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PAG

Paragon Banking Group PLC
Chart
£744.00
Latest Week 2026-06-05
Financial ServicesMortgage FinanceLARGE
Snapshot 2026-06-07 · 0.0w · Fresh
0.38
OS Score
71.0%
Value
11.0%
Quality
20.0%
Momentum
3/9
F-Score
0.279
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
0 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
71.0%ile
P/E
763.5×
P/S
260.3×
P/B
88.7×
E/P
0.0013
FCF Yield
-0.003
SH Yield
0.002
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
26.00000000
/100 — 1=cheapest
VC2 (Trending Value)
17.00000000
/100
VC3 (Buyback)
19.00000000
/100
P/E of 763.5x is premium-priced — the market is paying up for expected growth. Negative FCF yield (-0.3%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
11.0%ile
ROE
0.116
ROA
0.009
Net Margin
0.341
F-Score
3/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.098
Earn Growth
0.039
Accruals
0.028
lower=better
5yr Consist
No
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
20.0%ile
6M Return
-5.6%
12M Return
-16.4%
12-1 Mom
-16.1%
Risk-Adj
-0.64
Vol 252d
25.1%
Vol 60d
56.9%
↑ Expanding
Max DD 12M
-25.8%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -16% signals a downtrend — price is moving against you. Near-term vol (57%) is expanding vs long-term (25%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.38
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 186 peers
Sector Value %ile
69.0%
Sector Quality %ile
10.2%
P/E z-score
-0.49
P/B z-score
-0.09
Sector Avg OS
58.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
FSG Foresight Group Holdings Limited 98.0% 99.0% 99.0% 69.0%
VTAS Volta Finance Limited 98.0% 87.0% 80.0% 99.0%
STB Secure Trust Bank PLC 97.0% 90.0% 73.0% 92.0%
STAN Standard Chartered PLC 97.0% 91.0% 74.0% 90.0%
CRE Conduit Holdings Limited 97.0% 96.0% 84.0% 73.0%
BGEO Lion Finance Group PLC 97.0% 96.0% 68.0% 88.0%
DFCH Distribution Finance Capital Holdings plc 96.0% 92.0% 71.0% 86.0%
BARC Barclays PLC 96.0% 88.0% 78.0% 84.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (71th value) but weak quality (11th). Classic value trap risk.
Falling Knife
Weak momentum (20th) despite looking cheap (71th value). Wait for momentum to stabilise.
Volatility Expanding
60-day vol (57%) significantly exceeds 252-day (25%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
F
4.3% avg (6 factors)
Quality
C
46.6% avg (4 factors)
Momentum
F
16.6% avg (4 factors)
Risk
B
74.9% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.380—0—
Value %ile0.710—1—
Quality %ile0.110—1—
Momentum %ile0.200—1—
F-Score3.000—1—
Confidence0.697—0—
Volatility0.251—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
763.49
Earnings Yield (E/P)
0.0013
Price / Sales
260.32
Price / Book
88.67
FCF Yield
-0.3%
Sales Yield (1/P·S)
0.0039
Shareholder Yield
Div + net buyback / mktcap
0.2%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.6%
Return on Assets
0.9%
Net Margin
34.1%
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.028
External Financing
Net issuance — lower=better
0.007
MomentumPrice trend strength over different horizons
6M Return
-5.6%
12M Return
-16.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-16.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.64
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
3.9%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
3
Dividend Yield
0.1%
Buyback Yield
0.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
26
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
17
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
19
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity