How to buy Paragon Banking Group shares | 470p

Own Paragon Banking Group shares in just a few minutes. Share price changes are updated daily.

Fact checked

Paragon Banking Group PLC (PAG) is a leading mortgage finance business based in the UK. It opened the day at 468.2p after a previous close of 463.8p. During the day the price has varied from a low of 459p to a high of 470p. The latest price was 470p (25 minute delay). Paragon Banking Group is listed on the London Stock Exchange (LSE) and employs 1,400 staff. All prices are listed in pence sterling.

How to buy shares in Paragon Banking Group

  1. Choose a platform. If you're a beginner, our share-dealing table below can help you choose.
  2. Open your account. You'll need your ID, bank details and national insurance number.
  3. Confirm your payment details. You'll need to fund your account with a bank transfer, debit card or credit card.
  4. Search the platform for stock code: PAG in this case.
  5. Research Paragon Banking Group shares. The platform should provide the latest information available.
  6. Buy your Paragon Banking Group shares. It's that simple.
The whole process can take as little as 15 minutes.

How has Coronavirus impacted Paragon Banking Group's share price?

Since the stock market crash in March caused by coronavirus, Paragon Banking Group's share price has had significant negative movement.

Its last market close was 320p, which is 37.32% down on its pre-crash value of 510.5p and 47.47% up on the lowest point reached during the March crash when the shares fell as low as 217p.

If you had bought £1,000 worth of Paragon Banking Group shares at the start of February 2020, those shares would have been worth £503.21 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth £623.17.

Paragon Banking Group share price

Use our graph to track the performance of PAG stocks over time.

Paragon Banking Group shares at a glance

Information last updated 2020-12-18.
Open468.2p
High470p
Low459p
Close470p
Previous close463.8p
Change 6.2p
Change % 1.337%
Volume 800,514
Information last updated 2020-12-27.
52-week range217p - 544p
50-day moving average 432.1412p
200-day moving average 361.1056p
Wall St. target price540.57p
PE ratio 13.7584
Dividend yield 0.29p (5.84%)
Earnings per share (TTM) 35.6p
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Share dealing platform comparison

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Your first 100 trades are free with Fineco, T&Cs apply.
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
Degiro Share Dealing
£1.75 + 0.022% (max £5.00)
£1.75 + 0.022% (max £5.00)
Portfolio transfer fees (in & out)
Degiro is widely seen as one of the best low-cost share brokers, for people who are looking to trade regularly. Capital at risk.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Open an ISA, Trading Account or SIPP you will get £100 of free trades to buy or sell any investment (new customers only).
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Moneyfarm helps you meet your investment goals with fully-managed portfolios designed around you. Capital at risk.
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Legal & General stocks and shares ISA
Legal & General stocks and shares ISA
£100 or £20 a month
0.61%
N/A
Legal & General is a big financial services company which offers insurance, lifetime mortgage, pensions and stocks and shares ISAs. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
Penfold
Penfold
No minimum
4 portfolios
0.75-0.88%
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

Is it a good time to buy Paragon Banking Group stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Paragon Banking Group price performance over time

Historical closes compared with the last close of 470p

1 month (2020-12-23) -1.47%
3 months (2020-10-23) 42.77%
6 months (2020-07-23) 28.70%

Is Paragon Banking Group under- or over-valued?

Valuing Paragon Banking Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Paragon Banking Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Paragon Banking Group's P/E ratio

Paragon Banking Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 14x. In other words, Paragon Banking Group shares trade at around 14x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the FTSE 250 at the end of September 2019 (19.71). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Paragon Banking Group's PEG ratio

Paragon Banking Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.55. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Paragon Banking Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Paragon Banking Group financials

Revenue TTM £265.4 million
Operating margin TTM 45.22%
Gross profit TTM £122.4 million
Return on assets TTM 0.61%
Return on equity TTM 8.06%
Profit margin 34.4%
Book value 4.571p
Market capitalisation £1.3 billion

TTM: trailing 12 months

Paragon Banking Group share dividends

40%

Dividend payout ratio: 39.89% of net profits

Recently Paragon Banking Group has paid out, on average, around 39.89% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 5.84% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Paragon Banking Group shareholders could enjoy a 5.84% return on their shares, in the form of dividend payments. In Paragon Banking Group's case, that would currently equate to about 0.29p per share.

While Paragon Banking Group's payout ratio might seem fairly standard, it's worth remembering that Paragon Banking Group may be investing much of the rest of its net profits in future growth.

The latest dividend was paid out to all shareholders who bought their shares by 28 January 2021 (the "ex-dividend date").

Have Paragon Banking Group's shares ever split?

Paragon Banking Group's shares were split on a 1:10 basis on 29 January 2008. So if you had owned 10 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your Paragon Banking Group shares – just the quantity. However, indirectly, the new 900% higher share price could have impacted the market appetite for Paragon Banking Group shares which in turn could have impacted Paragon Banking Group's share price.

Paragon Banking Group share price volatility

Over the last 12 months, Paragon Banking Group's shares have ranged in value from as little as 217p up to 544p. A popular way to gauge a stock's volatility is its "beta".

PAG.LSE volatility(beta: 1.57)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (LSE average) beta is 1, while Paragon Banking Group's is 1.5705. This would suggest that Paragon Banking Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

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Paragon Banking Group overview

Paragon Banking Group PLC provides financial products and services in the United Kingdom. The company operates through three segments: Mortgages Lending, Commercial Lending, and Idem Capital. The Mortgages Lending segment offers buy-to-let first charge, and owner-occupied first and second charge mortgages on residential property. The Commercial Lending segment provides equipment and motor finance leasing, development finance, structured lending and other offerings to SME customers and professional services firms. The Idem Capital segment offers secured and unsecured consumer loans. 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.

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