Paragon Banking Group PLC (PAG) — Cash Flow Quality Index
Paragon Banking Group PLC (PAG) has a Cash Flow Quality Index of -6.50x as of March 2025. Operating cash flow of GBX-655.20 Million is below net income of GBX100.80 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore PAG operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Paragon Banking Group PLC Cash Flow Quality Index (1994–2024)
Historical Cash Flow Quality Index for Paragon Banking Group PLC across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see PAG operating cash flow.
Annual Cash Flow Quality Index for Paragon Banking Group PLC (1994–2024)
Year-by-year earnings quality comparison for Paragon Banking Group PLC.
| Year | Quality Index | Operating CF (GBX) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 8.73x | GBX2.22 Billion | GBX253.80 Million | ▼ -19.6% |
| 2023 | 10.86x | GBX2.17 Billion | GBX199.90 Million | ▲ +288.5% |
| 2022 | 2.80x | GBX1.17 Billion | GBX417.90 Million | ▼ -31.9% |
| 2021 | 4.11x | GBX878.10 Million | GBX213.70 Million | ▼ -52.7% |
| 2020 | 8.69x | GBX1.03 Billion | GBX118.40 Million | ▲ +247.2% |
| 2019 | 2.50x | GBX397.90 Million | GBX159.00 Million | ▼ -57.7% |
| 2018 | 5.92x | GBX1.07 Billion | GBX181.50 Million | ▼ -41.9% |
| 2017 | 10.18x | GBX1.47 Billion | GBX144.80 Million | ▲ +68.6% |
| 2016 | 6.04x | GBX865.20 Million | GBX143.20 Million | ▲ +3230.6% |
| 2015 | -0.19x | GBX-25.90 Million | GBX134.20 Million | ▲ +91.2% |
| 2014 | -2.19x | GBX-269.50 Million | GBX122.80 Million | ▼ -625.1% |
| 2013 | -0.30x | GBX-31.90 Million | GBX105.40 Million | ▼ -124.6% |
| 2012 | 1.23x | GBX117.30 Million | GBX95.50 Million | ▼ -59.7% |
| 2011 | 3.05x | GBX246.10 Million | GBX80.80 Million | ▼ -53.5% |
| 2010 | 6.55x | GBX470.50 Million | GBX71.80 Million | ▼ -51.8% |
| 2009 | 13.61x | GBX738.80 Million | GBX54.30 Million | ▼ -28.4% |
| 2008 | 18.99x | GBX1.02 Billion | GBX53.70 Million | ▲ +168.8% |
| 2007 | -27.60x | GBX-2.51 Billion | GBX91.00 Million | ▼ -25.3% |
| 2006 | -22.03x | GBX-1.82 Billion | GBX82.80 Million | ▼ -1508.7% |
| 2005 | 1.56x | GBX120.10 Million | GBX76.80 Million | ▲ +4.6% |
| 2004 | 1.49x | GBX106.10 Million | GBX71.00 Million | ▼ -11.1% |
| 2003 | 1.68x | GBX87.20 Million | GBX51.90 Million | ▼ -3.4% |
| 2002 | 1.74x | GBX80.00 Million | GBX46.00 Million | ▲ +2.0% |
| 2001 | 1.71x | GBX70.10 Million | GBX41.10 Million | ▲ +15.3% |
| 2000 | 1.48x | GBX52.50 Million | GBX35.50 Million | ▲ +64.7% |
| 1999 | 0.90x | GBX28.10 Million | GBX31.30 Million | ▼ -4.1% |
| 1998 | 0.94x | GBX23.50 Million | GBX25.10 Million | ▼ -24.3% |
| 1997 | 1.24x | GBX26.70 Million | GBX21.60 Million | ▼ -20.7% |
| 1996 | 1.56x | GBX28.20 Million | GBX18.10 Million | ▼ -18.0% |
| 1995 | 1.90x | GBX28.70 Million | GBX15.10 Million | ▼ -62.9% |
| 1994 | 5.12x | GBX58.40 Million | GBX11.40 Million | — |