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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Relative Value

The Relative Value of one PAG stock under the Base Case scenario is 2 089.64 GBX. Compared to the current market price of 731.5 GBX, Paragon Banking Group PLC is Undervalued by 65%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

PAG Relative Value
Base Case
2 089.64 GBX
Undervaluation 65%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

1.3
P/S
P/S
Price to Sales
1.3
vs History
93
vs Industry
70
Median 3Y
1.7
Median 5Y
1.7
Industry
3.1
Forward
3.1
More Details
8
P/E
P/E
Price to Earnings
8
vs History
52
vs Industry
50
Median 3Y
6.9
Median 5Y
7.6
Industry
15.3
Forward
7.9
More Details
0.6
P/OCF
P/OCF
Price to OCF
0.6
vs History
93
vs Industry
52
Median 3Y
0.7
Median 5Y
0.9
Industry
10.2
More Details
1.6
P/FCFE
P/FCFE
Price to FCFE
1.6
vs History
30
vs Industry
45
Median 3Y
1.3
Median 5Y
1.3
Industry
12.7
More Details
1.1
P/B
P/B
Price to Book Value
1.1
vs History
22
vs Industry
41
Median 3Y
1
Median 5Y
0.9
Industry
1.3
More Details
12.6
EV/S
EV/S
Enterprise Value to Sales
12.6
vs History
98
vs Industry
16
Median 3Y
19.2
Median 5Y
24.2
Industry
4.8
Forward
30.6
More Details
23.2
EV/GP
EV/GP
Enterprise Value to Gross Profit
23.2
vs History
93
vs Industry
11
Median 3Y
26.5
Median 5Y
34.9
Industry
7
More Details
32.5
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
32.5
vs History
90
vs Industry
19
Median 3Y
39.3
Median 5Y
53.4
Industry
14.2
Forward
51.5
More Details
33
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
33
vs History
90
vs Industry
15
Median 3Y
39.9
Median 5Y
54.7
Industry
14.6
Forward
48.4
More Details
6.3
EV/OCF
EV/OCF
Enterprise Value to OCF
6.3
vs History
98
vs Industry
38
Median 3Y
8.2
Median 5Y
11.9
Industry
12.4
More Details
6.3
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
6.3
vs History
98
vs Industry
37
Median 3Y
8.2
Median 5Y
12
Industry
13.5
More Details
1
EV/IC
EV/IC
Enterprise Value to IC
1
vs History
57
vs Industry
36
Median 3Y
1
Median 5Y
1
Industry
0.9
More Details

Multiples Across Competitors

PAG Competitors Multiples
Paragon Banking Group PLC Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
UK
Paragon Banking Group PLC
LSE:PAG
1.6B GBP 1.3 8 32.5 33
US
Rocket Companies Inc
NYSE:RKT
23.5B USD 5.4 -1 542.5 75.9 97.8
US
UWM Holdings Corp
NYSE:UWMC
9.4B USD 3.8 -435.9 16.1 16.8
US
Mr Cooper Group Inc
NASDAQ:COOP
6.1B USD 3.1 11.9 20.2 21.2
US
MGIC Investment Corp
NYSE:MTG
6.1B USD 5.1 7.9 6.3 6.4
BM
Essent Group Ltd
NYSE:ESNT
5.7B USD 4.6 7.7 6.7 6.7
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD 2.3 30.6 62.4 78.5
US
Enact Holdings Inc
NASDAQ:ACT
5.1B USD 4.3 7.4 5.5 5.5
US
Radian Group Inc
NYSE:RDN
4.8B USD 3.7 8 7 7.4
US
New York Community Bancorp Inc
NYSE:NYCB
4.6B USD 1.4 -1.5 58.6 0
US
Axos Financial Inc
NYSE:AX
4.1B USD 3.2 8.5 157.3 0
P/E Multiple
Earnings Growth P/E to Growth
UK
Paragon Banking Group PLC
LSE:PAG
Average P/E: 11.3
8
42%
0.2
US
Rocket Companies Inc
NYSE:RKT
Negative Multiple: -1 542.5 N/A N/A
US
UWM Holdings Corp
NYSE:UWMC
Negative Multiple: -435.9 N/A N/A
US
Mr Cooper Group Inc
NASDAQ:COOP
11.9
96%
0.1
US
MGIC Investment Corp
NYSE:MTG
7.9
5%
1.6
BM
Essent Group Ltd
NYSE:ESNT
7.7
12%
0.6
US
PennyMac Financial Services Inc
NYSE:PFSI
30.6
471%
0.1
US
Enact Holdings Inc
NASDAQ:ACT
7.4
2%
4.3
US
Radian Group Inc
NYSE:RDN
8
-6%
N/A
US
New York Community Bancorp Inc
NYSE:NYCB
Negative Multiple: -1.5 N/A N/A
US
Axos Financial Inc
NYSE:AX
8.5
N/A N/A

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
Discover More
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