Paragon Banking Group (PAG)

Sector:

Financials

Index:

FTSE 250

723.00p
   
  • Change Today:
    -10.00p
  • 52 Week High: 739.00
  • 52 Week Low: 443.60
  • Currency: UK Pounds
  • Shares Issued: 211.69m
  • Volume: 44,372
  • Market Cap: £1,530.48m
  • RiskGrade: 172

Key Financials

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Growth Metrics 30-Sep-21 30-Sep-20 30-Sep-19 30-Sep-18 30-Sep-14
Annualisation Factor n/a 1.0 1.0 0.2 1.0
Dividend Yield 4.8% 4.3% 4.4% 4.1% 2.6%
           
Continuing Operations          
PE Ratio - Adjusted 8.4 9.2 9.8 9.9 10.7
PE Ratio - Diluted 8.7
8.7		 9.4
9.3		 10.0
10.0		 8.8
8.8		 11.0
11.0
PEG - Adjusted 0.1 n/a 4.9 0.2 0.8
PEG - Diluted 0.1
0.1		 n/a
n/a		 n/a
n/a		 0.1
0.1		 0.8
0.8
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Operating Margin 65.77%
65.77%		 40.12%
40.12%		 51.74%
51.74%		 60.12%
60.12%		 62.05%
62.05%
           
Continuing & Discontinued Operations          
PE Ratio - Adjusted 828.9 9.2 9.8 39.4 10.7
PE Ratio - Diluted 857.8
858.1		 9.4
9.3		 10.0
10.0		 35.4
35.4		 11.0
11.0
PEG - Adjusted n/a n/a 0.0 n/a 0.8
PEG - Diluted n/a
n/a		 n/a
n/a		 0.0
0.0		 n/a
n/a		 0.8
0.8

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Value Metrics 30-Sep-21 30-Sep-20 30-Sep-19 30-Sep-18 30-Sep-14
Price/Book Value 1.3 0.9 1.3 1.4 1.1
Price/Tangible Book Value 1.3 0.9 1.3 1.4 1.1
Price/ Cash Flow 1.6 0.8 3.1 1.2 (3.9)
Price/Revenue 419.66 2.86 4.04 16.56 5.26
Price/R&D n/a n/a n/a n/a n/a
Net Asset Value per Share (exc. Intangibles) 424.65p 388.76p 363.86p 346.70p 308.34p
Net Cash per Share n/a n/a n/a n/a n/a

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Annualised Fundamentals 30-Sep-21 30-Sep-20 30-Sep-19 30-Sep-18 30-Sep-14
Continuing Operations          
Revenue 3.28 295.10 307.30 75.42 197.90
Profit Before Tax 2.16
2.16		 118.40
118.40		 159.00
159.00		 45.34
45.34		 122.80
122.80
           
Revenue per Share 1.30p 116.36p 119.29p 28.92p 64.97p
Pre-Tax Profit per Share 0.85p
0.85p		 46.69p
46.69p		 61.72p
61.72p		 17.39p
17.39p		 40.31p
40.31p
Market Capitalisation £ (Millions) 1,431.91 871.72 1,261.83 1,348.29 1,043.30
Operating Margin 65.77%
65.77%		 40.12%
40.12%		 51.74%
51.74%		 60.12%
60.12%		 62.05%
62.05%
Capital Employed £ (Millions) 4,620.70 7,215.60 7,585.70 8,866.20 10,817.70
Return on Capital Employed n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a		 n/a
n/a
Invested Equity Capital £ (Millions) 1,241.90 1,156.00 1,108.40 1,074.30 957.20
           
Earnings per Share - Basic 65.20p
65.20p		 36.00p
36.00p		 49.40p
49.46p		 55.90p
55.91p		 31.90p
31.91p
Earnings per Share - Diluted 63.00p
62.98p		 35.60p
35.65p		 48.20p
48.20p		 54.20p
54.16p		 31.10p
31.13p
Earnings per Share - Adjusted 65.20p 36.00p 49.40p 48.60p 31.90p
Earnings per Share Growth - Basic 81%
81%		 -27%
-27%		 -12%
-12%		 75%
75%		 13%
13%
Earnings per Share Growth - Diluted 77%
77%		 -26%
-26%		 -11%
-11%		 74%
74%		 14%
14%
Earnings per Share Growth - Adjusted 81% -27% 2% 52% 13%
PE Ratio - Diluted 8.7
8.7		 9.4
9.3		 10.0
10.0		 8.8
8.8		 11.0
11.0
PEG - Diluted 0.1
0.1		 n/a
n/a		 n/a
n/a		 0.1
0.1		 0.8
0.8
Tax Rate 23.02% 22.89% 19.87% 19.67% 20.85%
Dividend Cover 2.50
2.50		 2.50
2.50		 2.33
2.33		 2.51
2.88		 3.54
3.55
           
Continuing & Discontinued Operations          
Earnings per Share - Basic 0.66p
0.66p		 36.00p
36.00p		 49.40p
49.46p		 13.96p
13.97p		 31.90p
31.91p
Earnings per Share - Diluted 0.64p
0.64p		 35.60p
35.65p		 48.20p
48.20p		 13.54p
13.53p		 31.10p
31.13p
Earnings per Share - Adjusted 0.66p 36.00p 49.40p 12.14p 31.90p
Earnings per Share Growth - Basic -98%
-98%		 -27%
-27%		 254%
254%		 -56%
-56%		 13%
13%
Earnings per Share Growth - Diluted -98%
-98%		 -26%
-26%		 256%
256%		 -56%
-56%		 14%
14%
Earnings per Share Growth - Adjusted -98% -27% 307% -62% 13%
PE Ratio - Diluted 857.8
858.1		 9.4
9.3		 10.0
10.0		 35.4
35.4		 11.0
11.0
PEG - Diluted n/a
n/a		 n/a
n/a		 0.0
0.0		 n/a
n/a		 0.8
0.8
Dividend Cover 0.03
0.03		 2.50
2.50		 2.33
2.33		 0.63
0.72		 3.54
3.55
Return on Equity (ROE) 0.13%
0.13%		 7.90%
7.90%		 11.49%
11.49%		 3.39%
3.39%		 10.15%
10.15%
Operating Cash Flow per Share 348.04p 405.64p 154.46p 411.96p (88.48p)
Gross Cash Flow per Share cn/a cn/a cn/a cn/a cn/a
Cash Incr/Decr per Share (2.26p) 276.10p (33.04p) (17.89p) 85.95p
Dividend per Share 26.10p 14.40p 21.20p 19.40p 9.00p
Dividend per Share Growth 81.25% (32.08%) 9.28% 115.56% 25.00%
Dividend Yield 4.8% 4.3% 4.4% 4.1% 2.6%
Shareholders Funds 1,241.90 1,156.00 1,108.40 1,073.50 947.10
Net Borrowings £ (Millions) 4,451.40 6,229.70 6,648.40 6,650.60 9,019.60
Net Asset Value per Share (inc. Intangibles) 424.65p 388.76p 363.86p 346.70p 308.34p

Key

* GAAP

a. Includes discontinued activities

b. Based on operating cash flow before tax

c. Not disclosed under IFRS

d. Includes non-current assets

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Normalised ratios are shown in blue text

Note 6: Forecast figures based on normalised accounts.

 

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