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Paul Merchants Ltd

NSE: BSE: 539113

410.75

(-3.24%)

Wed, 01 Apr 2026, 09:39 pm

Paul Merchants Analysis

dividend

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Pros

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    Cons

    • Paul Merchants is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
    • No need to calculate the sustainability of Paul Merchants's dividends as it is not paying a notable one for India.
    • Paul Merchants is not paying a notable dividend for India, therefore no need to check if the payments are stable.
    • Paul Merchants's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
    • Paul Merchants's dividend is below the markets top 25% of dividend payers in India (3.08%).

    health

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    Pros

    • Paul Merchants is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Paul Merchants is profitable, therefore cash runway is not a concern.
    • Paul Merchants is profitable, therefore cash runway is not a concern.
    • Debt is well covered by operating cash flow (48.8%, greater than 20% of total debt).
    • Debt is covered by short term assets, assets are 12.9x debt.
    • Paul Merchants'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 (16.6% vs 6.9% today).
    • Paul Merchants earns more interest than it pays, coverage of interest payments is not a concern.
    • Paul Merchants's level of debt (6.9%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

      management

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      Pros

      • The tenure for the Paul Merchants board of directors is about average.
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      Cons

      • Sat's remuneration is higher than average for companies of similar size in India.
      • Sat's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.

      misc

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      Pros

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        Cons

        • Paul Merchants is not covered by any analysts.
        • Paul Merchants has significant price volatility in the past 3 months.

        past

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        Pros

        • Paul Merchants's 1-year earnings growth exceeds its 5-year average (19.6% vs 7.3%)
        • Paul Merchants's year on year earnings growth rate has been positive over the past 5 years.
        • Paul Merchants used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
        • Paul Merchants's earnings growth has exceeded the IN Consumer Finance industry average in the past year (19.6% vs 11%).
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        Cons

        • Paul Merchants's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
        • Paul Merchants has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

        value

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        Pros

        • Paul Merchants is good value based on assets compared to the IN Consumer Finance industry average.
        • Paul Merchants is good value based on earnings compared to the IN Consumer Finance industry average.
        • Paul Merchants is good value based on earnings compared to the India market.
        • BSE:539113 is up 25.9% outperforming the Consumer Finance industry which returned 10.3% over the past month.
        • BSE:539113 is up 25.9% outperforming the market in India which returned 8% over the past month.
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        Cons

        • 539113 underperformed the Consumer Finance industry which returned -28.8% over the past year.
        • 539113 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