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Paragon Finance Ltd

Paragon Finance Ltd

BBSE:PARAGONF
51.20
INR
+3.20
(+6.67%)
2.02EPS
25.28P/E
216.62MMarket Cap
Paragon Finance Ltd
BSE:PARAGONF
(Bombay Stock Exchange)

Recent

price

51.20

P/E

ratio

25.28

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
9.64
13.59
12.31
11.99
11.54
8.68
11.48
11.78
9.31
10.36
5.17
5.97
3.66
3.27
4.63
3.25
3.13
Revenue per Share
1.35
1.57
2.16
1.48
1.52
1.13
4.16
4.88
2.61
3.71
0.7
1.6
-0.31
2.02
0.74
-2.62
2.02
Basic EPS, GAAP
-19.02
-9.41
5.27
6.35
14.39
8.45
-5.64
9.19
1.2
-1.87
10.68
4.34
11.62
-12.76
2.88
-6.44
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
35.3
36.87
39.03
40.5
42.03
43.16
47.32
55.32
56.94
58.22
61
63.63
62.77
70.03
70.99
67.36
- -
Book Value per Share
35.3
36.87
39.03
40.5
42.03
43.16
47.32
55.32
56.94
58.22
61
63.63
62.77
70.03
70.99
67.36
- -
Tangible Book Value per Share
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
Basic Weighted Avg Shares
41
58
52
51
49
37
49
50
40
44
22
25
16
14
20
14
13
Sales/Revenue/Turnover
43.66
52.97
54.98
49.11
41.05
12.44
29.55
49.08
45.63
55.61
12.65
26.82
-14.7
54.82
21.47
-87.54
-74.98
Operating Margin (%)
1
1
1
2
3
2
2
1
1
1
1
1
1
1
- -
2
2
Depreciation Expense
6
7
9
6
6
5
18
21
11
16
3
7
-1
9
3
-11
9
Net Income, GAAP
27.31
27.86
23.49
26.33
23.29
18.41
24
20.06
38.27
20.44
17.66
23.43
- -
17.58
41.4
- -
36.85
Effective Tax Rate (%)
13.96
11.56
17.52
12.31
13.21
13.06
36.23
41.41
28.01
35.8
13.51
26.77
-8.36
61.76
15.98
-80.57
64.45
Profit Margin (%)
135
178
172
186
166
144
136
172
195
218
243
230
87
140
132
134
- -
Working Capital
162
195
157
158
90
64
66
- -
- -
- -
7
7
15
7
7
14
- -
LT Debt
150
157
166
172
179
183
201
235
242
247
259
270
267
298
302
286
- -
Total Equity
1.87
1.78
2.52
1.69
1.86
1.59
5.63
7.24
4.27
5.77
0.92
2.26
- -
2.16
0.9
- -
- -
Return on Invested Capital (%)
5.96
1.97
7.29
5.72
5.89
4.54
6.36
7.6
4.36
5.97
1.09
2.44
- -
2.82
1
- -
- -
Return on Capital (%)
3.88
4.35
5.68
3.71
3.69
2.66
9.19
9.51
4.65
6.44
1.17
2.57
-0.48
3.04
1.05
-3.78
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
14
- -
LT Borrowings
- -
14
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
212
229
217

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
175
- -
Cash, Cash Equivalents & STI
- -
10
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
41
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
14
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.73%
2.16%
-5.12%
Free Cash Flow
-199.17%
-109.65%
-324.02%
Net Income, GAAP
-106.91%
-253.54%
-453.46%
Sales/Revenue/Turnover
-4.7%
-4.41%
-29.9%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
4
4
3
4
20
2026
3
3
3
4
14
2027
3
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
2.37
1
-0.71
-1.92
0.74
2026
3.29
1.32
4.24
-11.47
-2.62
2027
7.92
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Paragon Finance Limited (PARAGONF.BO) is a non-banking financial company (NBFC) registered with the Reserve Bank of India that provides loans against hypothecation of vehicles and makes investments in shares and securities. The company offers lending services to business concerns, individuals, and group entities, including inter-corporate loans; it also deploys funds in mutual funds and other financial instruments, with a significant portion of its assets under management comprising loans to group companies. Incorporated on July 21, 1986, and headquartered in Kolkata, West Bengal, India, Paragon Finance operates primarily within the Indian market, focusing on the consumer finance and investment segments. In recent developments, the company's promoters initiated a process in 2024 to sell their stake, culminating in an open offer to public shareholders announced on July 25, 2024, for up to 26% of voting share capital, alongside receipt of a no-objection certificate from the Reserve Bank of India for the stake transfer. Paragon Finance has been gradually reducing disbursements in its vehicle financing operations with intentions to discontinue them, leading to a decline in assets under management as of March 2024. Financial results for the quarter ended September 30, 2025, showed standalone net sales of Rs 1.51 crore, up 42.9% year-over-year, though the company reported challenges with declining revenues in prior quarters amid the strategic shift.