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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Paragon Banking Group's Enterprise Value is £519.9 Mil.
Paragon Banking Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was £-800.3 Mil. Therefore, Paragon Banking Group's EV-to-OCF for today is -0.65.
The historical rank and industry rank for Paragon Banking Group's EV-to-OCF or its related term are showing as below:
CHIX:PAGl'
s EV-to-OCF Range Over the Past 10 Years
Min: -388.33 Med: 2.6 Max: 14.74
Current: -0.65
During the past 13 years, the highest EV-to-OCF of Paragon Banking Group was 14.74. The lowest was -388.33. And the median was 2.60.
CHIX:PAGl's EV-to-OCF is ranked better than 73.18% of 1499
companies
in the Banks industry
Industry Median: 4.08
vs CHIX:PAGl: -0.65
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Paragon Banking Group (CHIX:PAGl) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Paragon Banking Group's PE Ratio (TTM) for today is calculated as:
Paragon Banking Group's share price for today is £8.265.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Paragon Banking Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was £0.900.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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: EV-to-OCF Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's EV-to-OCF falls into.
Paragon Banking Group's current Enterprise Value is £519.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Paragon Banking Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was £-800.3 Mil.
* 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 EV-to-OCF of -0.65 as of Aug. 10, 2026. According to the industry distribution chart, Paragon Banking Group ranks #402 out of 1499 companies in the Banks industry, placing it in the top 26.8%.
Is Paragon Banking Group's EV-to-OCF too high?
Paragon Banking Group's current EV-to-OCF is -0.65. Based on the distribution chart, Paragon Banking Group ranks #402 out of 1499 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 EV-to-OCF compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #402 out of 1499 companies for EV-to-OCF. This puts Paragon Banking Group in the upper half of its industry. The industry median EV-to-OCF is 4.08. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.08, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current EV-to-OCF is -0.65. 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 £8.99, compared to a current price of £8.27 — trading 8.1% below its estimated fair value. The current EV-to-OCF is -0.65. Paragon Banking Group's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current EV-to-OCF is -0.65 as of Aug. 10, 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 £8.27 is trading 8.1% below its estimated GF Value™ of £8.99.
GuruFocus considers Paragon Banking Group to be Fairly Valued.
Key valuation signals for CHIX:PAGL:
EV-to-OCF: -0.65
GF Value™: £8.99 vs. price of £8.27 (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.
79GF Score
Get the complete analysis for CHIX:PAGL
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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