EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Paragon Banking Group's Enterprise Value is £455.0 Mil.
Paragon Banking Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was £-803.7 Mil. Therefore, Paragon Banking Group's EV-to-FCF for today is -0.57.
The historical rank and industry rank for Paragon Banking Group's EV-to-FCF or its related term are showing as below:
CHIX:PAGl'
s EV-to-FCF Range Over the Past 10 Years
Min: -361.79 Med: 2.61 Max: 14.85
Current: -0.57
During the past 13 years, the highest EV-to-FCF of Paragon Banking Group was 14.85. The lowest was -361.79. And the median was 2.61.
CHIX:PAGl's EV-to-FCF is ranked worse than 100% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs CHIX:PAGl: -0.57
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 £7.83.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's EV-to-FCF falls into.
Paragon Banking Group's current Enterprise Value is £455.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Paragon Banking Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was £-803.7 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-FCF of -0.57 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Paragon Banking Group and its competitors. According to the industry distribution chart, Paragon Banking Group ranks #999999 out of 1196 companies in the Banks industry.
Is Paragon Banking Group's EV-to-FCF too high?
Paragon Banking Group's current EV-to-FCF is -0.57. Based on the distribution chart, Paragon Banking Group ranks #999999 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Paragon Banking Group has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Banking Group's EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #999999 out of 1196 companies for EV-to-FCF. This places Paragon Banking Group in the lower half of its industry. The industry median EV-to-FCF is 6.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current EV-to-FCF is -0.57. 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 Modestly Undervalued. The stock's GF Value™ is £9.06, compared to a current price of £7.83 — trading 13.6% below its estimated fair value. The current EV-to-FCF is -0.57. Paragon Banking Group's overall GF Score™ is 77/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current EV-to-FCF is -0.57 as of Jun. 29, 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 £7.83 is trading 13.6% below its estimated GF Value™ of £9.06.
GuruFocus considers Paragon Banking Group to be Modestly Undervalued.
Key valuation signals for CHIX:PAGL:
EV-to-FCF: -0.57
GF Value™: £9.06 vs. price of £7.83 (13.6% 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.
77GF Score
Get the complete analysis for CHIX:PAGL
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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