Paragon Banking GroupCHIX:PAGL -0.92%77 Pretax Margin % is 52.26% as of Mar. 2026, which is 3% below its 10-year median of 53.90. GuruFocus rates CHIX:PAGL with a GF Score™ of 77/100 and a GF Value™ of £9.06 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Paragon Banking Group ranks better than 79.11% on this metric.
The historical rank and industry rank for Paragon Banking Group's Pretax Margin % or its related term are showing as below:
CHIX:PAGl'
s Pretax Margin % Range Over the Past 10 Years
Min: 38.23 Med: 53.9 Max: 69.09
Current: 47.53
CHIX:PAGl's Pretax Margin % is ranked better than 79.11% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs CHIX:PAGl: 47.53
Paragon Banking Group (CHIX:PAGl) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Paragon Banking Group Pretax Margin % Related Terms
Paragon Banking Group Pretax Margin % Historical Data
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The historical data trend for Paragon Banking Group's Pretax 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: Pretax Margin % Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's Pretax 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 Pretax Margin % of 52.26% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Paragon Banking Group and its competitors. This is near median its historical median of 53.90. Over the past decade, Paragon Banking Group's Pretax Margin % has ranged from 38.23 to 69.09. According to the industry distribution chart, Paragon Banking Group ranks #319 out of 1527 companies in the Banks industry, placing it in the top 20.9%.
Is Paragon Banking Group's Pretax Margin % too high?
Paragon Banking Group's current Pretax Margin % of 52.26% is near median its 10-year median of 53.90. Over the past 10 years, this metric has ranged from a low of 38.23 to a high of 69.09. The Banks industry median Pretax Margin % is 34.88. Paragon Banking Group's value of 52.26% is 49.8% above this industry median. Based on the distribution chart, Paragon Banking Group ranks #319 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position 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 Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #319 out of 1527 companies for Pretax Margin %. This places Paragon Banking Group in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Paragon Banking Group's value of 52.26% is 49.8% above this benchmark. Historically, Paragon Banking Group's own Pretax Margin % has ranged from 38.23 to 69.09 over the past decade. While the company's 10-year median is 53.90 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current Pretax Margin % of 52.26% is 49.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current Pretax Margin % is 52.26%, which is near median its own 10-year median of 53.90. 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 Pretax Margin % is 52.26%, which is near median its 10-year median of 53.90 and 49.8% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current Pretax Margin % is 52.26% 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 £7.83 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:
Pretax Margin %: 52.26% (near median its 10-year median of 53.90)
GF Value™: £9.06 vs. price of £7.83 (13.6% below fair value)
Industry Position: 49.8% above the Banks median (#319 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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