Paragon Banking Group (CHIX:PAGL) Moat Score: 0/10 (As of Jun. 30, 2026)


CHIX:PAGL Paragon Banking Group PLC CHIX:PAGL
77 GF Score
Price £7.69
GF Value £9.06
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Paragon Banking Group Moat Score?

Paragon Banking Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Paragon Banking Group has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Paragon Banking Group might have No Moat - No discernible moat.

Paragon Banking Group  (CHIX:PAGl) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Paragon Banking Group Moat Score Related Terms

CHIX:PAGL
77GF Score
Paragon Banking Group PLC CHIX:PAGL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 £7.69 is trading 15.2% below its estimated GF Value™ of £9.06. GuruFocus considers Paragon Banking Group to be Modestly Undervalued.

Key valuation signals for CHIX:PAGL:

  • Moat Score: 0
  • GF Value™: £9.06 vs. price of £7.69 (15.2% below fair value)
  • GF Score™: 77/100 with 2 warning signs

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 Business Description

Other Exchanges PAG:UK46P1:Germany
Address 51 Homer Road, Solihull, West Midlands, GBR, B91 3QJ
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£7.69
Price
£9.06
GF Value