Paragon Finance Ltd
₹ 53.0
0.38%
10 Apr
4:01 p.m.
About
Incorporated in 1986, Paragon Finance Ltd is in the business of providing loans and making investments in shares and securities[1]
Key Points
- Market Cap ₹ 22.5 Cr.
- Current Price ₹ 53.0
- High / Low ₹ 70.0 / 38.2
- Stock P/E 7.66
- Book Value ₹ 76.5
- Dividend Yield 0.00 %
- ROCE 1.76 %
- ROE 1.03 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.69 times its book value
- Promoter holding has increased by 1.45% over last quarter.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -12.8% over past five years.
- Company has a low return on equity of 1.20% over last 3 years.
- Earnings include an other income of Rs.3.92 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5.36 | 5.69 | 3.84 | 5.02 | 5.06 | 3.98 | 4.37 | 3.05 | 2.66 | 1.71 | 3.59 | 2.20 | 2.43 | |
| Interest | 1.80 | 1.55 | 0.94 | 0.87 | 0.48 | 0.08 | 0.11 | 0.06 | 0.02 | 0.03 | 0.03 | 0.00 | 0.00 |
| 2.55 | 3.08 | 2.16 | 2.54 | 2.00 | 2.04 | 2.29 | 2.63 | 2.06 | 1.75 | 2.45 | 2.22 | 2.29 | |
| Financing Profit | 1.01 | 1.06 | 0.74 | 1.61 | 2.58 | 1.86 | 1.97 | 0.36 | 0.58 | -0.07 | 1.11 | -0.02 | 0.14 |
| Financing Margin % | 18.84% | 18.63% | 19.27% | 32.07% | 50.99% | 46.73% | 45.08% | 11.80% | 21.80% | -4.09% | 30.92% | -0.91% | 5.76% |
| 0.04 | 0.07 | 0.05 | 0.89 | 0.16 | 0.04 | 0.08 | 0.06 | 0.39 | 0.12 | 0.04 | 0.60 | 3.92 | |
| Depreciation | 0.19 | 0.29 | 0.20 | 0.18 | 0.15 | 0.10 | 0.07 | 0.06 | 0.09 | 0.15 | 0.11 | 0.04 | 0.18 |
| Profit before tax | 0.86 | 0.84 | 0.59 | 2.32 | 2.59 | 1.80 | 1.98 | 0.36 | 0.88 | -0.10 | 1.04 | 0.54 | 3.88 |
| Tax % | 26.74% | 22.62% | 18.64% | 24.14% | 20.08% | 38.33% | 20.71% | 19.44% | 23.86% | 30.00% | 17.31% | 40.74% | |
| 0.63 | 0.65 | 0.48 | 1.77 | 2.07 | 1.11 | 1.58 | 0.30 | 0.68 | -0.13 | 0.86 | 0.31 | 2.94 | |
| EPS in Rs | 1.48 | 1.53 | 1.13 | 4.16 | 4.87 | 2.61 | 3.72 | 0.71 | 1.60 | -0.31 | 2.02 | 0.73 | 6.92 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -9% |
| 5 Years: | -13% |
| 3 Years: | -6% |
| TTM: | -11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | -28% |
| 3 Years: | -21% |
| TTM: | 86% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 24% |
| 3 Years: | 22% |
| 1 Year: | 6% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 1% |
| 3 Years: | 1% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4.25 | 4.25 | 4.25 | 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 | 25.51 | 25.92 | 28.26 |
| Borrowing | 17.55 | 10.97 | 8.61 | 9.22 | 1.73 | 1.41 | 2.48 | 0.69 | 0.71 | 1.51 | 0.71 | 0.71 | 0.71 |
| 1.57 | 1.67 | 0.67 | 0.58 | 0.30 | 0.15 | 0.14 | 0.11 | 0.24 | 0.38 | 0.55 | 1.24 | 1.46 | |
| Total Liabilities | 36.33 | 30.50 | 27.62 | 29.91 | 24.21 | 25.76 | 27.37 | 26.73 | 27.99 | 28.57 | 31.02 | 32.12 | 34.68 |
| 0.89 | 0.78 | 0.74 | 0.50 | 0.37 | 0.22 | 0.16 | 0.19 | 0.41 | 0.37 | 0.26 | 0.06 | 0.67 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 5.32 | 5.53 | 6.26 | 5.65 | 4.50 | 4.38 | 3.38 | 2.94 | 9.64 | 16.86 | 15.27 | 16.86 | 17.81 |
| 30.12 | 24.19 | 20.62 | 23.76 | 19.34 | 21.16 | 23.83 | 23.60 | 17.94 | 11.34 | 15.49 | 15.20 | 16.20 | |
| Total Assets | 36.33 | 30.50 | 27.62 | 29.91 | 24.21 | 25.76 | 27.37 | 26.73 | 27.99 | 28.57 | 31.02 | 32.12 | 34.68 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3.15 | 6.36 | 3.74 | -2.23 | 4.13 | 0.52 | -0.79 | 4.64 | 2.20 | 5.06 | -5.42 | 1.22 | |
| -0.28 | -0.38 | -0.88 | 1.45 | 1.23 | 0.67 | -0.18 | 2.20 | -6.14 | -7.43 | 6.18 | -0.85 | |
| -1.89 | -5.64 | -2.80 | 0.71 | -7.03 | -0.32 | 1.07 | -1.79 | 0.02 | 0.80 | -0.80 | 0.00 | |
| Net Cash Flow | 0.98 | 0.35 | 0.06 | -0.08 | -1.68 | 0.87 | 0.10 | 5.05 | -3.92 | -1.57 | -0.05 | 0.37 |
| Free Cash Flow | 2.71 | 6.19 | 3.59 | -1.40 | 4.21 | 0.53 | -0.80 | 4.56 | 1.95 | 4.98 | -5.42 | 1.35 |
| CFO/OP | 121% | 252% | 230% | -33% | 169% | 69% | -15% | 1,117% | 393% | -12,650% | -475% | -6,350% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3.79% | 3.65% | 2.65% | 5.72% | 9.41% | 4.87% | 6.46% | 1.14% | 2.42% | -0.56% | 3.05% | 1.03% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Loans / Assets Under Management (AUM) INR Lakhs |
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| Gross NPAs (Overdue > 90 days) INR Lakhs |
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| Loan Disbursements INR Lakhs |
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| Number of Branches Number |
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| Number of Employees Number |
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Documents
Announcements
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Annual Disclosure Under Regulation 31(4) Of SEBI (Substantial Acquisition Of Shares & Takeover ) Regulations, 2011.
6 Apr - Promoters disclosed no share encumbrance during FY ended March 31, 2026.
-
Closure of Trading Window
26 Mar - Trading window closed from April 1, 2026 until 48 hours after Q4 (Mar 31, 2026) results.
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Board Meeting Outcome for Outcome Of The Meeting Of The Board Held On Thursday, 19Th Day Of March, 2026.
19 Mar - Board discontinued Mrs. Rupal Patel and appointed Mr. Altab Kazi as secretarial auditor on March 19, 2026.
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Board Meeting Intimation for Intimation Of Board Meeting To Be Held On Thursaday, 19Th Day Of March, 2026 At 1:00 P.M
12 Mar - Board meeting on 19 Mar 2026 to discontinue current and appoint new secretarial auditor.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
12 Feb - Publication of Standalone Un- Audited Financial Results for the Third Quarter Ended on 31st December, 2025 in Newspaper.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from bse
Business Overview:[1]
PFL is a part of the Paragon Group which is involved in the plywood and timber business and has a stake of ~
71% in the company. It started as a commercial vehicle financing business and then registered as a non-systematically important non-deposit taking non-banking financial company with a presence in Ranchi
and Kolkata.