Paragon Banking Group PLC (PAG) — Financial Flexibility Index
Paragon Banking Group PLC (PAG) has a Financial Flexibility Index of -0.04x as of March 2025. Free cash flow of GBX-654.60 Million (operating CF GBX-655.20 Million minus capex GBX600.00K) represents 0% of total liabilities (GBX17.76 Billion). Check Paragon Banking Group PLC investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Paragon Banking Group PLC Financial Flexibility Index (1991–2024)
Historical Financial Flexibility Index trend for Paragon Banking Group PLC across 34 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Paragon Banking Group PLC.
Annual Financial Flexibility Index for Paragon Banking Group PLC (1991–2024)
Year-by-year free cash flow to debt coverage for Paragon Banking Group PLC. Explore PAG operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (GBX) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.12x | GBX2.22 Billion | GBX2.22 Billion | GBX17.85 Billion | ▼ -2.9% |
| 2023 | 0.13x | GBX2.17 Billion | GBX2.17 Billion | GBX17.01 Billion | ▲ +66.3% |
| 2022 | 0.08x | GBX1.17 Billion | GBX1.17 Billion | GBX15.24 Billion | ▲ +21.1% |
| 2021 | 0.06x | GBX882.40 Million | GBX878.10 Million | GBX13.90 Billion | ▼ -11.7% |
| 2020 | 0.07x | GBX1.03 Billion | GBX1.03 Billion | GBX14.35 Billion | ▲ +138.2% |
| 2019 | 0.03x | GBX401.00 Million | GBX397.90 Million | GBX13.29 Billion | ▼ -62.4% |
| 2018 | 0.08x | GBX1.08 Billion | GBX1.07 Billion | GBX13.42 Billion | ▼ -31.2% |
| 2017 | 0.12x | GBX1.48 Billion | GBX1.47 Billion | GBX12.67 Billion | ▲ +68.5% |
| 2016 | 0.07x | GBX868.10 Million | GBX865.20 Million | GBX12.55 Billion | ▲ +3244.5% |
| 2015 | 0.00x | GBX-24.00 Million | GBX-25.90 Million | GBX10.91 Billion | ▲ +91.0% |
| 2014 | -0.02x | GBX-243.70 Million | GBX-269.50 Million | GBX9.95 Billion | ▼ -664.4% |
| 2013 | 0.00x | GBX-30.30 Million | GBX-31.90 Million | GBX9.46 Billion | ▼ -124.7% |
| 2012 | 0.01x | GBX119.70 Million | GBX117.30 Million | GBX9.23 Billion | ▼ -49.3% |
| 2011 | 0.03x | GBX249.10 Million | GBX246.10 Million | GBX9.75 Billion | ▼ -46.1% |
| 2010 | 0.05x | GBX471.80 Million | GBX470.50 Million | GBX9.95 Billion | ▼ -32.6% |
| 2009 | 0.07x | GBX739.10 Million | GBX738.80 Million | GBX10.50 Billion | ▼ -25.0% |
| 2008 | 0.09x | GBX1.02 Billion | GBX1.02 Billion | GBX10.89 Billion | ▲ +144.2% |
| 2007 | -0.21x | GBX-2.50 Billion | GBX-2.51 Billion | GBX11.78 Billion | ▼ -3.3% |
| 2006 | -0.21x | GBX-1.82 Billion | GBX-1.82 Billion | GBX8.84 Billion | ▼ -258.6% |
| 2005 | 0.13x | GBX736.80 Million | GBX120.10 Million | GBX5.68 Billion | ▲ +465.1% |
| 2004 | 0.02x | GBX107.10 Million | GBX106.10 Million | GBX4.67 Billion | ▼ -17.1% |
| 2003 | 0.03x | GBX88.50 Million | GBX87.20 Million | GBX3.20 Billion | ▼ -12.0% |
| 2002 | 0.03x | GBX81.60 Million | GBX80.00 Million | GBX2.59 Billion | ▼ -1.0% |
| 2001 | 0.03x | GBX71.10 Million | GBX70.10 Million | GBX2.24 Billion | ▲ +1.7% |
| 2000 | 0.03x | GBX54.20 Million | GBX52.50 Million | GBX1.73 Billion | ▲ +64.2% |
| 1999 | 0.02x | GBX29.70 Million | GBX28.10 Million | GBX1.56 Billion | ▲ +16.6% |
| 1998 | 0.02x | GBX24.80 Million | GBX23.50 Million | GBX1.52 Billion | ▼ -34.5% |
| 1997 | 0.02x | GBX29.20 Million | GBX26.70 Million | GBX1.17 Billion | ▲ +8.8% |
| 1996 | 0.02x | GBX28.70 Million | GBX28.20 Million | GBX1.25 Billion | ▲ +17.8% |
| 1995 | 0.02x | GBX29.50 Million | GBX28.70 Million | GBX1.52 Billion | ▼ -39.0% |
| 1994 | 0.03x | GBX59.20 Million | GBX58.40 Million | GBX1.86 Billion | ▲ +476.6% |
| 1993 | 0.01x | GBX15.10 Million | GBX13.60 Million | GBX2.73 Billion | ▼ -48.3% |
| 1992 | 0.01x | GBX35.80 Million | GBX32.00 Million | GBX3.35 Billion | ▲ +138.8% |
| 1991 | -0.03x | GBX-52.80 Million | GBX-58.10 Million | GBX1.91 Billion | — |