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Paragon Banking Group (CHIX:PAGl) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Paragon Banking Group Equity-to-Asset Related Terms
Paragon Banking Group Equity-to-Asset Historical Data
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The historical data trend for Paragon Banking Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Paragon Banking Group's Equity to Asset Ratio for the fiscal year that ended in Sep. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Paragon Banking Group and its competitors. This is near median its historical median of 0.08. Over the past decade, Paragon Banking Group's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Paragon Banking Group ranks #1015 out of 1526 companies in the Banks industry, placing it in the top 66.5%.
Is Paragon Banking Group's Equity-to-Asset too high?
Paragon Banking Group's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Paragon Banking Group's value of 0.08 is 20% below this industry median. Based on the distribution chart, Paragon Banking Group ranks #1015 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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 Equity-to-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #1015 out of 1526 companies for Equity-to-Asset. This places Paragon Banking Group in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Paragon Banking Group's value of 0.08 is 20% below this benchmark. Historically, Paragon Banking Group's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. 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 £8.96, compared to a current price of £8.31 — trading 7.2% below its estimated fair value. The current Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current Equity-to-Asset is 0.08 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 £8.31 is trading 7.2% below its estimated GF Value™ of £8.96.
GuruFocus considers Paragon Banking Group to be Fairly Valued.
Key valuation signals for CHIX:PAGL:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: £8.96 vs. price of £8.31 (7.2% below fair value)
Industry Position: 20% below the Banks median (#1015 of 1526)
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
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