Paragon Finance Ltd - Stock Valuation and Financial Performance

BSE: 531255 | NSE: | Finance - NBFC | Small Cap

Paragon Finance Share Price

55.66 -0.94 -1.66%
as on 11-Feb'25 16:59

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Paragon Finance stock performance -
55.66 10.0022.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
17.01
Market Cap:
23.7 Cr.
52-wk low:
40.7
52-wk high:
99.6

Is Paragon Finance Ltd an attractive stock to invest in?

1. Is Paragon Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Paragon Finance Ltd is a below average quality company.

2. Is Paragon Finance Ltd undervalued or overvalued?

The key valuation ratios of Paragon Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Paragon Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Paragon Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Paragon Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Paragon Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
4.93.13.73.944.43.12.71.73.54
YoY Gr. Rt. %
--36.1%18.5%4.6%2.3%9.8%-30.2%-12.8%-35.7%107%-
Adj EPS (₹ )
1.51.14.24.92.63.70.71.6-0.323.3
YoY Gr. Rt. %
--25.7%268.1%17.3%-46.5%42.2%-81.1%128.6%-119.4%NA-
BVPS (₹ )
4243.247.352.256.958.26163.662.87076.3
YoY Gr. Rt. %
-2.7%9.6%10.3%9.1%2.3%4.8%4.3%-1.4%11.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
1.91.667.34.35.91.12.4-0.52.90

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-3.6%-2.3%5.1%107%
Adj EPS3.2%-5%42.4%NA
BVPS5.8%4.2%4.7%11.6%
Share Price 10.8% 32% 40.1% 20.6%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
13.215.447.553.327.936.19.725.5-7.624.334
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
3.72.79.29.84.86.41.22.6-0.534.3

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.50%

Total Income has increased 5.09 CAGR in last 3 years

Net Profit has increased 42.37 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

No data to display

Latest Financials - Paragon Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 3.3 1.6
TTM Sales (₹ Cr.) 4.1 3.6
BVPS (₹.) 76.3 0
Reserves (₹ Cr.) 28 13
P/BV 0.73 0.00
PE 17.01 34.58
From the Market
52 Week Low / High (₹) 40.66 / 99.60
All Time Low / High (₹) 1.00 / 99.60
Market Cap (₹ Cr.) 23.7
Equity (₹ Cr.) 4.3
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income1.2 27.80.8 1691.1 7.81.1 79.7
Adj EPS (₹)-1.16 -136.71.06 N/A2.37 48.11.00 88.7
Net Profit Mgn %-42.58 -19164 bps57.79 39827 bps91.64 2497 bps40.15 191 bps

Management X-Ray of Paragon Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:70.45%Institutions:0%Non-Institutions:29.55%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Paragon Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Paragon Finance

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

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BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income5.793.915.925.224.054.463.113.052.123.63
Interest Income4.913.143.723.893.984.373.052.661.713.54
Other Income 0.880.772.191.330.070.080.060.390.410.09
Expenditure 4.943.323.592.632.252.472.752.172.212.59
Interest Expense 1.550.940.870.480.080.110.060.020.030.03
Operating Expenses 2.662.102.361.811.911.621.631.932.062.18
Provisions 0.730.270.360.330.260.751.060.220.130.38
Exceptional Items -0.01000000000
Profit Before Tax 0.840.592.332.591.801.980.360.89-0.101.04
Taxes 0.200.110.560.520.690.410.060.210.030.18
Profit After Tax 0.650.481.772.071.111.580.300.68-0.130.86
Adjusted EPS (₹)1.51.14.24.92.63.70.71.6-0.32.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital17.8618.3420.1122.1824.2024.7525.9327.0426.6829.76
Share Capital 4.254.254.254.254.254.254.254.254.254.25
Reserves 13.6114.0915.8617.9319.9520.5021.6822.7922.4325.51
Minority Interest0000000000
Long Term Borrowings9.687.117.872.861.872.641.030.22-0.070.37
Current Liabilities 3.582.863.150.800.270.140.800.951.890.89
Trade Payables0000000000
Short term borrowings1.671.511.990.380.1200.690.711.510.71
Other Liabilities-1.67-1.51-1.99-0.38-0.120-0.69-0.71-1.51-0.71
Total Liabilities 31.1228.3231.1325.8426.3427.5327.7628.2228.5031.01

Assets

Non Current Asset 10.9711.0914.4012.735.624.314.6010.6219.8716.22
Loan Asset 0000000000
Other Non Current Asset 10.9711.0914.4012.735.624.314.6010.6219.8716.22
Current Asset 20.1517.2316.7313.1120.7223.2223.1617.598.6314.79
Current Investment0000000000
Other Current Asset20.1517.2316.7313.1120.7223.2223.1617.598.6314.79
Total Assets 31.1228.3231.1325.8426.3427.5327.7628.2228.5031.01

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 6.363.74-2.234.130.52-0.794.642.205.06-5.42
Cash Flow From Investing Activity -0.38-0.881.451.230.67-0.182.20-6.14-7.436.18
Cash Flow From Financing Activity -5.64-2.800.71-7.03-0.321.07-1.790.020.80-0.80
Net Cash Flow 0.350.06-0.08-1.680.870.105.05-3.92-1.57-0.05
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)2145341202
DPS (₹)0000000000
BVPS (₹)42434752575861646370

Performance Ratios

ROA (%)1.91.66.07.34.35.91.12.4-0.52.9
ROE (%)3.72.79.29.84.86.41.22.6-0.53.0
ROCE (%)7.55.511.411.67.67.91.63.4-0.33.7

Valuation Parameters

Price/Book(x)0.40.20.30.30.20.20.30.20.50.6

Paragon Finance Ltd Stock News

Paragon Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Paragon Finance on 11-Feb-2025 16:59 is ₹55.66.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of Paragon Finance stood at ₹23.66.
The latest P/E ratio of Paragon Finance as of 11-Feb-2025 16:59 is 17.01.
The latest P/B ratio of Paragon Finance as of 11-Feb-2025 16:59 is 0.73.
The 52-week high of Paragon Finance is ₹99.60 and the 52-week low is ₹40.66.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Paragon Finance is ₹4.09 ( Cr.) .

About Paragon Finance Ltd

Paragon Finance is a non-banking finance company registered with the Reserve Bank of India (RBI) as a non-deposit taking NBFC. A NBFC is a company, not a bank, which is engaged in financing activities. Paragon Finance is a fund-based NBFC. Its aim is wealth maximization. In order to achieve its aim, the company is planning to diversify its activities and to take up fee-based activities also within its ambit.

The company basically finances clients for purchase of heavy and light commercial vehicles. The company has not limited its activity to used vehicles; it has started financing new vehicles also. The company also leaks strategic and costumer share investment based on its keep understanding of the market by nominee and the found market research it conducts on a continued basis.    

Paragon has also moved into the active business of investing in real estate development. Some of the various estates held by the company along with its group companies are situated at Jangalpur, Alampur, Ulberia, Dasnagar, Jessore Road, Rajarhat and Lahoti. The company is also engaged in arbitraging buying commodities from the spot market and selling it in the future market ensuring profit the commodities gold and silver.

Presently the areas covered by the company are:

• Auto Loans   • Shares   • ICDs   • Real Estate   • Commodity Market

There are many rivals of the company. They include Power Finance, Reliance capital, India Bulls Finance, etc.

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