Paragon Finance Limited, an NBFC company, finances heavy commercial vehicles in the eastern region of India.
Undervalued with adequate balance sheet.
Share Price & News
How has Paragon Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 531255's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 531255 exceeded the Indian Consumer Finance industry which returned 1.3% over the past year.
Return vs Market: 531255 underperformed the Indian Market which returned 5.1% over the past year.
Price Volatility Vs. Market
How volatile is Paragon Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
Is Paragon Finance undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 531255 (₹17) is trading below our estimate of fair value (₹25.66)
Significantly Below Fair Value: 531255 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 531255 is good value based on its PE Ratio (4.6x) compared to the IN Consumer Finance industry average (11.1x).
PE vs Market: 531255 is good value based on its PE Ratio (4.6x) compared to the Indian market (14.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 531255's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 531255 is good value based on its PB Ratio (0.3x) compared to the IN Consumer Finance industry average (0.6x).
How is Paragon Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Paragon Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Paragon Finance is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Paragon Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has Paragon Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 531255 has high quality earnings.
Growing Profit Margin: 531255's current net profit margins (36.3%) are lower than last year (51.1%).
Past Earnings Growth Analysis
Earnings Trend: 531255's earnings have grown significantly by 34.2% per year over the past 5 years.
Accelerating Growth: 531255's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 531255 had negative earnings growth (-43%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.4%).
Return on Equity
High ROE: 531255's Return on Equity (6.4%) is considered low.
How is Paragon Finance's financial position?
Financial Position Analysis
Short Term Liabilities: 531255's short term assets (₹213.0M) exceed its short term liabilities (₹5.2M).
Long Term Liabilities: 531255's short term assets (₹213.0M) exceed its long term liabilities (₹21.1M).
Debt to Equity History and Analysis
Debt Level: 531255's debt to equity ratio (10%) is considered satisfactory.
Reducing Debt: 531255's debt to equity ratio has reduced from 61.4% to 10% over the past 5 years.
Debt Coverage: 531255's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 531255's interest payments on its debt are well covered by EBIT.
What is Paragon Finance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 531255's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 531255's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 531255's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 531255's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 531255's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Sanjay Gupta (53 yo)
Mr. Sanjay Kumar Gupta has been the Chief Executive Officer of Paragon Finance Ltd. since September 26, 2014. Mr. Gupta serves as the Compliance Officer of UT Ltd. (known as Usha Telehoist), and served as ...
CEO Compensation Analysis
Compensation vs Market: Sanjay's total compensation ($USD44.23K) is about average for companies of similar size in the Indian market ($USD49.39K).
Compensation vs Earnings: Sanjay's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|CEO, CFO & Whole-Time Director||5.92yrs||₹3.30m||13.63% |
|Independent Director||17.42yrs||no data||no data|
|Non-Executive Director||34yrs||₹2.40m||no data|
|Independent Director||13.92yrs||no data||no data|
|Independent Director||12.58yrs||no data||no data|
|Non-Executive Director||6yrs||no data||7.06% |
|Independent Director||3.75yrs||no data||no data|
Experienced Board: 531255's board of directors are seasoned and experienced ( 13.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Paragon Finance Limited's company bio, employee growth, exchange listings and data sources
- Name: Paragon Finance Limited
- Ticker: 531255
- Exchange: BSE
- Founded: 1986
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹72.250m
- Shares outstanding: 4.25m
- Website: https://www.paragonfinanceltd.com
- Paragon Finance Limited
- 402, Sikkim House
- 4th Floor
- West Bengal
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|531255||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||May 2005|
Paragon Finance Limited, an NBFC company, finances heavy commercial vehicles in the eastern region of India. The company was formerly known as Paragon Finance and Plywood Industries Ltd and changed its nam ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/12 12:42|
|End of Day Share Price||2020/07/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.