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BSE: 531255 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Paragon Finance Ltd is a below average quality company.
The key valuation ratios of Paragon Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 5.1 | 4.9 | 3.1 | 3.7 | 3.9 | 4 | 4.4 | 3.1 | 2.7 | 1.7 | 3 | |
| YoY Gr. Rt. % | - | -3.7% | -36.1% | 18.5% | 4.6% | 2.3% | 9.8% | -30.2% | -12.8% | -35.7% | - | |
| Adj EPS (₹ ) | 1.5 | 1.5 | 1.1 | 4.2 | 4.9 | 2.6 | 3.7 | 0.7 | 1.6 | -0.3 | -1.4 | |
| YoY Gr. Rt. % | - | 2.7% | -25.7% | 268.1% | 17.3% | -46.5% | 42.2% | -81.1% | 128.6% | -119.4% | - | |
| BVPS (₹ ) | 40.5 | 42 | 43.2 | 47.3 | 52.2 | 56.9 | 58.2 | 61 | 63.6 | 62.8 | 67.3 | |
| YoY Gr. Rt. % | - | 3.8% | 2.7% | 9.6% | 10.3% | 9.1% | 2.3% | 4.8% | 4.3% | -1.4% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.6 | 1.9 | 1.6 | 6 | 7.3 | 4.3 | 5.9 | 1.1 | 2.4 | -0.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -11.4% | -15.2% | -26.9% | -35.7% | ||||||||
| Adj EPS | -184.1% | -157.6% | -143.7% | -119.4% | ||||||||
| BVPS | 5% | 3.8% | 2.5% | -1.4% | ||||||||
| Share Price | 17.9% | 33.8% | 45.2% | 75.4% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 12.3 | 13.2 | 15.4 | 47.5 | 53.3 | 27.9 | 36.1 | 9.7 | 25.5 | -7.6 | -19.2 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 3.7 | 3.7 | 2.7 | 9.2 | 9.8 | 4.8 | 6.4 | 1.2 | 2.6 | -0.5 | -2.1 | |
Total income growth is good in last 4 quarters
Return on Equity is Poor
Total Income has declined 31.98 CAGR in last 3 years
Net Profit has declined -143.72 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -1.4 | 1.6 |
| TTM Sales (₹ Cr.) | 3.1 | 3.6 |
| BVPS (₹.) ⓘ | 67.3 | 0 |
| Reserves (₹ Cr.) ⓘ | 24 | 13 |
| P/BV ⓘ | 0.81 | 0.00 |
| PE ⓘ | 0.00 | 33.73 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 28.50 / 80.76 |
| All Time Low / High (₹) | 1.00 / 80.76 |
| Market Cap (₹ Cr.) | 23.1 |
| Equity (₹ Cr.) | 4.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 31.7 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 5.46 | 5.79 | 3.91 | 5.92 | 5.22 | 4.05 | 4.46 | 3.11 | 3.05 | 2.12 |
| Interest Income | 5.10 | 4.91 | 3.14 | 3.72 | 3.89 | 3.98 | 4.37 | 3.05 | 2.66 | 1.71 |
| Other Income ⓘ | 0.37 | 0.88 | 0.77 | 2.19 | 1.33 | 0.07 | 0.08 | 0.06 | 0.39 | 0.41 |
| Expenditure ⓘ | 4.61 | 4.94 | 3.32 | 3.59 | 2.63 | 2.25 | 2.47 | 2.75 | 2.17 | 2.21 |
| Interest Expense ⓘ | 1.80 | 1.55 | 0.94 | 0.87 | 0.48 | 0.08 | 0.11 | 0.06 | 0.02 | 0.03 |
| Operating Expenses ⓘ | 2.30 | 2.66 | 2.10 | 2.36 | 1.81 | 1.91 | 1.62 | 1.63 | 1.93 | 2.06 |
| Provisions | 0.51 | 0.73 | 0.27 | 0.36 | 0.33 | 0.26 | 0.75 | 1.06 | 0.22 | 0.13 |
| Exceptional Items ⓘ | 0 | -0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0.85 | 0.84 | 0.59 | 2.33 | 2.59 | 1.80 | 1.98 | 0.36 | 0.89 | -0.10 |
| Taxes ⓘ | 0.22 | 0.20 | 0.11 | 0.56 | 0.52 | 0.69 | 0.41 | 0.06 | 0.21 | 0.03 |
| Profit After Tax | 0.63 | 0.65 | 0.48 | 1.77 | 2.07 | 1.11 | 1.58 | 0.30 | 0.68 | -0.13 |
| Adjusted EPS (₹) | 1.5 | 1.5 | 1.1 | 4.2 | 4.9 | 2.6 | 3.7 | 0.7 | 1.6 | -0.3 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 17.21 | 17.86 | 18.34 | 20.11 | 22.18 | 24.20 | 24.75 | 25.93 | 27.04 | 26.68 |
| Share Capital ⓘ | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 |
| Reserves ⓘ | 12.96 | 13.61 | 14.09 | 15.86 | 17.93 | 19.95 | 20.50 | 21.68 | 22.79 | 22.43 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 16.95 | 9.68 | 7.11 | 7.87 | 2.86 | 1.87 | 2.64 | 1.03 | 0.22 | -0.07 |
| Current Liabilities | 2.87 | 3.58 | 2.86 | 3.15 | 0.80 | 0.27 | 0.14 | 0.80 | 0.95 | 1.89 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 0.54 | 1.67 | 1.51 | 1.99 | 0.38 | 0.12 | 0 | 0.69 | 0.71 | 1.51 |
| Other Liabilities | -0.54 | -1.67 | -1.51 | -1.99 | -0.38 | -0.12 | 0 | -0.69 | -0.71 | -1.51 |
| Total Liabilities ⓘ | 37.04 | 31.12 | 28.32 | 31.13 | 25.84 | 26.34 | 27.53 | 27.76 | 28.22 | 28.50 |
Assets | ||||||||||
| Non Current Asset | 15.53 | 10.97 | 11.09 | 14.40 | 12.73 | 5.62 | 4.31 | 4.60 | 10.62 | 19.87 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 15.53 | 10.97 | 11.09 | 14.40 | 12.73 | 5.62 | 4.31 | 4.60 | 10.62 | 19.87 |
| Current Asset | 21.51 | 20.15 | 17.23 | 16.73 | 13.11 | 20.72 | 23.22 | 23.16 | 17.59 | 8.63 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 21.51 | 20.15 | 17.23 | 16.73 | 13.11 | 20.72 | 23.22 | 23.16 | 17.59 | 8.63 |
| Total Assets ⓘ | 37.04 | 31.12 | 28.32 | 31.13 | 25.84 | 26.34 | 27.53 | 27.76 | 28.22 | 28.50 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 3.15 | 6.36 | 3.74 | -2.23 | 4.13 | 0.52 | -0.79 | 4.64 | 2.20 | 5.06 |
| Cash Flow From Investing Activity ⓘ | -0.29 | -0.38 | -0.88 | 1.45 | 1.23 | 0.67 | -0.18 | 2.20 | -6.14 | -7.43 |
| Cash Flow From Financing Activity ⓘ | -1.88 | -5.64 | -2.80 | 0.71 | -7.03 | -0.32 | 1.07 | -1.79 | 0.02 | 0.80 |
| Net Cash Flow ⓘ | 0.99 | 0.35 | 0.06 | -0.08 | -1.68 | 0.87 | 0.10 | 5.05 | -3.92 | -1.57 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 1 | 2 | 1 | 4 | 5 | 3 | 4 | 1 | 2 | 0 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 41 | 42 | 43 | 47 | 52 | 57 | 58 | 61 | 64 | 63 |
Performance Ratios | ||||||||||
| ROA (%) | 1.6 | 1.9 | 1.6 | 6.0 | 7.3 | 4.3 | 5.9 | 1.1 | 2.4 | -0.5 |
| ROE (%) | 3.7 | 3.7 | 2.7 | 9.2 | 9.8 | 4.8 | 6.4 | 1.2 | 2.6 | -0.5 |
| ROCE (%) | 7.5 | 7.5 | 5.5 | 11.4 | 11.6 | 7.6 | 7.9 | 1.6 | 3.4 | -0.3 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.2 | 0.4 | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.2 | 0.5 |
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.
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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