{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "e04603af-da25-484f-9858-4088622b2d18",
    "symbol": "PAG",
    "name": "Paragon Banking Group PLC",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Mortgage Finance",
    "chart_url": "https://sharemaestro.com/terminal/e04603af-da25-484f-9858-4088622b2d18/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "e04603af-da25-484f-9858-4088622b2d18",
      "symbol": "PAG",
      "name": "Paragon Banking Group PLC",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Mortgage Finance",
      "chart_url": "https://sharemaestro.com/terminal/e04603af-da25-484f-9858-4088622b2d18/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "PAG.L",
    "market_cap": 1405359360.0,
    "market_cap_usd": 137667859824.0,
    "price": 759.5,
    "currency": "GBP",
    "dividend_yield": 0.0612,
    "dividend_years": 31,
    "dividend_growth_5y": 0.23502104,
    "dividend_cut_5y": false,
    "payout_ratio": 0.4878,
    "net_income": 180300000.0,
    "free_cash_flow": -381300000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.66671,
    "revenue_growth_5y": -0.04382815,
    "net_margin": 0.35101002,
    "roe": 0.12029,
    "pe_ratio": 8.438889,
    "price_vs_ma": -0.05940756,
    "return_3y": 0.46854009,
    "return_5y": 0.43937924,
    "max_drawdown": -0.34112251,
    "scores": {
      "dividend_reliability": 23.5,
      "dividend_sustainability": 8.5,
      "business_quality": 20.5,
      "valuation": 15.0,
      "trend": 10.0,
      "total": 77.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/",
      "chart": "https://sharemaestro.com/terminal/e04603af-da25-484f-9858-4088622b2d18/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 23.5,
    "dividend_sustainability": 8.5,
    "business_quality": 20.5,
    "valuation": 15.0,
    "trend": 10.0,
    "total": 77.5,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2026-02-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend increased 122.8%",
      "detail": "Payment changed from 13.6 to 30.3.",
      "amount": 30.300001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2026-02-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 30.3 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 30.300001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2025-07-03",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 27.2 to 13.6.",
      "amount": 13.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2025-07-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 13.6 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 13.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2025-02-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend increased 106.1%",
      "detail": "Payment changed from 13.2 to 27.2.",
      "amount": 27.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2025-02-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 27.2 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 27.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2024-07-04",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 26.4 to 13.2.",
      "amount": 13.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2024-07-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 13.2 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 13.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2024-02-01",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend increased 140.0%",
      "detail": "Payment changed from 11 to 26.4.",
      "amount": 26.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2024-02-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 26.4 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 26.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2023-07-06",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "Dividend decreased -42.7%",
      "detail": "Payment changed from 19.2 to 11.",
      "amount": 11.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2023-07-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 11 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 11.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2023-02-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 19.2 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 19.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2022-07-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 9.4 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 9.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2022-01-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 18.9 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 18.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2021-07-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 7.2 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 7.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2021-01-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 14.4 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 14.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    },
    {
      "event_date": "2020-01-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PAG",
      "exchange": "LSE",
      "headline": "PAG dividend payment 14.2 GBP",
      "detail": "Recorded dividend payment for Paragon Banking Group PLC.",
      "amount": 14.200001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e04603af-da25-484f-9858-4088622b2d18/"
    }
  ]
}