Financials Paragon Finance Limited

Equities

PARAGONF6

INE015E01012

Consumer Lending

Market Closed - Bombay S.E. 06:00:54 2024-05-31 EDT 5-day change 1st Jan Change
50.25 INR -.--% Intraday chart for Paragon Finance Limited -2.05% +4.02%

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 64.81 51.08 48.45 75.44 66.09 126.2
Enterprise Value (EV) 1 75.39 49.75 41.18 14.4 22.75 6.271
P/E ratio 3.13 x 1.85 x 3.07 x 25.4 x 9.73 x -95.8 x
Yield - - - - - -
Capitalization / Revenue 1.45 x 0.94 x 1.12 x 2.82 x 2.41 x 6.27 x
EV / Revenue 1.69 x 0.92 x 0.95 x 0.54 x 0.83 x 0.31 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.29 x 0.2 x 0.2 x 0.29 x 0.24 x 0.47 x
Nbr of stocks (in thousands) 4,250 4,250 4,250 4,250 4,250 4,250
Reference price 2 15.25 12.02 11.40 17.75 15.55 29.70
Announcement Date 11/21/18 12/24/19 9/5/20 9/4/21 7/28/22 9/4/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 44.72 54.11 43.19 26.77 27.46 20.14
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 25.93 34.81 19.81 3.602 8.873 -0.964
Net income 1 20.73 27.61 15.76 2.966 6.794 -1.306
Net margin 46.35% 51.02% 36.5% 11.08% 24.74% -6.48%
EPS 2 4.878 6.496 3.709 0.6979 1.599 -0.3100
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 11/21/18 12/24/19 9/5/20 9/4/21 7/28/22 9/4/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 10.6 - - - - -
Net Cash position 1 - 1.33 7.27 61 43.3 120
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.8% 11.7% 6.44% 1.17% 2.57% -0.49%
ROA (Net income/ Total Assets) 7.66% 10.8% 5.93% 1.1% 2.48% -0.46%
Assets 1 270.6 254.6 265.7 270.5 273.6 282.8
Book Value Per Share 2 52.20 58.70 58.20 61.00 63.60 62.80
Cash Flow per Share 2 1.590 3.630 3.540 13.50 4.270 1.050
Capex 1 2.21 0.07 0.08 1.02 3.53 1.23
Capex / Sales 4.94% 0.13% 0.18% 3.8% 12.87% 6.1%
Announcement Date 11/21/18 12/24/19 9/5/20 9/4/21 7/28/22 9/4/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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