Paragon Banking Group (STU:46P1) Moat Score: 0/10 (As of Jul. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

STU:46P1 Paragon Banking Group PLC STU:46P1
75 GF Score
Price €9.35
GF Value €10.57
! 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  (STU:46P1) 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

STU:46P1
75GF Score
Paragon Banking Group PLC STU:46P1
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Paragon Banking Group (STU:46P1) Overvalued in 2026?

Based on GuruFocus' analysis, Paragon Banking Group stock appears to be undervalued. The current stock price of €9.35 is trading 11.5% below its estimated GF Value™ of €10.57.

Key valuation signals for STU:46P1:

  • Moat Score: 0
  • GF Value™: €10.57 vs. price of €9.35 (11.5% below fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the STU:46P1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Paragon Banking Group Business Description

Other Exchanges PAGl:UKPAG: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.
75GF Score

Get the complete analysis for STU:46P1

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

€9.35
Price
€10.57
GF Value