Paragon Banking Group PLC
LSE:PAG

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Paragon Banking Group PLC
LSE:PAG
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Price: 731.5 GBX -0.54% Market Closed
Market Cap: 1.5B GBX
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Paragon Banking Group PLC

Revenue
1.2B GBP
Cost of Revenue
-561.8m GBP
Gross Profit
669m GBP
Operating Expenses
-198.1m GBP
Operating Income
470.9m GBP
Other Expenses
-273m GBP
Net Income
197.9m GBP

Margins Comparison
Paragon Banking Group PLC Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
UK
Paragon Banking Group PLC
LSE:PAG
1.6B GBP
54%
38%
16%
US
Rocket Companies Inc
NYSE:RKT
23.5B USD
0%
9%
0%
US
UWM Holdings Corp
NYSE:UWMC
9.4B USD
89%
50%
-1%
US
Mr Cooper Group Inc
NASDAQ:COOP
6.1B USD
0%
37%
26%
US
MGIC Investment Corp
NYSE:MTG
6.1B USD
0%
84%
64%
BM
Essent Group Ltd
NYSE:ESNT
5.7B USD
0%
73%
60%
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD
66%
10%
8%
US
Enact Holdings Inc
NASDAQ:ACT
5.1B USD
0%
78%
57%
US
Radian Group Inc
NYSE:RDN
4.8B USD
0%
70%
46%
US
New York Community Bancorp Inc
NYSE:NYCB
4.6B USD
0%
0%
-98%
US
Axos Financial Inc
NYSE:AX
4.1B USD
0%
0%
38%
Country UK
Market Cap 1.6B GBP
Gross Margin
54%
Operating Margin
38%
Net Margin
16%
Country US
Market Cap 23.5B USD
Gross Margin
0%
Operating Margin
9%
Net Margin
0%
Country US
Market Cap 9.4B USD
Gross Margin
89%
Operating Margin
50%
Net Margin
-1%
Country US
Market Cap 6.1B USD
Gross Margin
0%
Operating Margin
37%
Net Margin
26%
Country US
Market Cap 6.1B USD
Gross Margin
0%
Operating Margin
84%
Net Margin
64%
Country BM
Market Cap 5.7B USD
Gross Margin
0%
Operating Margin
73%
Net Margin
60%
Country US
Market Cap 5.2B USD
Gross Margin
66%
Operating Margin
10%
Net Margin
8%
Country US
Market Cap 5.1B USD
Gross Margin
0%
Operating Margin
78%
Net Margin
57%
Country US
Market Cap 4.8B USD
Gross Margin
0%
Operating Margin
70%
Net Margin
46%
Country US
Market Cap 4.6B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
-98%
Country US
Market Cap 4.1B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
38%
No Stocks Found

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Paragon Banking Group PLC Competitors

Country Company Market Cap ROE ROA ROCE ROIC
UK
Paragon Banking Group PLC
LSE:PAG
1.6B GBP
14%
1%
10%
2%
US
Rocket Companies Inc
NYSE:RKT
23.5B USD
-2%
0%
3%
2%
US
UWM Holdings Corp
NYSE:UWMC
9.4B USD
-17%
0%
10%
10%
US
Mr Cooper Group Inc
NASDAQ:COOP
6.1B USD
11%
3%
6%
4%
US
MGIC Investment Corp
NYSE:MTG
6.1B USD
15%
12%
15%
13%
BM
Essent Group Ltd
NYSE:ESNT
5.7B USD
14%
11%
14%
12%
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD
5%
1%
2%
1%
US
Enact Holdings Inc
NASDAQ:ACT
5.1B USD
14%
11%
15%
13%
US
Radian Group Inc
NYSE:RDN
4.8B USD
14%
8%
12%
9%
US
New York Community Bancorp Inc
NYSE:NYCB
4.6B USD
-32%
-3%
0%
0%
US
Axos Financial Inc
NYSE:AX
4.1B USD
22%
2%
0%
0%
Country UK
Market Cap 1.6B GBP
ROE
14%
ROA
1%
ROCE
10%
ROIC
2%
Country US
Market Cap 23.5B USD
ROE
-2%
ROA
0%
ROCE
3%
ROIC
2%
Country US
Market Cap 9.4B USD
ROE
-17%
ROA
0%
ROCE
10%
ROIC
10%
Country US
Market Cap 6.1B USD
ROE
11%
ROA
3%
ROCE
6%
ROIC
4%
Country US
Market Cap 6.1B USD
ROE
15%
ROA
12%
ROCE
15%
ROIC
13%
Country BM
Market Cap 5.7B USD
ROE
14%
ROA
11%
ROCE
14%
ROIC
12%
Country US
Market Cap 5.2B USD
ROE
5%
ROA
1%
ROCE
2%
ROIC
1%
Country US
Market Cap 5.1B USD
ROE
14%
ROA
11%
ROCE
15%
ROIC
13%
Country US
Market Cap 4.8B USD
ROE
14%
ROA
8%
ROCE
12%
ROIC
9%
Country US
Market Cap 4.6B USD
ROE
-32%
ROA
-3%
ROCE
0%
ROIC
0%
Country US
Market Cap 4.1B USD
ROE
22%
ROA
2%
ROCE
0%
ROIC
0%
No Stocks Found

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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