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Paragon Finance Ltd Stock Analysis

Small Cap
Evaluated by 94 users | BSE: 531255 | NSE: |
Finance - NBFC
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...

Analysis of Financial Track Record

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.
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)4.15.85.25.14.93.13.73.944.4
Y-o-Y Gr. Rt.-41%-9.5%-2.5%-3.7%-36.1%18.5%4.6%2.3%9.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
1.351.572.161.481.521.134.164.882.613.71
Y-o-Y Gr. Rt.-16.3%37.6%-31.5%2.7%-25.7%268.1%17.3%-46.5%42.2%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
35.336.8739.0340.542.0343.1647.3252.256.9458.22
Y-o-Y Gr. Rt.-4.5%5.9%3.8%3.8%2.7%9.6%10.3%9.1%2.3%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)1.81.712.271.631.91.625.957.284.255.85
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Paragon Finance Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income0.7%-2.3%5.5%9.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
11.9%19.5%-3.7%42.2%
Book Value per Share
5.7%6.7%7.2%2.3%
Share Price 2.5% 20.7% -4.7% 86.6%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 13.9611.5617.5212.3113.2115.3647.4853.3127.8936.07
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 3.884.355.683.713.692.669.199.84.786.44
Entity Percentage Holding
Promoters 66.78%
Non-Institutions 33.22%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Paragon Finance Ltd's performance infers:

Paragon Finance Ltd earnings have grown by 19.5%, whereas share price has appreciated 20.7% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Paragon Finance Ltd share prices over the last 10 years. Here is what we found out:

Paragon Finance Ltd share price has appreciated 0.6% annually over the past ten years.

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

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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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