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BSE: 531255 | NSE: | Finance - NBFC | Small Cap
1. Is Paragon Finance Ltd a good quality company?
Data is not available for this 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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 5.2 | 5.1 | 4.9 | 3.1 | 3.7 | 3.9 | 4 | 4.4 | 3.1 | 2.7 | 2 | |
| YoY Gr. Rt. % | - | -2.5% | -3.7% | -36.1% | 18.5% | 4.6% | 2.3% | 9.8% | -30.2% | -12.8% | - | |
| Adj EPS (₹ ) | 2.2 | 1.5 | 1.5 | 1.1 | 4.2 | 4.9 | 2.6 | 3.7 | 0.7 | 1.6 | -0.4 | |
| YoY Gr. Rt. % | - | -31.5% | 2.7% | -25.7% | 268.1% | 17.3% | -46.5% | 42.2% | -81.1% | 128.6% | - | |
| BVPS (₹ ) | 39 | 40.5 | 42 | 43.2 | 47.3 | 52.2 | 56.9 | 58.2 | 61 | 63.6 | 62.2 | |
| YoY Gr. Rt. % | - | 3.8% | 3.8% | 2.7% | 9.6% | 10.3% | 9.1% | 2.3% | 4.8% | 4.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.3 | 1.6 | 1.9 | 1.6 | 6 | 7.3 | 4.3 | 5.9 | 1.1 | 2.4 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | -7.2% | -6.5% | -12.6% | -12.8% | ||||||||
| Adj EPS | -3.3% | -17.4% | -15.1% | 128.6% | ||||||||
| BVPS | 5.6% | 6.1% | 3.8% | 4.3% | ||||||||
| Share Price | 5.6% | 0.4% | 40.3% | 73.5% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | 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 (%) | 17.5 | 12.3 | 13.2 | 15.4 | 47.5 | 53.3 | 27.9 | 36.1 | 9.7 | 25.5 | -9.2 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 5.7 | 3.7 | 3.7 | 2.7 | 9.2 | 9.8 | 4.8 | 6.4 | 1.2 | 2.6 | -0.6 | |
No data to display
Return on Equity is Poor
Total Income has declined -43.44 CAGR in last 3 years
Net Profit has declined -15.05 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -0.4 | 1.6 |
| TTM Sales (₹ Cr.) | 1.7 | 3.6 |
| BVPS (₹.) ⓘ | 62.2 | 0 |
| Reserves (₹ Cr.) ⓘ | 22 | 13 |
| P/BV ⓘ | 0.47 | 0.00 |
| PE ⓘ | 0.00 | 18.33 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 14.85 / 29.50 |
| All Time Low / High (₹) | 1.00 / 37.95 |
| Market Cap (₹ Cr.) | 12.5 |
| Equity (₹ Cr.) | 4.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 28.9 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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.
