits, securitization and bond issuance.
Contact
IPO
Employees
Officers
The intrinsic value of one
PAG
stock under the Base Case scenario is
1 736.9
GBX.
Compared to the current market price of 690 GBX,
Paragon Banking Group PLC
is
Undervalued by 60%.
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