Paragon Finance Ltd
₹ 53.8
0.47%
11 Sep
- 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 ₹ 22.8 Cr.
- Current Price ₹ 53.8
- High / Low ₹ 63.7 / 37.2
- Stock P/E 26.9
- Book Value ₹ 67.4
- Dividend Yield 0.00 %
- ROCE -3.78 %
- ROE -3.78 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.80 times its book value
- Promoter holding has increased by 1.47% over last quarter.
Cons
- The company has delivered a poor sales growth of -16.2% over past five years.
- Company has a low return on equity of 0.07% over last 3 years.
- Earnings include an other income of Rs.2.36 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5.69 | 3.84 | 5.02 | 5.06 | 3.98 | 4.37 | 3.05 | 2.66 | 1.71 | 3.59 | 2.20 | 1.26 | 1.07 | |
| Interest | 1.55 | 0.94 | 0.87 | 0.48 | 0.08 | 0.11 | 0.06 | 0.02 | 0.03 | 0.03 | 0.00 | 0.01 | 0.02 |
| 3.08 | 2.16 | 2.54 | 2.00 | 2.04 | 2.29 | 2.63 | 2.06 | 1.75 | 2.45 | 2.22 | 2.20 | 1.81 | |
| Financing Profit | 1.06 | 0.74 | 1.61 | 2.58 | 1.86 | 1.97 | 0.36 | 0.58 | -0.07 | 1.11 | -0.02 | -0.95 | -0.76 |
| Financing Margin % | 18.63% | 19.27% | 32.07% | 50.99% | 46.73% | 45.08% | 11.80% | 21.80% | -4.09% | 30.92% | -0.91% | -75.40% | -71.03% |
| 0.07 | 0.05 | 0.89 | 0.16 | 0.04 | 0.08 | 0.06 | 0.39 | 0.12 | 0.04 | 0.60 | 0.02 | 2.36 | |
| Depreciation | 0.29 | 0.20 | 0.18 | 0.15 | 0.10 | 0.07 | 0.06 | 0.09 | 0.15 | 0.11 | 0.04 | 0.23 | 0.25 |
| Profit before tax | 0.84 | 0.59 | 2.32 | 2.59 | 1.80 | 1.98 | 0.36 | 0.88 | -0.10 | 1.04 | 0.54 | -1.16 | 1.35 |
| Tax % | 22.62% | 18.64% | 24.14% | 20.08% | 38.33% | 20.71% | 19.44% | 23.86% | 30.00% | 17.31% | 40.74% | -3.45% | |
| 0.65 | 0.48 | 1.77 | 2.07 | 1.11 | 1.58 | 0.30 | 0.68 | -0.13 | 0.86 | 0.31 | -1.11 | 0.85 | |
| EPS in Rs | 1.53 | 1.13 | 4.16 | 4.87 | 2.61 | 3.72 | 0.71 | 1.60 | -0.31 | 2.02 | 0.73 | -2.61 | 2.01 |
| 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: | -11% |
| 5 Years: | -16% |
| 3 Years: | -10% |
| TTM: | -51% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 21% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 23% |
| 3 Years: | 16% |
| 1 Year: | 0% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 0% |
| 3 Years: | 0% |
| Last Year: | -4% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Reserves | 13.61 | 14.09 | 15.86 | 17.93 | 19.95 | 20.50 | 21.68 | 22.79 | 22.43 | 25.51 | 25.92 | 24.38 |
| Borrowing | 10.97 | 8.61 | 9.22 | 1.73 | 1.41 | 2.48 | 0.69 | 0.71 | 1.51 | 0.71 | 0.71 | 1.40 |
| 1.67 | 0.67 | 0.58 | 0.30 | 0.15 | 0.14 | 0.11 | 0.24 | 0.38 | 0.55 | 1.24 | 2.73 | |
| Total Liabilities | 30.50 | 27.62 | 29.91 | 24.21 | 25.76 | 27.37 | 26.73 | 27.99 | 28.57 | 31.02 | 32.12 | 32.76 |
| 0.78 | 0.74 | 0.50 | 0.37 | 0.22 | 0.16 | 0.19 | 0.41 | 0.37 | 0.26 | 0.06 | 0.52 | |
| 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 |
| Investments | 5.53 | 6.26 | 5.65 | 4.50 | 4.38 | 3.38 | 2.94 | 9.64 | 16.86 | 15.27 | 16.86 | 14.71 |
| 24.19 | 20.62 | 23.76 | 19.34 | 21.16 | 23.83 | 23.60 | 17.94 | 11.34 | 15.49 | 15.20 | 17.53 | |
| Total Assets | 30.50 | 27.62 | 29.91 | 24.21 | 25.76 | 27.37 | 26.73 | 27.99 | 28.57 | 31.02 | 32.12 | 32.76 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6.36 | 3.74 | -2.23 | 4.13 | 0.52 | -0.79 | 4.64 | 2.20 | 5.06 | -5.42 | 1.22 | -2.02 | |
| -0.38 | -0.88 | 1.45 | 1.23 | 0.67 | -0.18 | 2.20 | -6.14 | -7.43 | 6.18 | -0.85 | 0.84 | |
| -5.64 | -2.80 | 0.71 | -7.03 | -0.32 | 1.07 | -1.79 | 0.02 | 0.80 | -0.80 | 0.00 | 0.69 | |
| Net Cash Flow | 0.35 | 0.06 | -0.08 | -1.68 | 0.87 | 0.10 | 5.05 | -3.92 | -1.57 | -0.05 | 0.37 | -0.49 |
| Free Cash Flow | 6.19 | 3.59 | -1.40 | 4.21 | 0.53 | -0.80 | 4.56 | 1.95 | 4.98 | -5.42 | 1.35 | -2.71 |
| CFO/OP | 252% | 230% | -33% | 169% | 69% | -15% | 1,117% | 393% | -12,650% | -475% | -6,350% | 215% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3.65% | 2.65% | 5.72% | 9.41% | 4.87% | 6.46% | 1.14% | 2.42% | -0.56% | 3.05% | 1.03% | -3.78% |
Insights
In beta| Mar 2017 | Mar 2018 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| Gross Loan Portfolio INR Lakhs |
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| Loans Secured by Tangible Assets (Vehicle Loans) INR Lakhs |
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| Gross Non-Performing Assets (GNPA) INR Lakhs |
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| Investment Portfolio (Total) INR Lakhs |
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| Number of Offices count |
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| Number of Permanent Employees count |
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| Loans to Related Parties (Inter-corporate) INR Lakhs |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Advertisement of Notice of 40th AGM of the Company.
-
Book Closure For The 40Th Annual General Meeting Of The Company
- Book closure from 21-26 Sept 2026 for Paragon Finance’s 40th AGM on 26 Sept 2026.
-
Reg. 34 (1) Annual Report.
- Paragon Finance filed 40th Annual Report; AGM on 26 September 2026, with director and remuneration proposals.
-
Submission Of Notice Of 40Th Annual General Meeting (AGM) Of The Company
- Paragon Finance’s 40th AGM is on 26 Sep 2026 via VC, with financials adoption and director appointments.
-
Announcement under Regulation 30 (LODR)-Change in Management
- Mrs. Raveena Agrawal appointed Additional Independent Director for five years from 31 August 2026.
Annual reports
-
Annual Report 2026
from bse
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Annual Report 2025
from bse
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Annual Report 2024
from bse
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Annual Report 2023
from bse
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Annual Report 2022
from bse
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Annual Report 2021
from bse
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Annual Report 2020
from bse
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Annual Report 2019
from bse
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Annual Report 2018
from bse
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Annual Report 2017
from bse
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Annual Report 2016
from bse
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Annual Report 2015
from bse
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Annual Report 2014
from bse
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Annual Report 2013
from bse
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Annual Report 2012
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.