Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Paragon Banking Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 1.64%.
The industry rank for Paragon Banking Group's 3-Year RORE % or its related term are showing as below:
CHIX:PAGl's 3-Year RORE % is ranked worse than 69.65% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs CHIX:PAGl: 1.64
Paragon Banking Group (CHIX:PAGl) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Paragon Banking Group 3-Year RORE % Related Terms
Paragon Banking Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Paragon Banking Group's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Paragon Banking Group (CHIX:PAGL) has a 3-Year RORE % of 1.64 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Paragon Banking Group and its competitors. According to the industry distribution chart, Paragon Banking Group ranks #1026 out of 1473 companies in the Banks industry, placing it in the top 69.7%.
Is Paragon Banking Group's 3-Year RORE % too high?
Paragon Banking Group's current 3-Year RORE % is 1.64. The Banks industry median 3-Year RORE % is 9.87. Paragon Banking Group's value of 1.64 is 83.4% below this industry median. Based on the distribution chart, Paragon Banking Group ranks #1026 out of 1473 companies in the Banks industry, which is below the industry midpoint. Overall, Paragon Banking Group has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Banking Group's 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #1026 out of 1473 companies for 3-Year RORE %. This places Paragon Banking Group in the lower half of its industry. The industry median 3-Year RORE % is 9.87. Paragon Banking Group's value of 1.64 is 83.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current 3-Year RORE % of 1.64 is 83.4% below 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current 3-Year RORE % is 1.64. 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 £8.98, compared to a current price of £7.87 — trading 12.4% below its estimated fair value. The current 3-Year RORE % is 1.64 and 83.4% below the Banks industry median of 9.87. Paragon Banking Group's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current 3-Year RORE % is 1.64 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 £7.87 is trading 12.4% below its estimated GF Value™ of £8.98.
GuruFocus considers Paragon Banking Group to be Modestly Undervalued.
Key valuation signals for CHIX:PAGL:
3-Year RORE %: 1.64
GF Value™: £8.98 vs. price of £7.87 (12.4% below fair value)
Industry Position: 83.4% below the Banks median (#1026 of 1473)
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.
78GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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