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Paragon Banking GroupCHIX:PAGL +2.73%79 Debt-to-Equity is 0.42 as of Mar. 2026, which is 79% below its 10-year median of 1.98. GuruFocus rates CHIX:PAGL with a GF Score™ of 79/100 and a GF Value™ of £9.03 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Paragon Banking Group ranks better than 59.77% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Paragon Banking Group's Debt-to-Equity or its related term are showing as below:
CHIX:PAGl'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 1.98 Max: 10.83
Current: 0.42
During the past 13 years, the highest Debt-to-Equity Ratio of Paragon Banking Group was 10.83. The lowest was 0.11. And the median was 1.98.
CHIX:PAGl's Debt-to-Equity is ranked better than 59.77% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs CHIX:PAGl: 0.42
Paragon Banking Group (CHIX:PAGl) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Paragon Banking Group Debt-to-Equity Related Terms
Paragon Banking Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Paragon Banking Group's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:PAGL vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Paragon Banking Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Paragon Banking Group (CHIX:PAGL) has a Debt-to-Equity of 0.42 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Paragon Banking Group and its competitors. This is 79% below median its historical median of 1.98. Over the past decade, Paragon Banking Group's Debt-to-Equity has ranged from 0.11 to 10.83. According to the industry distribution chart, Paragon Banking Group ranks #572 out of 1422 companies in the Banks industry, placing it in the top 40.2%.
Is Paragon Banking Group's Debt-to-Equity too high?
Paragon Banking Group's current Debt-to-Equity of 0.42 is 79% below median its 10-year median of 1.98. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 10.83. The Banks industry median Debt-to-Equity is 0.57. Paragon Banking Group's value of 0.42 is 26.3% below this industry median. Based on the distribution chart, Paragon Banking Group ranks #572 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Paragon Banking Group has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paragon Banking Group's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #572 out of 1422 companies for Debt-to-Equity. This puts Paragon Banking Group in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Paragon Banking Group's value of 0.42 is 26.3% below this benchmark. Historically, Paragon Banking Group's own Debt-to-Equity has ranged from 0.11 to 10.83 over the past decade. While the company's 10-year median is 1.98 vs. the industry median of 0.57, Paragon Banking Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current Debt-to-Equity of 0.42 is 26.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current Debt-to-Equity is 0.42, which is 79% below median its own 10-year median of 1.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paragon Banking Group stock overvalued right now?
Based on GuruFocus' analysis, Paragon Banking Group (CHIX:PAGL) is currently considered Fairly Valued. The stock's GF Value™ is £9.03, compared to a current price of £8.48 — trading 6.1% below its estimated fair value. The current Debt-to-Equity is 0.42, which is 79% below median its 10-year median of 1.98 and 26.3% below the Banks industry median of 0.57. Paragon Banking Group's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current Debt-to-Equity is 0.42 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Paragon Banking Group (CHIX:PAGL) Overvalued in 2026?
Based on GuruFocus' analysis, Paragon Banking Group stock appears to be undervalued.
The current stock price of £8.48 is trading 6.1% below its estimated GF Value™ of £9.03.
GuruFocus considers Paragon Banking Group to be Fairly Valued.
Key valuation signals for CHIX:PAGL:
Debt-to-Equity: 0.42 (79% below median its 10-year median of 1.98)
GF Value™: £9.03 vs. price of £8.48 (6.1% below fair value)
Industry Position: 26.3% below the Banks median (#572 of 1422)
No single metric tells the full story. See the CHIX:PAGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paragon Banking Group PLC, is a specialty finance company that provides diversified banking services to clients. The company operates two core businesses: Mortgage Lending and Commercial Lending. The Mortgage Lending includes the Group's buy-to-let and owner-occupied first and second charge lending and related activities. Commercial Lending, includes the Group's equipment and motor finance leasing activities, together with development finance, structured lending, and other offerings targeted towards SME customers.
79GF Score
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