Paragon Finance Ltd
₹ 51.7
0.00%
20 Mar
- close price
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 ₹ 22.0 Cr.
- Current Price ₹ 51.7
- High / Low ₹ 70.0 / 38.2
- Stock P/E 7.47
- 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 0.68 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: | 21% |
| 5 Years: | 22% |
| 3 Years: | 20% |
| 1 Year: | -13% |
| 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 |
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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Board Meeting Outcome for Outcome Of The Meeting Of The Board Held On Thursday, 19Th Day Of March, 2026.
1d - 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.
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Un-Audited Financial Results Of The Company For The Third Quarter Ended December 31, 2025, Along With The Auditor''s Limited Review Report Pursuant To Regulation 33 Of SEBI (Listing Obligation And Disclosure Requirements) Regulation, 2015.
10 Feb - Board approved Q3 FY26 unaudited results: net profit Rs180.39 lakh, total income Rs261.63 lakh; limited review dated 10 Feb 2026.
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Board Meeting Outcome for Outcome Of The Meeting Of The Board Held On Tuesday, February 10, 2026 Ref: Regulation 30 & 33 Of The SEBI (Listing Obligation And Disclosure Requirement) Regulation, 2015.
10 Feb - Q3 FY2026 unaudited results: Qtr net profit Rs180.39L; YTD net Rs376.38L; Board approved Feb 10, 2026.
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
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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.