Paragon Banking GroupCHIX:PAGL +0.48%77 Net Margin % is 38.68% as of Mar. 2026, which is 10% below its 10-year median of 43.07. GuruFocus rates CHIX:PAGL with a GF Score™ of 77/100 and a GF Value™ of £8.99 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Paragon Banking Group ranks better than 72.56% on this metric.
The historical rank and industry rank for Paragon Banking Group's Net Margin % or its related term are showing as below:
CHIX:PAGl'
s Net Margin % Range Over the Past 10 Years
Min: 29.48 Med: 43.07 Max: 51.84
Current: 33.91
CHIX:PAGl's Net Margin % is ranked better than 72.56% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CHIX:PAGl: 33.91
Paragon Banking Group (CHIX:PAGl) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Paragon Banking Group Net Margin % Related Terms
Paragon Banking Group Net Margin % Historical Data
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The historical data trend for Paragon Banking Group's Net Margin % 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: Net Margin % Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's Net Margin % falls into.
* 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 Net Margin % of 38.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Paragon Banking Group and its competitors. This is 10% below median its historical median of 43.07. Over the past decade, Paragon Banking Group's Net Margin % has ranged from 29.48 to 51.84. According to the industry distribution chart, Paragon Banking Group ranks #419 out of 1527 companies in the Banks industry, placing it in the top 27.4%.
Is Paragon Banking Group's Net Margin % too high?
Paragon Banking Group's current Net Margin % of 38.68% is 10% below median its 10-year median of 43.07. Over the past 10 years, this metric has ranged from a low of 29.48 to a high of 51.84. The Banks industry median Net Margin % is 26.95. Paragon Banking Group's value of 38.68% is 43.5% above this industry median. Based on the distribution chart, Paragon Banking Group ranks #419 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #419 out of 1527 companies for Net Margin %. This puts Paragon Banking Group in the upper half of its industry. The industry median Net Margin % is 26.95. Paragon Banking Group's value of 38.68% is 43.5% above this benchmark. Historically, Paragon Banking Group's own Net Margin % has ranged from 29.48 to 51.84 over the past decade. While the company's 10-year median is 43.07 vs. the industry median of 26.95, Paragon Banking Group has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current Net Margin % of 38.68% is 43.5% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current Net Margin % is 38.68%, which is 10% below median its own 10-year median of 43.07. 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 £8.99, compared to a current price of £7.90 — trading 12.1% below its estimated fair value. The current Net Margin % is 38.68%, which is 10% below median its 10-year median of 43.07 and 43.5% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current Net Margin % is 38.68% 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 £7.90 is trading 12.1% below its estimated GF Value™ of £8.99.
GuruFocus considers Paragon Banking Group to be Modestly Undervalued.
Key valuation signals for CHIX:PAGL:
Net Margin %: 38.68% (10% below median its 10-year median of 43.07)
GF Value™: £8.99 vs. price of £7.90 (12.1% below fair value)
Industry Position: 43.5% above the Banks median (#419 of 1527)
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
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