Micro NBFC

Paragon Finance Ltd.

PARAGONF

₹58.0

-1.69% (-1.0)

Market Cap

₹25 Cr.

P/E

79.60

Paragon Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Paragon Finance Ltd.

Paragon Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on Paragon Finance Ltd. Shareprice

Has the share price of Paragon Finance grown faster than its competition?

Paragon Finance has given better returns compared to its competitors.
Paragon Finance has grown at ~49.52% over the last 3yrs while peers have grown at a median rate of 7.48%

Is Paragon Finance stock expensive?

Yes, Paragon Finance is expensive.
Latest PE of Paragon Finance is 79.6, while 3 year average PE is 23.01.
Also latest Price to Book of Paragon Finance is 0.83 while 3yr average is 0.52.

View FAQ's On Business

Growth Table

Paragon Finance Ltd.
Shreevatsa Finance
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In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	19.19	20.73	49.52	34.46	46.44	26.35	16.34	16.41	26.62	24.47
TTM EPS CAGR	—	—	-24.53	-14.22	-27.99	-20.03	-23.74	-19.23	-2.93	-5.86
Sales CAGR	-37.87	0.71	-6.22	-7.85	-13.04	-9.41	-8.01	-6.81	-4.38	-8.01
PAT Margin (Abs Growth)	31.89	-1.22	14.55	-11.79	-3.61	-29.03	-23.20	8.92	11.07	11.97
PE CAGR	—	—	98.13	56.32	101	58.00	52.55	44.13	30.44	32.22
CFO CAGR	-207	—	—	61.98	—	—	13.55	—	—	—

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

Paragon Finance Ltd.
Shreevatsa Finance
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In Rs. Cr.		Mar'10
Assets		34.88
Non Current Assets		9.58
Net Block		0.35
Capital Work in Progress		—
Intangible Assets Under Development		—
Long Term Investments		9.21
Current Assets		25.32
Inventory		0.20
Accounts Receivable		0.02
Short Term Investments		0.00
Cash & Bank Balances		0.39
Liabilities		34.88
Shareholders Funds		17.62
Share Capital		4.25
Reserves		13.37
Non Current Liabilities		8.87
Secured Loans		2.16
Unsecured Loans		6.73
Current Liabilities		8.40
Accounts Payable		0.63
Short Term Loans		—

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

Paragon Finance Ltd.
Shreevatsa Finance
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In Rs. Cr.		Mar'10
Sales		3.60
Operating Expenses		3.01
Raw Material		0.00
Material Cost (%)		0.00
Employee Cost		0.31
Power & Fuel Cost		0.03
Operating Profit		0.59
Other Income		0.73
OPM (%)		16.36
Depreciation and Amortisation		0.08
Interest		0.41
Profit Before Tax		0.83
Tax		0.14
Net Profit		0.68
Number of shares(Crs)		0.42
Dividend Payout Ratio(%)		0.00

Cash Flow

Paragon Finance Ltd.
Shreevatsa Finance
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In Rs. Cr.	Mar'09	Mar'10
Cash from Operating Activity	-1.68	-2.84
Profit Before Tax	0.58	1.23
Adjustments	0.09	0.08
OCF Before Working Capital	0.27	0.90
Working Capital Changes	-1.87	-3.59
Taxes Paid	-0.08	-0.15
Cash from Investing Activity	-1.69	-0.35
Net Fixed Assets Purchased	0.00	0.00
Fixed Assets Purchased	—	—
Fixed Assets Sold	—	—
Investment Purchased	—	—
Investment Sold	—	—
Interest Recieved	—	—
Dividends Recieved	—	—
Subsidiary Investments	—	—
Cash from Financing Activity	3.19	3.01
Proceeds From Shares	—	—
Net Long Term Borrowings	0.00	0.00
Proceeds From Borrowings	—	—
Repayment From Borrowings	—	—
Interest Paid	—	—
Dividend Paid	—	—
Net Cash Flow	-0.18	-0.18
Opening Cash & Cash Equivalents	0.75	0.57
Effect of FX	0.00	—
Closing Cash & Cash Equivalents	0.57	0.39
Net Capex (est)	0.00	0.00
Free Cash Flow (est)	-1.68	-2.84

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

Paragon Finance Ltd.
Shreevatsa Finance
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		Mar'10
Operational Ratios
Quick Ratio		2.99
Liquid Assets (Crs)		25.12
Current Liabilities (Crs)		8.40
Current Ratio		3.02
Current Assets (Crs)		25.32
Current Liabilities (Crs)		8.40
Interest Coverage Ratio		3.01
EBIT (Crs)		1.24
Interest Expenses (Crs)		0.41
Fixed Asset Turnover		3.87
Net Sales (Crs)		3.60
Fixed Assets (Crs)		0.93
Cash Conversion Cycle		-80.90
Inventory Days		21.27
Days Receivable		1.97
Days Payable		104
Debt to Equity Ratio		0.50
Total Debt (Crs)		8.89
Shareholders Equity (Crs)		17.62
Free Cash Flow/Sales (%)		-78.84
Free Cash Flow(est) (Crs)		-2.84
Net Sales (Crs)		3.60
Profitability Ratios
Gross Margin (%)		100.00
Op Profit Margin (%)		16.36
Operating Profit (Crs)		1.32
Net Sales (Crs)		3.60
Net Profit Margin (%)		18.99
Net Profit (Crs)		0.68
Net Sales (Crs)		3.60
ROCE (%)		4.67
EBIT (Crs)		1.24
Capital Employed (Crs)		26.49
Return on Assets (%)		1.96
Net Profit (Crs)		0.68
Total Assets (Crs)		34.88
ROIC (%)		2.49
Op Profit after Taxes (Crs)		0.42
Invested Capital (Crs)		16.88
ROE (%)		3.88
Net Profit Margin (%)		18.99
Asset Turnover ratio		0.10
Equity Multiplier		1.98
Adjusted EPS		1.61
Valuation Ratios
P/E		5.59
Price to Book		0.22
EV/EBITDA		9.36
Dividend Yield (%)		0.00

Quarterly Results

Paragon Finance Ltd.
Shreevatsa Finance
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In Rs. Cr.	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24	Mar'25
Net Sales	0.90	0.29	1.02	0.59	1.15	0.78	1.10	1.06	-0.22	0.26
Operating Expenses	0.28	0.55	0.61	0.46	1.27	0.11	0.52	0.62	0.41	0.68
Increase/Decrease in Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Raw Material	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	0.43	0.54	0.39	0.39	0.39	0.58	0.39	0.41	0.38	0.46
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Electricity, Power & Fuel Cost	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gen_AdminExpenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Miscellaneous Expenses	-0.26	-0.07	0.10	-0.04	0.01	0.03	-0.02	-0.03	0.01	-0.06
Operating Profit	0.62	-0.26	0.40	0.13	-0.11	0.67	0.58	0.44	-0.63	-0.41
Other Income	0.98	-0.89	0.32	0.14	-0.36	-0.01	0.47	0.00	0.37	-0.24
Interest	0.01	0.00	0.00	0.03	0.01	-0.00	0.00	0.00	0.00	0.00
PBDT	1.59	-1.14	0.72	0.25	-0.48	0.66	1.05	0.44	-0.26	-0.65
Depreciation and Amortization	0.04	0.04	0.03	0.03	0.03	0.03	0.02	0.01	0.01	0.00
Profit Before Tax	1.55	-1.18	0.70	0.22	-0.51	0.63	1.03	0.42	-0.27	-0.65
Tax	0.21	-0.18	0.02	-0.00	-0.02	0.18	0.03	0.00	0.03	0.16
Profit After Tax	1.34	-1.00	0.68	0.23	-0.49	0.45	1.01	0.42	-0.30	-0.82
Exceptional Items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	1.34	-1.00	0.68	0.23	-0.49	0.45	1.01	0.42	-0.30	-0.82
Quarterly Ratios
EPS	3.16	-2.36	1.60	0.53	-1.16	1.06	2.37	1.00	-0.71	-1.92
Operating Profit Margin	69.03	-87.07	39.53	22.84	-9.80	85.84	52.95	41.38	283	-156
Net Profit Margin	149	-340	66.67	38.24	-42.58	57.79	91.64	40.15	135	-309

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

73.10%

Implied Growth Rate over a 5 year period*

27.50%

Implied Growth Rate over a 10 year period*

13.00%

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Rhapson method.

Learn how to use Reverse DCF

FAQs on Paragon Finance Ltd. Financials

How strong is Paragon Finance balance sheet?

The companies balance sheet of Paragon Finance is weak, but was strong historically.

Is the profitablity of Paragon Finance improving?

The profit is oscillating.
The profit of Paragon Finance is ₹0.86 Crs for Mar 2024, -₹0.13 Crs for Mar 2023 and ₹0.68 Crs for Mar 2022

Does Paragon Finance pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
Paragon Finance latest dividend payout ratio is 0% and 3yr average dividend payout ratio is 0%

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Paragon Finance Ltd.

Paragon Finance Ltd.

Has the share price of Paragon Finance grown faster than its competition?

Is Paragon Finance stock expensive?

How strong is Paragon Finance balance sheet?

Is the profitablity of Paragon Finance improving?

Does Paragon Finance pay decent dividends?

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