Paragon Finance Ltd

Paragon Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Paragon Finance Ltd

₹ 49.7 -4.81%
26 Apr 11:01 a.m.
paragonfinanceltd.com BSE: 531255
About

Incorporated in 1986, Paragon Finance Ltd provides loans and makes investments in shares and securities[1]

Key Points

Business Overview:[1][2]
Company is registered as a Non Systematically Important Non Deposit Taking Non Banking Financial Company. It is classified as Asset Finance Company and is proposed to be classified as an NBFC - Investment and Credit Company

Website BSE
  • Market Cap ₹ 21.1 Cr.
  • Current Price ₹ 49.7
  • High / Low ₹ 80.8 / 29.0
  • Stock P/E
  • Book Value ₹ 68.4
  • Dividend Yield 0.00 %
  • ROCE -0.32 %
  • ROE -0.56 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.73 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -19.5% over past five years.
  • Company has a low return on equity of 0.99% over last 3 years.
  • Contingent liabilities of Rs.6.74 Cr.
  • Working capital days have increased from 365 days to 640 days

* 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
0.74 0.63 0.77 0.89 0.43 0.58 0.42 0.55 0.90 0.41 1.02 0.59 1.15
0.43 1.16 0.59 0.64 0.25 0.57 0.88 0.49 0.28 0.66 0.62 0.45 1.26
Operating Profit 0.31 -0.53 0.18 0.25 0.18 0.01 -0.46 0.06 0.62 -0.25 0.40 0.14 -0.11
OPM % 41.89% -84.13% 23.38% 28.09% 41.86% 1.72% -109.52% 10.91% 68.89% -60.98% 39.22% 23.73% -9.57%
-2.24 0.63 0.02 0.06 0.05 0.26 0.02 0.00 0.98 -0.89 0.32 0.14 -0.36
Interest 0.02 -0.01 0.01 0.00 0.01 0.01 0.01 0.01 0.01 0.00 0.00 0.03 0.01
Depreciation 0.01 0.02 0.01 0.02 0.03 0.02 0.04 0.04 0.04 0.04 0.03 0.03 0.03
Profit before tax -1.96 0.09 0.18 0.29 0.19 0.24 -0.49 0.01 1.55 -1.18 0.69 0.22 -0.51
Tax % 28.57% 66.67% 38.89% 13.79% 10.53% 33.33% 0.00% 0.00% 13.55% 15.25% 2.90% 0.00% 3.92%
-1.40 0.04 0.11 0.25 0.16 0.15 -0.49 0.01 1.34 -1.00 0.68 0.23 -0.49
EPS in Rs -3.29 0.09 0.26 0.59 0.38 0.35 -1.15 0.02 3.15 -2.35 1.60 0.54 -1.15
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
6.07 5.71 5.36 5.69 3.84 5.02 5.06 3.98 4.37 3.05 2.66 1.71 3.17
2.61 2.25 2.55 3.08 2.16 2.54 2.00 2.04 2.29 2.63 2.06 1.75 2.99
Operating Profit 3.46 3.46 2.81 2.61 1.68 2.48 3.06 1.94 2.08 0.42 0.60 -0.04 0.18
OPM % 57.00% 60.60% 52.43% 45.87% 43.75% 49.40% 60.47% 48.74% 47.60% 13.77% 22.56% -2.34% 5.68%
0.03 0.03 0.04 0.07 0.05 0.89 0.16 0.04 0.08 0.06 0.39 0.12 -0.79
Interest 2.46 2.18 1.80 1.55 0.94 0.87 0.48 0.08 0.11 0.06 0.02 0.03 0.04
Depreciation 0.10 0.11 0.19 0.29 0.20 0.18 0.15 0.10 0.07 0.06 0.09 0.15 0.13
Profit before tax 0.93 1.20 0.86 0.84 0.59 2.32 2.59 1.80 1.98 0.36 0.88 -0.10 -0.78
Tax % 27.96% 23.33% 26.74% 22.62% 18.64% 24.14% 20.08% 38.33% 20.71% 19.44% 23.86% -30.00%
0.67 0.92 0.63 0.65 0.48 1.77 2.07 1.11 1.58 0.30 0.68 -0.13 -0.58
EPS in Rs 1.58 2.16 1.48 1.53 1.13 4.16 4.87 2.61 3.72 0.71 1.60 -0.31 -1.36
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: -20%
3 Years: -27%
TTM: 29%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -157%
Stock Price CAGR
10 Years: 18%
5 Years: 34%
3 Years: 45%
1 Year: 44%
Return on Equity
10 Years: 4%
5 Years: 3%
3 Years: 1%
Last Year: -1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
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 11.42 12.34 12.96 13.61 14.09 15.86 17.93 19.95 20.50 21.68 22.79 22.43 24.84
21.30 19.96 17.55 10.97 8.61 9.22 1.73 1.41 2.48 0.69 0.71 1.51 1.21
3.75 2.74 1.57 1.67 0.67 0.58 0.30 0.15 0.14 0.11 0.24 0.38 0.45
Total Liabilities 40.72 39.29 36.33 30.50 27.62 29.91 24.21 25.76 27.37 26.73 27.99 28.57 30.75
0.46 0.65 0.89 0.78 0.74 0.50 0.37 0.22 0.16 0.19 0.41 0.37 0.32
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 5.56 5.47 5.32 5.53 6.26 5.65 4.50 4.38 3.38 2.94 9.64 16.86 18.03
34.70 33.17 30.12 24.19 20.62 23.76 19.34 21.16 23.83 23.60 17.94 11.34 12.40
Total Assets 40.72 39.29 36.33 30.50 27.62 29.91 24.21 25.76 27.37 26.73 27.99 28.57 30.75

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-3.88 2.73 3.15 6.36 3.74 -2.23 4.13 0.52 -0.79 4.64 2.20 5.06
0.27 -0.21 -0.28 -0.38 -0.88 1.45 1.23 0.67 -0.18 2.20 -6.14 -7.43
3.55 -2.12 -1.89 -5.64 -2.80 0.71 -7.03 -0.32 1.07 -1.79 0.02 0.80
Net Cash Flow -0.06 0.40 0.98 0.35 0.06 -0.08 -1.68 0.87 0.10 5.05 -3.92 -1.57

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 0.00 0.00 7.49 3.85 0.00 2.91 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 7.49 3.85 0.00 2.91 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 1,086.58 1,197.92 1,167.86 1,018.02 1,277.50 961.22 867.06 131.14 193.78 154.38 300.51 640.35
ROCE % 9.69% 9.19% 7.49% 7.49% 5.49% 8.24% 11.16% 7.71% 7.91% 1.52% 3.09% -0.32%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
66.78% 66.78% 66.78% 69.73% 72.67% 72.67% 72.79% 72.79% 72.79% 72.79% 72.79% 72.79%
33.22% 33.22% 33.22% 30.27% 27.33% 27.33% 27.20% 27.21% 27.21% 27.21% 27.21% 27.21%
No. of Shareholders 1,2311,2771,3761,4031,4871,4951,4901,5521,5791,6701,9911,863

Documents

Announcements

Annual reports