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Paragon Banking Group PLC
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Let's analyse Paragon Banking Group PLC together

PenkeI guess you are interested in Paragon Banking Group PLC. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Paragon Banking Group PLC. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Paragon Banking Group PLC (30 sec.)










What can you expect buying and holding a share of Paragon Banking Group PLC? (30 sec.)

How much money do you get?

How much money do you get?
p1.48
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
p607.76
Expected worth in 1 year
p762.90
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
p272.17
Return On Investment
40.4%

For what price can you sell your share?

Current Price per Share
p674.50
Expected price per share
p623.50 - p704.74
How sure are you?
50%

1. Valuation of Paragon Banking Group PLC (5 min.)




Live pricePrice per Share (EOD)

p674.50

Intrinsic Value Per Share

p5,917.24 - p12,915.99

Total Value Per Share

p6,525.00 - p13,523.74

2. Growth of Paragon Banking Group PLC (5 min.)




Is Paragon Banking Group PLC growing?

Current yearPrevious yearGrowGrow %
How rich?$1.7b$1.7b-$8.4m-0.5%

How much money is Paragon Banking Group PLC making?

Current yearPrevious yearGrowGrow %
Making money$194.1m$395.7m-$201.5m-103.8%
Net Profit Margin37.6%1,568.0%--

How much money comes from the company's main activities?

3. Financial Health of Paragon Banking Group PLC (5 min.)




4. Comparing to competitors in the Mortgage Finance industry (5 min.)




  Industry Rankings (Mortgage Finance)  

What can you expect buying and holding a share of Paragon Banking Group PLC? (5 min.)

Welcome investor! Paragon Banking Group PLC's management wants to use your money to grow the business. In return you get a share of Paragon Banking Group PLC.

What can you expect buying and holding a share of Paragon Banking Group PLC?

First you should know what it really means to hold a share of Paragon Banking Group PLC. And how you can make/lose money.

Speculation

The Price per Share of Paragon Banking Group PLC is p674.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Paragon Banking Group PLC.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Paragon Banking Group PLC, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is p607.76. Based on the TTM, the Book Value Change Per Share is p38.79 per quarter. Based on the YOY, the Book Value Change Per Share is p93.51 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is p29.25 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Paragon Banking Group PLC.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 p% of Price per Sharep% of Price per Sharep% of Price per Sharep% of Price per Sharep% of Price per Share
Usd Eps0.840.1%0.840.1%1.590.2%0.830.1%0.680.1%
Usd Book Value Change Per Share0.490.1%0.490.1%1.180.2%0.420.1%0.370.1%
Usd Dividend Per Share0.370.1%0.370.1%0.350.1%0.270.0%0.210.0%
Usd Total Gains Per Share0.860.1%0.860.1%1.530.2%0.690.1%0.590.1%
Usd Price Per Share6.21-6.21-4.98-5.72-5.38-
Price to Earnings Ratio7.42-7.42-3.14-7.88-8.80-
Price-to-Total Gains Ratio7.23-7.23-3.26-12.35-12.13-
Price to Book Ratio0.81-0.81-0.69-0.95-1.04-
Price-to-Total Gains Ratio7.23-7.23-3.26-12.35-12.13-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.510841
Number of shares117
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.370.27
Usd Book Value Change Per Share0.490.42
Usd Total Gains Per Share0.860.69
Gains per Quarter (117 shares)100.4580.94
Gains per Year (117 shares)401.80323.74
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1173229392126197314
2346458794253395638
35186871196379592962
469191615985057901286
5864114520006319871610
610371374240275811851934
712091603280488413822258
8138218323206101015802582
9155520613608113617772906
10172822904010126319753230

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%6.00.00.0100.0%11.00.00.0100.0%31.03.00.091.2%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.01.083.3%10.00.01.090.9%29.04.01.085.3%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%6.00.00.0100.0%11.00.00.0100.0%23.00.011.067.6%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%6.00.00.0100.0%11.00.00.0100.0%30.04.00.088.2%

Fundamentals of Paragon Banking Group PLC

About Paragon Banking Group PLC

Paragon Banking Group PLC provides financial products and services in the United Kingdom. It operates in two segments, Mortgage Lending and Commercial Lending. The Mortgage Lending segment offers buy-to-let mortgages, as well as includes owner-occupied first and second charge mortgages. The Commercial Lending segment comprises SME lending, such as hire purchase, and finance and operating leases; and provides development finance, motor finance, structured lending, and other products. It offers a range of savings products; and deposits taking, mortgage brokerage, vehicle financing, asset and portfolio administration, asset financing and contract hire, asset finance brokerage, asset investment, consumer loan finance, and surveyors and property consulting services. The company was formerly known as The Paragon Group of Companies PLC and changed its name to Paragon Banking Group PLC in September 2017. Paragon Banking Group PLC was founded in 1985 and is headquartered in Solihull, the United Kingdom.

Fundamental data was last updated by Penke on 2024-03-14 06:23:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Paragon Banking Group PLC.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Paragon Banking Group PLC earns for each 1 of revenue.

  • Above 10% is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • A Net Profit Margin of 37.6% means that 0.38 for each 1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Paragon Banking Group PLC:

  • The MRQ is 37.6%. The company is making a huge profit. +2
  • The TTM is 37.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ37.6%TTM37.6%0.0%
TTM37.6%YOY1,568.0%-1,530.4%
TTM37.6%5Y294.8%-257.2%
5Y294.8%10Y182.3%+112.4%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ37.6%51.3%-13.7%
TTM37.6%53.3%-15.7%
YOY1,568.0%50.6%+1,517.4%
5Y294.8%55.0%+239.8%
10Y182.3%47.7%+134.6%
1.1.2. Return on Assets

Shows how efficient Paragon Banking Group PLC is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • 0.8% Return on Assets means that Paragon Banking Group PLC generated 0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Paragon Banking Group PLC:

  • The MRQ is 0.8%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.8%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM0.8%0.0%
TTM0.8%YOY1.9%-1.0%
TTM0.8%5Y1.0%-0.2%
5Y1.0%10Y1.0%+0.1%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%0.1%+0.7%
TTM0.8%0.1%+0.7%
YOY1.9%0.1%+1.8%
5Y1.0%0.2%+0.8%
10Y1.0%0.1%+0.9%
1.1.3. Return on Equity

Shows how efficient Paragon Banking Group PLC is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • 10.9% Return on Equity means Paragon Banking Group PLC generated 0.11 for each 1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Paragon Banking Group PLC:

  • The MRQ is 10.9%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 10.9%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ10.9%TTM10.9%0.0%
TTM10.9%YOY22.1%-11.2%
TTM10.9%5Y13.2%-2.3%
5Y13.2%10Y12.5%+0.7%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ10.9%5.1%+5.8%
TTM10.9%6.1%+4.8%
YOY22.1%6.9%+15.2%
5Y13.2%13.6%-0.4%
10Y12.5%12.5%0.0%

1.2. Operating Efficiency of Paragon Banking Group PLC.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Paragon Banking Group PLC is operating .

  • Measures how much profit Paragon Banking Group PLC makes for each 1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • An Operating Margin of 48.8% means the company generated 0.49  for each 1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Paragon Banking Group PLC:

  • The MRQ is 48.8%. The company is operating very efficient. +2
  • The TTM is 48.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ48.8%TTM48.8%0.0%
TTM48.8%YOY2,962.0%-2,913.2%
TTM48.8%5Y526.7%-477.9%
5Y526.7%10Y309.3%+217.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ48.8%21.0%+27.8%
TTM48.8%17.5%+31.3%
YOY2,962.0%27.7%+2,934.3%
5Y526.7%25.2%+501.5%
10Y309.3%26.8%+282.5%
1.2.2. Operating Ratio

Measures how efficient Paragon Banking Group PLC is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • An Operation Ratio of 0.05 means that the operating costs are 0.05 for each 1 in net sales.

Let's take a look of the Operating Ratio trends of Paragon Banking Group PLC:

  • The MRQ is 0.053. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.053. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.053TTM0.0530.000
TTM0.053YOY1.000-0.947
TTM0.0535Y0.406-0.352
5Y0.40610Y0.526-0.121
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0530.579-0.526
TTM0.0530.725-0.672
YOY1.0000.752+0.248
5Y0.4060.659-0.253
10Y0.5260.665-0.139

1.3. Liquidity of Paragon Banking Group PLC.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Paragon Banking Group PLC is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Mortgage Finance industry mean).
  • A Current Ratio of 15.91 means the company has 15.91 in assets for each 1 in short-term debts.

Let's take a look of the Current Ratio trends of Paragon Banking Group PLC:

  • The MRQ is 15.910. The company is very able to pay all its short-term debts. +2
  • The TTM is 15.910. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ15.910TTM15.9100.000
TTM15.910YOY34.635-18.725
TTM15.9105Y26.733-10.823
5Y26.73310Y25.640+1.093
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ15.91014.710+1.200
TTM15.91037.702-21.792
YOY34.6352.525+32.110
5Y26.73338.137-11.404
10Y25.64030.991-5.351
1.3.2. Quick Ratio

Measures if Paragon Banking Group PLC is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • A Quick Ratio of 15.95 means the company can pay off 15.95 for each 1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Paragon Banking Group PLC:

  • The MRQ is 15.953. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 15.953. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ15.953TTM15.9530.000
TTM15.953YOY34.635-18.682
TTM15.9535Y26.674-10.721
5Y26.67410Y14.554+12.120
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ15.9533.339+12.614
TTM15.95341.352-25.399
YOY34.6353.145+31.490
5Y26.67435.139-8.465
10Y14.55439.955-25.401

1.4. Solvency of Paragon Banking Group PLC.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Paragon Banking Group PLC assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Paragon Banking Group PLC to Mortgage Finance industry mean.
  • A Debt to Asset Ratio of 0.92 means that Paragon Banking Group PLC assets are financed with 92.3% credit (debt) and the remaining percentage (100% - 92.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Paragon Banking Group PLC:

  • The MRQ is 0.923. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.923. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.923TTM0.9230.000
TTM0.923YOY0.915+0.009
TTM0.9235Y0.922+0.002
5Y0.92210Y0.9220.000
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9230.964-0.041
TTM0.9230.948-0.025
YOY0.9150.946-0.031
5Y0.9220.947-0.025
10Y0.9220.933-0.011
1.4.2. Debt to Equity Ratio

Measures if Paragon Banking Group PLC is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • A Debt to Equity ratio of 1,205.8% means that company has 12.06 debt for each 1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Paragon Banking Group PLC:

  • The MRQ is 12.058. The company is unable to pay all its debts with equity. -1
  • The TTM is 12.058. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.058TTM12.0580.000
TTM12.058YOY10.750+1.308
TTM12.0585Y11.774+0.285
5Y11.77410Y11.831-0.057
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ12.05829.828-17.770
TTM12.05827.007-14.949
YOY10.75029.454-18.704
5Y11.77425.735-13.961
10Y11.83121.065-9.234

2. Market Valuation of Paragon Banking Group PLC

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every 1 in earnings Paragon Banking Group PLC generates.

  • Above 15 is considered overpriced but always compare Paragon Banking Group PLC to the Mortgage Finance industry mean.
  • A PE ratio of 7.42 means the investor is paying 7.42 for every 1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Paragon Banking Group PLC:

  • The EOD is 10.172. Based on the earnings, the company is underpriced. +1
  • The MRQ is 7.420. Based on the earnings, the company is cheap. +2
  • The TTM is 7.420. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD10.172MRQ7.420+2.752
MRQ7.420TTM7.4200.000
TTM7.420YOY3.136+4.284
TTM7.4205Y7.881-0.461
5Y7.88110Y8.804-0.922
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD10.1722.274+7.898
MRQ7.4201.649+5.771
TTM7.4201.120+6.300
YOY3.1368.682-5.546
5Y7.88118.078-10.197
10Y8.80411.419-2.615
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Paragon Banking Group PLC:

  • The EOD is 0.722. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 0.527. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 0.527. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.722MRQ0.527+0.195
MRQ0.527TTM0.5270.000
TTM0.527YOY0.844-0.317
TTM0.5275Y1.374-0.848
5Y1.37410Y-3.273+4.648
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD0.7222.464-1.742
MRQ0.5271.737-1.210
TTM0.5271.266-0.739
YOY0.8440.132+0.712
5Y1.3740.468+0.906
10Y-3.273-0.095-3.178
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Paragon Banking Group PLC is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • A PB ratio of 0.81 means the investor is paying 0.81 for each 1 in book value.

Let's take a look of the Price to Book Ratio trends of Paragon Banking Group PLC:

  • The EOD is 1.110. Based on the equity, the company is underpriced. +1
  • The MRQ is 0.810. Based on the equity, the company is cheap. +2
  • The TTM is 0.810. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.110MRQ0.810+0.300
MRQ0.810TTM0.8100.000
TTM0.810YOY0.694+0.116
TTM0.8105Y0.950-0.140
5Y0.95010Y1.038-0.088
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD1.1100.487+0.623
MRQ0.8100.352+0.458
TTM0.8100.310+0.500
YOY0.6940.418+0.276
5Y0.9501.656-0.706
10Y1.0380.907+0.131
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Paragon Banking Group PLC compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--38.78738.7870%93.509-59%33.443+16%29.674+31%
Book Value Per Share--607.755607.7550%568.968+7%488.339+24%422.592+44%
Current Ratio--15.91015.9100%34.635-54%26.733-40%25.640-38%
Debt To Asset Ratio--0.9230.9230%0.915+1%0.922+0%0.922+0%
Debt To Equity Ratio--12.05812.0580%10.750+12%11.774+2%11.831+2%
Dividend Per Share--29.25529.2550%27.660+6%21.380+37%16.958+73%
Eps--66.30866.3080%125.893-47%65.532+1%54.084+23%
Free Cash Flow Per Share--934.296934.2960%467.965+100%447.588+109%345.634+170%
Free Cash Flow To Equity Per Share--458.208458.2080%228.864+100%123.844+270%108.151+324%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--12915.987--------
Intrinsic Value_10Y_min--5917.242--------
Intrinsic Value_1Y_max--734.803--------
Intrinsic Value_1Y_min--412.168--------
Intrinsic Value_3Y_max--2634.167--------
Intrinsic Value_3Y_min--1402.313--------
Intrinsic Value_5Y_max--5047.597--------
Intrinsic Value_5Y_min--2564.515--------
Market Cap144411119104.000+21%114193200000.000114193200000.0000%98344680000.000+16%115828696666.667-1%115146980000.000-1%
Net Profit Margin--0.3760.3760%15.680-98%2.948-87%1.823-79%
Operating Margin--0.4880.4880%29.620-98%5.267-91%3.093-84%
Operating Ratio--0.0530.0530%1.000-95%0.406-87%0.526-90%
Pb Ratio1.110+27%0.8100.8100%0.694+17%0.950-15%1.038-22%
Pe Ratio10.172+27%7.4207.4200%3.136+137%7.881-6%8.804-16%
Price Per Share674.500+27%492.000492.0000%394.800+25%453.350+9%426.255+15%
Price To Free Cash Flow Ratio0.722+27%0.5270.5270%0.844-38%1.374-62%-3.273+722%
Price To Total Gains Ratio9.913+27%7.2317.2310%3.258+122%12.351-41%12.125-40%
Quick Ratio--15.95315.9530%34.635-54%26.674-40%14.554+10%
Return On Assets--0.0080.0080%0.019-56%0.010-20%0.010-15%
Return On Equity--0.1090.1090%0.221-51%0.132-17%0.125-13%
Total Gains Per Share--68.04268.0420%121.168-44%54.823+24%46.631+46%
Usd Book Value--1779895080.0001779895080.0000%1788349140.0000%1562550030.000+14%1424858972.727+25%
Usd Book Value Change Per Share--0.4890.4890%1.180-59%0.422+16%0.374+31%
Usd Book Value Per Share--7.6697.6690%7.179+7%6.162+24%5.332+44%
Usd Dividend Per Share--0.3690.3690%0.349+6%0.270+37%0.214+73%
Usd Eps--0.8370.8370%1.589-47%0.827+1%0.682+23%
Usd Free Cash Flow--2736213300.0002736213300.0000%1470880260.000+86%1409472660.000+94%1122497280.000+144%
Usd Free Cash Flow Per Share--11.78911.7890%5.905+100%5.648+109%4.361+170%
Usd Free Cash Flow To Equity Per Share--5.7825.7820%2.888+100%1.563+270%1.365+324%
Usd Market Cap1822179500.854+21%1440889797.6001440889797.6000%1240913172.240+16%1461526494.540-1%1452924593.640-1%
Usd Price Per Share8.511+27%6.2086.2080%4.982+25%5.720+9%5.378+15%
Usd Profit--194191020.000194191020.0000%395700480.000-51%209563950.000-7%181217421.818+7%
Usd Revenue--516707100.000516707100.0000%25236000.000+1948%362052480.000+43%339470083.636+52%
Usd Total Gains Per Share--0.8590.8590%1.529-44%0.692+24%0.588+46%
 EOD+4 -4MRQTTM+0 -0YOY+16 -195Y+22 -1310Y+23 -12

3.2. Fundamental Score

Let's check the fundamental score of Paragon Banking Group PLC based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.172
Price to Book Ratio (EOD)Between0-11.110
Net Profit Margin (MRQ)Greater than00.376
Operating Margin (MRQ)Greater than00.488
Quick Ratio (MRQ)Greater than115.953
Current Ratio (MRQ)Greater than115.910
Debt to Asset Ratio (MRQ)Less than10.923
Debt to Equity Ratio (MRQ)Less than112.058
Return on Equity (MRQ)Greater than0.150.109
Return on Assets (MRQ)Greater than0.050.008
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of Paragon Banking Group PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.131
Ma 20Greater thanMa 50669.600
Ma 50Greater thanMa 100662.728
Ma 100Greater thanMa 200613.225
OpenGreater thanClose674.500
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-09-30. Currency in GBP. All numbers in thousands.

Summary
Total Assets18,420,200
Total Liabilities17,009,600
Total Stockholder Equity1,410,600
 As reported
Total Liabilities 17,009,600
Total Stockholder Equity+ 1,410,600
Total Assets = 18,420,200

Assets

Total Assets18,420,200
Total Current Assets2,994,300
Long-term Assets479,000
Total Current Assets
Cash And Cash Equivalents 2,994,300
Net Receivables 8,000
Inventory -3,024,200
Other Current Assets 3,016,200
Total Current Assets  (as reported)2,994,300
Total Current Assets  (calculated)2,994,300
+/-0
Long-term Assets
Property Plant Equipment 74,700
Goodwill 162,800
Long Term Investments 236,100
Intangible Assets 5,400
Long-term Assets Other -479,000
Long-term Assets  (as reported)479,000
Long-term Assets  (calculated)0
+/- 479,000

Liabilities & Shareholders' Equity

Total Current Liabilities188,200
Long-term Liabilities295,300
Total Stockholder Equity1,410,600
Total Current Liabilities
Short-term Debt 52,800
Accounts payable 188,200
Other Current Liabilities -58,700
Total Current Liabilities  (as reported)188,200
Total Current Liabilities  (calculated)182,300
+/- 5,900
Long-term Liabilities
Long-term Liabilities  (as reported)295,300
Long-term Liabilities  (calculated)0
+/- 295,300
Total Stockholder Equity
Common Stock228,700
Retained Earnings 1,243,400
Accumulated Other Comprehensive Income 12,900
Other Stockholders Equity -74,400
Total Stockholder Equity (as reported)1,410,600
Total Stockholder Equity (calculated)1,410,600
+/-0
Other
Capital Stock228,700
Cash and Short Term Investments 2,994,300
Common Stock Shares Outstanding 232,100
Current Deferred Revenue5,900
Liabilities and Stockholders Equity 18,420,200
Net Debt -2,699,000
Net Invested Capital 1,697,000
Net Working Capital 2,806,100
Property Plant and Equipment Gross 133,200
Short Long Term Debt Total 295,300



Balance Sheet

Currency in GBP. All numbers in thousands.

 Trend2023-09-302022-09-302021-09-302020-09-302019-09-302018-10-012018-09-302017-09-302016-09-302015-09-302014-09-302013-09-302012-09-302011-09-302010-09-302009-09-302008-09-302007-09-302006-09-302005-09-302004-09-302003-09-302002-09-302001-09-302000-09-301999-09-301998-09-301997-09-301996-09-301995-09-301994-09-301993-09-301992-09-301991-09-301990-09-301989-09-301988-09-301987-09-301986-09-30
> Total Assets 
349,593
1,001,129
1,518,749
2,018,879
2,472,400
2,070,100
3,343,600
2,693,400
1,831,200
1,555,200
1,301,100
1,233,800
1,605,500
1,673,400
1,871,300
2,405,500
2,794,100
3,421,500
4,934,000
5,988,300
9,116,600
12,097,200
11,509,700
11,154,300
10,645,600
10,488,200
10,037,100
10,328,300
10,895,100
11,878,900
13,518,400
13,682,200
14,515,100
14,515,100
14,395,500
15,505,500
15,137,000
16,653,600
18,420,200
18,420,20016,653,60015,137,00015,505,50014,395,50014,515,10014,515,10013,682,20013,518,40011,878,90010,895,10010,328,30010,037,10010,488,20010,645,60011,154,30011,509,70012,097,2009,116,6005,988,3004,934,0003,421,5002,794,1002,405,5001,871,3001,673,4001,605,5001,233,8001,301,1001,555,2001,831,2002,693,4003,343,6002,070,1002,472,4002,018,8791,518,7491,001,129349,593
   > Total Current Assets 
25,291
6,324
119,388
92,656
254,200
377,800
357,100
397,100
220,700
167,500
127,400
115,300
201,700
184,500
165,700
248,300
260,100
308,500
414,700
455,900
629,000
934,400
832,900
487,600
542,600
576,300
512,100
10,310,200
10,864,300
11,849,100
13,373,800
13,531,600
13,457,400
14,261,800
1,232,100
1,931,700
1,365,500
1,936,100
2,994,300
2,994,3001,936,1001,365,5001,931,7001,232,10014,261,80013,457,40013,531,60013,373,80011,849,10010,864,30010,310,200512,100576,300542,600487,600832,900934,400629,000455,900414,700308,500260,100248,300165,700184,500201,700115,300127,400167,500220,700397,100357,100377,800254,20092,656119,3886,32425,291
       Cash And Cash Equivalents 
24,278
2,011
4,069
36,314
108,100
182,100
220,000
260,600
204,100
157,700
112,200
91,900
165,900
147,200
95,100
106,000
129,800
150,500
172,000
159,500
622,700
927,700
826,300
480,400
536,700
571,600
504,800
587,300
848,800
1,056,000
1,237,600
1,498,500
1,316,800
1,316,800
1,225,400
1,925,000
1,360,100
1,930,900
2,994,300
2,994,3001,930,9001,360,1001,925,0001,225,4001,316,8001,316,8001,498,5001,237,6001,056,000848,800587,300504,800571,600536,700480,400826,300927,700622,700159,500172,000150,500129,800106,00095,100147,200165,90091,900112,200157,700204,100260,600220,000182,100108,10036,3144,0692,01124,278
       Short-term Investments 
0
0
0
0
34,900
9,100
100
1,100
1,100
1,000
1,000
0
0
0
50,200
125,500
117,300
144,800
230,500
288,700
602,100
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000602,100288,700230,500144,800117,300125,50050,2000001,0001,0001,1001,1001009,10034,9000000
       Net Receivables 
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
5,500
4,800
3,400
5,600
6,100
5,300
12,082,900
6,700
6,700
5,400
5,200
8,000
8,0005,2005,4006,7006,70012,082,9005,3006,1005,6003,4004,8005,500000000000000000000000000000
       Other Current Assets 
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
1,700
2,800
6,900
13,525,500
12,135,300
12,600
12,267,000
1,955,200
1,369,000
1,945,300
3,016,200
3,016,2001,945,3001,369,0001,955,20012,267,00012,60012,135,30013,525,5006,9002,8001,7000000000000000000000000000000
   > Long-term Assets 
324,302
994,805
1,399,361
1,926,223
2,218,200
1,692,300
2,986,500
2,296,300
1,610,500
1,387,700
1,173,700
1,118,500
1,403,800
1,488,900
1,705,600
2,157,200
2,534,000
3,113,000
4,519,300
5,532,400
8,487,600
11,162,800
10,676,800
10,666,700
10,103,000
9,911,900
9,525,000
18,100
30,800
29,800
144,600
150,600
1,057,700
0
885,000
809,200
290,600
460,700
479,000
479,000460,700290,600809,200885,00001,057,700150,600144,60029,80030,80018,1009,525,0009,911,90010,103,00010,666,70010,676,80011,162,8008,487,6005,532,4004,519,3003,113,0002,534,0002,157,2001,705,6001,488,9001,403,8001,118,5001,173,7001,387,7001,610,5002,296,3002,986,5001,692,3002,218,2001,926,2231,399,361994,805324,302
       Property Plant Equipment 
1,086
1,979
6,071
11,560
28,800
34,800
34,600
26,400
24,400
23,100
22,300
21,600
21,800
3,600
3,600
3,200
3,400
4,200
3,400
3,000
20,200
21,900
18,500
13,500
10,400
11,400
10,700
9,600
22,900
22,100
39,200
46,200
56,800
56,800
57,300
66,100
70,400
71,400
74,700
74,70071,40070,40066,10057,30056,80056,80046,20039,20022,10022,9009,60010,70011,40010,40013,50018,50021,90020,2003,0003,4004,2003,4003,2003,6003,60021,80021,60022,30023,10024,40026,40034,60034,80028,80011,5606,0711,9791,086
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,600
1,600
1,600
1,600
1,600
1,600
1,600
98,400
98,100
162,200
162,200
164,400
164,400
164,400
164,400
162,800
162,800164,400164,400164,400164,400162,200162,20098,10098,4001,6001,6001,6001,6001,6001,6001,60000000000000000000000000
       Long Term Investments 
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
753,100
724,500
1,386,000
897,900
831,600
831,600
656,600
573,000
49,700
219,100
236,100
236,100219,10049,700573,000656,600831,600831,600897,9001,386,000724,500753,1000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-18,800
-14,000
0
600
600
400
8,000
7,600
7,700
7,500
6,900
6,300
6,100
7,000
6,300
7,100
7,100
6,700
5,700
6,100
5,800
5,400
5,4005,8006,1005,7006,7007,1007,1006,3007,0006,1006,3006,9007,5007,7007,6008,0004006006000-14,000-18,80000000000000000000
       Long-term Assets Other 
298,938
990,813
1,349,243
1,808,021
2,081,300
1,475,400
2,731,900
2,009,300
1,382,000
1,206,900
1,039,200
1,005,000
1,216,100
1,338,100
1,606,900
2,048,000
2,400,800
2,900,800
-172,000
5,478,100
20,600
11,108,300
10,632,100
1,287,500
1,168,900
583,600
0
-913,800
-753,100
-724,500
-1,386,000
-897,900
-831,600
0
-885,000
-6,200
-14,400
-460,700
-479,000
-479,000-460,700-14,400-6,200-885,0000-831,600-897,900-1,386,000-724,500-753,100-913,8000583,6001,168,9001,287,50010,632,10011,108,30020,6005,478,100-172,0002,900,8002,400,8002,048,0001,606,9001,338,1001,216,1001,005,0001,039,2001,206,9001,382,0002,009,3002,731,9001,475,4002,081,3001,808,0211,349,243990,813298,938
> Total Liabilities 
303,575
937,985
1,326,148
1,810,394
2,253,200
1,912,200
3,345,700
2,729,500
1,856,000
1,515,600
1,252,100
1,170,800
1,518,700
1,559,900
1,733,600
2,236,500
2,593,300
3,196,200
4,665,600
5,680,300
8,837,600
11,783,900
10,888,200
10,503,500
9,953,600
9,746,200
9,233,600
9,455,000
9,948,000
10,909,400
12,548,900
12,672,800
13,419,200
13,419,200
13,287,100
14,349,500
13,895,100
15,236,300
17,009,600
17,009,60015,236,30013,895,10014,349,50013,287,10013,419,20013,419,20012,672,80012,548,90010,909,4009,948,0009,455,0009,233,6009,746,2009,953,60010,503,50010,888,20011,783,9008,837,6005,680,3004,665,6003,196,2002,593,3002,236,5001,733,6001,559,9001,518,7001,170,8001,252,1001,515,6001,856,0002,729,5003,345,7001,912,2002,253,2001,810,3941,326,148937,985303,575
   > Total Current Liabilities 
53,575
370,415
939,224
1,263,213
1,211,000
948,100
183,300
69,300
19,300
114,000
32,000
27,900
32,800
27,000
30,500
37,600
43,700
128,000
66,400
83,400
208,300
396,500
86,900
32,000
49,800
50,800
52,000
0
113,200
764,900
2,058,900
3,681,000
0
5,468,500
53,200
45,100
33,100
55,900
188,200
188,20055,90033,10045,10053,2005,468,50003,681,0002,058,900764,900113,200052,00050,80049,80032,00086,900396,500208,30083,40066,400128,00043,70037,60030,50027,00032,80027,90032,000114,00019,30069,300183,300948,1001,211,0001,263,213939,224370,41553,575
       Short-term Debt 
0
0
0
0
34,900
9,100
100
1,100
1,100
1,000
1,000
0
0
0
50,200
125,500
117,300
144,800
230,500
288,700
0
0
0
0
0
0
0
0
9,808,300
10,112,300
110,000
8,934,300
0
80,000
50,000
761,900
396,800
172,600
52,800
52,800172,600396,800761,90050,00080,00008,934,300110,00010,112,3009,808,30000000000288,700230,500144,800117,300125,50050,2000001,0001,0001,1001,1001009,10034,9000000
       Short Long Term Debt 
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
9,808,300
10,112,300
110,000
8,934,300
0
80,000
50,000
0
0
0
0
000050,00080,00008,934,300110,00010,112,3009,808,3000000000000000000000000000000
       Accounts payable 
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
60,100
708,700
36,400
34,300
42,600
5,295,100
53,200
45,100
33,100
55,900
188,200
188,20055,90033,10045,10053,2005,295,10042,60034,30036,400708,70060,1000000000000000000000000000000
       Other Current Liabilities 
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
12,000
12,600
21,800
19,000
0
32,600
-53,200
-764,900
-400,100
-176,300
-58,700
-58,700-176,300-400,100-764,900-53,20032,600019,00021,80012,60012,0000000000000000000000000000000
   > Long-term Liabilities 
250,000
567,570
386,924
547,181
1,042,200
964,100
3,162,400
2,660,200
1,836,700
1,401,600
1,220,100
1,142,900
1,485,900
1,532,900
1,703,100
2,198,900
2,549,600
3,068,200
4,599,200
5,596,900
8,629,300
11,387,400
10,801,300
10,471,500
9,903,800
9,695,400
9,181,600
0
0
0
0
0
6,936,800
0
5,654,000
4,375,300
1,632,400
55,900
295,300
295,30055,9001,632,4004,375,3005,654,00006,936,800000009,181,6009,695,4009,903,80010,471,50010,801,30011,387,4008,629,3005,596,9004,599,2003,068,2002,549,6002,198,9001,703,1001,532,9001,485,9001,142,9001,220,1001,401,6001,836,7002,660,2003,162,400964,1001,042,200547,181386,924567,570250,000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
36,700
41,500
46,400
49,100
67,200
81,000
247,800
549,500
116,500
90,000
67,500
59,600
55,700
44,300
53,300
32,900
82,800
58,100
0
61,100
73,300
47,000
32,400
60,700
0
060,70032,40047,00073,30061,100058,10082,80032,90053,30044,30055,70059,60067,50090,000116,500549,500247,80081,00067,20049,10046,40041,50036,70000000000000000
> Total Stockholder Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
137,700
166,100
200,800
234,900
268,400
308,000
279,000
313,300
621,500
650,800
692,300
742,000
803,500
873,300
947,100
969,500
969,500
1,009,400
1,095,900
1,095,900
1,108,400
1,156,000
1,241,900
1,417,300
1,410,600
1,410,6001,417,3001,241,9001,156,0001,108,4001,095,9001,095,9001,009,400969,500969,500947,100873,300803,500742,000692,300650,800621,500313,300279,000308,000268,400234,900200,800166,100137,70000000000000000
   Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,600
11,700
11,800
11,900
12,000
12,000
12,100
12,100
299,100
299,100
299,400
299,700
301,800
306,200
307,300
309,300
295,900
281,500
281,600
281,600
261,600
261,800
262,500
241,400
228,700
228,700241,400262,500261,800261,600281,600281,600281,500295,900309,300307,300306,200301,800299,700299,400299,100299,10012,10012,10012,00012,00011,90011,80011,70011,60000000000000000
   Retained Earnings Total Equity000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
-6,700
-7,300
-8,800
-6,200
-7,000
-7,500
-7,900
-8,500
-9,600
0
-15,900
-17,800
-19,600
-19,700
-21,900
-20,000
-20,700
-21,100
-7,000
-8,500
-12,500
-17,500
-23,100
0
-28,800
52,800
50,300
71,800
12,900
12,90071,80050,30052,800-28,8000-23,100-17,500-12,500-8,500-7,000-21,100-20,700-20,000-21,900-19,700-19,600-17,800-15,9000-9,600-8,500-7,900-7,500-7,000-6,200-8,800-7,300-6,7000000000000
   Capital Surplus 000000000000000000000000000000000000000
   Treasury Stock00000-104,0000-83,100-62,500-100,000-48,200-47,600-48,500-48,400-53,200-56,700-56,300-56,800-47,700-23,000-12,300000000000000000000
   Other Stockholders Equity 
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
-69,600
-72,100
-54,400
-39,100
-53,300
-38,200
10,900
-39,300
-76,800
-47,100
-74,400
-74,400-47,100-76,800-39,30010,900-38,200-53,300-39,100-54,400-72,100-69,6000000000000000000000000000000



Balance Sheet

Currency in GBP. All numbers in thousands.




Cash Flow

Currency in GBP. All numbers in thousands.




Income Statement

Currency in GBP. All numbers in thousands.


Latest Income Statement (annual, 2023-09-30)

Gross Profit (+$)
totalRevenue409,500
Cost of Revenue-0
Gross Profit409,500409,500
 
Operating Income (+$)
Gross Profit409,500
Operating Expense-21,800
Operating Income199,900387,700
 
Operating Expense (+$)
Research Development0
Selling General Administrative51,800
Selling And Marketing Expenses0
Operating Expense21,80051,800
 
Net Interest Income (+$)
Interest Income1,010,600
Interest Expense-561,100
Other Finance Cost-600
Net Interest Income448,900
 
Pretax Income (+$)
Operating Income199,900
Net Interest Income448,900
Other Non-Operating Income Expenses0
Income Before Tax (EBT)199,9000
EBIT - interestExpense = -361,200
199,900
715,000
Interest Expense561,100
Earnings Before Interest and Taxes (EBIT)199,900761,000
Earnings Before Interest and Taxes (EBITDA)207,500
 
After tax Income (+$)
Income Before Tax199,900
Tax Provision-46,000
Net Income From Continuing Ops153,900153,900
Net Income153,900
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses21,800
Total Other Income/Expenses Net199,900-448,900
 

Technical Analysis of Paragon Banking Group PLC
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Paragon Banking Group PLC. The general trend of Paragon Banking Group PLC is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Paragon Banking Group PLC's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Paragon Banking Group PLC.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 693.50 < 703.77 < 704.74.

The bearish price targets are: 638.00 > 631.00 > 623.50.

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Paragon Banking Group PLC Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Paragon Banking Group PLC. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Paragon Banking Group PLC Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Paragon Banking Group PLC. The current macd is 3.98144779.

The long score for the Moving Average Convergence/Divergence (MACD) is 2/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 0/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Paragon Banking Group PLC price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Paragon Banking Group PLC. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Paragon Banking Group PLC price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Paragon Banking Group PLC Daily Moving Average Convergence/Divergence (MACD) ChartParagon Banking Group PLC Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Paragon Banking Group PLC. The current adx is 16.35.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Paragon Banking Group PLC shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Paragon Banking Group PLC Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Paragon Banking Group PLC. The current sar is 680.91.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Paragon Banking Group PLC Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Paragon Banking Group PLC. The current rsi is 56.13. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Paragon Banking Group PLC Daily Relative Strength Index (RSI) ChartParagon Banking Group PLC Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Paragon Banking Group PLC. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Paragon Banking Group PLC price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Paragon Banking Group PLC Daily Stochastic Oscillator ChartParagon Banking Group PLC Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Paragon Banking Group PLC. The current cci is 38.86.

Paragon Banking Group PLC Daily Commodity Channel Index (CCI) ChartParagon Banking Group PLC Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Paragon Banking Group PLC. The current cmo is 14.79.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Paragon Banking Group PLC Daily Chande Momentum Oscillator (CMO) ChartParagon Banking Group PLC Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Paragon Banking Group PLC. The current willr is -25.51020408.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Paragon Banking Group PLC is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Paragon Banking Group PLC Daily Williams %R ChartParagon Banking Group PLC Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Paragon Banking Group PLC.

Paragon Banking Group PLC Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Paragon Banking Group PLC. The current atr is 16.03.

Paragon Banking Group PLC Daily Average True Range (ATR) ChartParagon Banking Group PLC Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Paragon Banking Group PLC. The current obv is 29,791,708.

Paragon Banking Group PLC Daily On-Balance Volume (OBV) ChartParagon Banking Group PLC Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Paragon Banking Group PLC. The current mfi is 50.73.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Paragon Banking Group PLC Daily Money Flow Index (MFI) ChartParagon Banking Group PLC Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Paragon Banking Group PLC.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-11-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-01BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-04SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-05STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-06CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-07WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-08MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-13STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-19ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-04STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-17SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-23RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-24STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-25STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-26RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-31STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-01DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-06DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-09STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-19MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-21DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-25STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside

6.3. Candlestick Patterns

Paragon Banking Group PLC Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Paragon Banking Group PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.131
Ma 20Greater thanMa 50669.600
Ma 50Greater thanMa 100662.728
Ma 100Greater thanMa 200613.225
OpenGreater thanClose674.500
Total4/5 (80.0%)
Penke

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