Paragon Finance Ltd
NSE: BSE: 531255
₹49.50
(2.34%)
Fri, 27 Feb 2026, 02:57 pm
Market Cap205.57M
PE Ratio7.14
Dividend0
Finance
Finance/Rental/Leasing
24.5KParagon Finance Analysis
dividend
- Unable to evaluate Paragon Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate Paragon Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.
health
- Paragon Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Paragon Finance is profitable, therefore cash runway is not a concern.
- Paragon Finance is profitable, therefore cash runway is not a concern.
- Debt is well covered by operating cash flow (271.9%, greater than 20% of total debt).
- Debt is covered by short term assets, assets are 33x debt.
- Paragon Finance's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (71.1% vs 3% today).
- Paragon Finance's level of debt (3%) compared to net worth is satisfactory (less than 40%).
- Low level of unsold assets.
management
- The average tenure for the Paragon Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
- Sanjay's remuneration is about average for companies of similar size in India.
- Sanjay's compensation has been consistent with company performance over the past year, both up more than 20%.
misc
- Paragon Finance is not covered by any analysts.
- Paragon Finance has significant price volatility in the past 3 months.
past
- Paragon Finance has delivered over 20% year on year earnings growth in the past 5 years.
- Paragon Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Paragon Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (30.3% vs 11%).
- Paragon Finance's 1-year earnings growth is less than its 5-year average (30.3% vs 39.5%)
- Paragon Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- Paragon Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
- Paragon Finance's share price is below the future cash flow value, and at a substantial discount (> 40%).
- Paragon Finance is good value based on assets compared to the IN Consumer Finance industry average.
- Paragon Finance is good value based on earnings compared to the IN Consumer Finance industry average.
- Paragon Finance is good value based on earnings compared to the India market.
- BSE:531255 is up 20.9% outperforming the Consumer Finance industry which returned 10.3% over the past month.
- BSE:531255 is up 20.9% outperforming the market in India which returned 8% over the past month.
- 531255 underperformed the Consumer Finance industry which returned -28.8% over the past year.
- 531255 underperformed the Market in India which returned -14.5% over the past year.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800