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Paragon Banking GroupCHIX:PAGL -0.25%79 5-Year Yield-on-Cost % is 15.85 as of Jul. 14, 2026, which is 39% above its 10-year median of 11.43. GuruFocus rates CHIX:PAGL with a GF Score™ of 79/100 and a GF Value™ of £8.98 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,257 Banks companies, Paragon Banking Group ranks better than 92.92% on this metric.
Paragon Banking Group's yield on cost for the quarter that ended in Mar. 2026 was 15.85.
The historical rank and industry rank for Paragon Banking Group's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:PAGl'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 6.87 Med: 11.43 Max: 22.61
Current: 15.85
During the past 13 years, Paragon Banking Group's highest Yield on Cost was 22.61. The lowest was 6.87. And the median was 11.43.
CHIX:PAGl's 5-Year Yield-on-Cost % is ranked better than 92.92% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs CHIX:PAGl: 15.85
Paragon Banking Group (CHIX:PAGl) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Paragon Banking Group 5-Year Yield-on-Cost % Related Terms
CHIX:PAGL vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, Paragon Banking Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Banking Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Paragon Banking Group's 5-Year Yield-on-Cost % falls into.
Paragon Banking Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Paragon Banking Group (CHIX:PAGL) has a 5-Year Yield-on-Cost % of 15.85 as of Jul. 14, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Paragon Banking Group and its competitors. This is 39% above median its historical median of 11.43. Over the past decade, Paragon Banking Group's 5-Year Yield-on-Cost % has ranged from 6.87 to 22.61. According to the industry distribution chart, Paragon Banking Group ranks #89 out of 1257 companies in the Banks industry, placing it in the top 7.1%.
Is Paragon Banking Group's 5-Year Yield-on-Cost % too high?
Paragon Banking Group's current 5-Year Yield-on-Cost % of 15.85 is 39% above median its 10-year median of 11.43. Over the past 10 years, this metric has ranged from a low of 6.87 to a high of 22.61. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Paragon Banking Group's value of 15.85 is 307.5% above this industry median. Based on the distribution chart, Paragon Banking Group ranks #89 out of 1257 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 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Banking Group's 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, Paragon Banking Group ranks #89 out of 1257 companies for 5-Year Yield-on-Cost %. This places Paragon Banking Group in the top 7% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Paragon Banking Group's value of 15.85 is 307.5% above this benchmark. Historically, Paragon Banking Group's own 5-Year Yield-on-Cost % has ranged from 6.87 to 22.61 over the past decade. While the company's 10-year median is 11.43 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,257 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Banking Group's current 5-Year Yield-on-Cost % of 15.85 is 307.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Paragon Banking Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Banking Group's current 5-Year Yield-on-Cost % is 15.85, which is 39% above median its own 10-year median of 11.43. 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 £7.95 — trading 11.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 15.85, which is 39% above median its 10-year median of 11.43 and 307.5% above the Banks industry median of 3.89. Paragon Banking Group's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Paragon Banking Group (CHIX:PAGL), the current 5-Year Yield-on-Cost % is 15.85 as of Jul. 14, 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 £7.95 is trading 11.5% below its estimated GF Value™ of £8.98.
GuruFocus considers Paragon Banking Group to be Modestly Undervalued.
Key valuation signals for CHIX:PAGL:
5-Year Yield-on-Cost %: 15.85 (39% above median its 10-year median of 11.43)
GF Value™: £8.98 vs. price of £7.95 (11.5% below fair value)
Industry Position: 307.5% above the Banks median (#89 of 1257)
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.
79GF Score
Get the complete analysis for CHIX:PAGL
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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