Paul Merchants Limited provides financial services in India.
Solid track record and fair value.
Share Price & News
How has Paul Merchants's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 539113'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: 539113 underperformed the Indian Consumer Finance industry which returned 51.3% over the past year.
Return vs Market: 539113 underperformed the Indian Market which returned 5.2% over the past year.
Price Volatility Vs. Market
How volatile is Paul Merchants's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Paul Merchants undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate 539113's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate 539113's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: 539113 is good value based on its PE Ratio (4.5x) compared to the Consumer Finance industry average (14.6x).
PE vs Market: 539113 is good value based on its PE Ratio (4.5x) compared to the Indian market (13x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 539113's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 539113 is good value based on its PB Ratio (0.3x) compared to the IN Consumer Finance industry average (0.7x).
How is Paul Merchants 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 Paul Merchants 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 Paul Merchants 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.
- Paul Merchants 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 Paul Merchants performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 539113 has high quality earnings.
Growing Profit Margin: 539113's current net profit margins (0.5%) are higher than last year (0.4%).
Past Earnings Growth Analysis
Earnings Trend: 539113's earnings have grown by 7.3% per year over the past 5 years.
Accelerating Growth: 539113's earnings growth over the past year (19.6%) exceeds its 5-year average (7.3% per year).
Earnings vs Industry: 539113 earnings growth over the past year (19.6%) exceeded the Consumer Finance industry 14.2%.
Return on Equity
High ROE: 539113's Return on Equity (6.4%) is considered low.
Return on Assets
Return on Capital Employed
How is Paul Merchants's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 539113 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 539113's debt is covered by short term assets (assets are 12.9x debt).
Financial Institutions Analysis
Asset Level: 539113's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 539113 has a sufficient allowance for bad loans.
Low Risk Liabilities: 539113 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 539113 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 539113 has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 539113 has an appropriate level of bad loans.
What is Paul Merchants's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 539113's dividend (0.38%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.61%).
High Dividend: 539113's dividend (0.38%) is low compared to the top 25% of dividend payers in the Indian market (2.67%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether 539113's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if 539113's dividend payments are increasing as they only just started paying a dividend.
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: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Sat Bansal (72yo)
Mr. Sat Paul Bansal serves as Executive Chairman and Managing Director at Paul Merchants Limited. Mr. Bansal served as Chief Executive Officer of Paul Merchants Limited. He has been a Director of Paul Merc ...
CEO Compensation Analysis
Compensation vs Market: Sat's total compensation ($USD704.12K) is above average for companies of similar size in the Indian market ($USD50.10K).
Compensation vs Earnings: Sat's compensation has increased by more than 20% in the past year.
|Executive Chairman & MD||0yrs||₹50.40m||no data|
|Executive Director||21yrs||₹7.09m||14.57% ₹160.5m|
|Whole Time Director||4.3yrs||₹845.04k||no data|
|Independent Director||2.8yrs||₹45.00k||no data|
|Non-Executive Independent Director||9.8yrs||₹42.50k||no data|
|Non-Executive Non Independent Director||8.1yrs||no data||33.62% ₹370.5m|
|Non-Executive Non Independent Director||26.4yrs||no data||14.06% ₹154.9m|
|Non-Executive Independent Director||8yrs||₹90.00k||no data|
|Non-Executive Independent Director||5.8yrs||₹120.00k||no data|
|Non-Executive Independent Director||5.3yrs||₹100.00k||no data|
Experienced Board: 539113's board of directors are considered experienced (8 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.
Paul Merchants Limited's company bio, employee growth, exchange listings and data sources
- Name: Paul Merchants Limited
- Ticker: 539113
- Exchange: BSE
- Founded: 1984
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹1.102b
- Shares outstanding: 1.03m
- Website: https://www.paulmerchants.net
Number of Employees
- Paul Merchants Limited
- PML House
- SCO 829-830
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|539113||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Apr 2015|
Paul Merchants Limited provides financial services in India. The company offers foreign exchange services in the form of currency notes, traveler cheques, travel cards, outward remittance/wire transfers, and foreign currency drafts; tour and travel services covering air ticketing, hotel accommodation, bus, cruise, holiday package, travel insurance, and forex; domestic money transfer services; and business payment solutions for legal, financial, and educational institutions. It also provides international calling cards; and gold loans. The company was formerly known as Brite Agro Mills Ltd and changed its name to Paul Merchants Limited in 1991. Paul Merchants Limited was incorporated in 1984 and is based in Chandigarh, India.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/27 13:29|
|End of Day Share Price||2020/02/27 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.