Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Paragon Banking Group's average EPS without NRI Growth Rate was -6.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -11.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 14.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 10.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Paragon Banking Group was 60.30% per year. The lowest was -69.80% per year. And the median was 10.40% per year.
Paragon Banking Group (CHIX:PAGl) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Paragon Banking Group 3-Year EPS without NRI Growth Rate Related Terms
CHIX:PAGL vs RKT, FNMA, PFSI: 3-Year EPS without NRI Growth Rate Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's 3-Year EPS without NRI Growth Rate falls into.
Paragon Banking Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -11.30% mean?
Paragon Banking Group (CHIX:PAGL) has a 3-Year EPS without NRI Growth Rate of -11.30% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Paragon Banking Group and its competitors. According to the industry distribution chart, Paragon Banking Group ranks #1231 out of 1401 companies in the Banks industry, placing it in the top 87.9%.
Is Paragon Banking Group's 3-Year EPS without NRI Growth Rate too high?
Paragon Banking Group's current 3-Year EPS without NRI Growth Rate is -11.30%. Based on the distribution chart, Paragon Banking Group ranks #1231 out of 1401 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Paragon Banking Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paragon Banking Group's 3-Year EPS without NRI Growth Rate compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #1231 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This places Paragon Banking Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Paragon Banking Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current 3-Year EPS without NRI Growth Rate is -11.30%. 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 £8.59, compared to a current price of £7.89 — trading 8.1% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -11.30%. Paragon Banking Group's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current 3-Year EPS without NRI Growth Rate is -11.30% 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 £7.89 is trading 8.1% below its estimated GF Value™ of £8.59.
GuruFocus considers Paragon Banking Group to be Fairly Valued.
Key valuation signals for CHIX:PAGL:
3-Year EPS without NRI Growth Rate: -11.30%
GF Value™: £8.59 vs. price of £7.89 (8.1% below fair value)
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.
78GF Score
Get the complete analysis for CHIX:PAGL
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:PAGL has been successfully added to your 
