Paragon Finance Intrinsic Value
PARAGONF Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹24.00 | ₹19.20 - ₹28.80 | -51.7% | EPS: ₹2.00, Sector P/E: 12x |
| Book Value Method | asset | ₹60.00 | ₹54.00 - ₹66.00 | +20.7% | Book Value/Share: ₹75.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹14.92 | ₹13.43 - ₹16.41 | -70.0% | Revenue/Share: ₹10.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹19.89 | ₹17.90 - ₹21.88 | -60.0% | EBITDA: ₹2.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.21 | ₹18.57 - ₹27.85 | -53.3% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹14.92 | ₹13.43 - ₹16.41 | -70.0% | EPS Growth: 7.7%, Fair P/E: 6.2x |
| Growth Adjusted P/E | growth | ₹16.60 | ₹14.94 - ₹18.26 | -66.6% | Revenue Growth: 7.5%, Adj P/E: 8.3x |
| Graham Defensive Method | conservative | ₹58.09 | ₹52.28 - ₹63.90 | +16.8% | EPS: ₹2.00, BVPS: ₹75.00 |
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Valuation Comparison Chart
PARAGONF Intrinsic Value Analysis
What is the intrinsic value of PARAGONF?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Paragon Finance (PARAGONF) is ₹23.21 (median value). With the current market price of ₹49.73, this represents a -53.3% variance from our estimated fair value.
The valuation range spans from ₹14.92 to ₹60.00, indicating ₹14.92 - ₹60.00.
Is PARAGONF undervalued or overvalued?
Based on our multi-method analysis, Paragon Finance (PARAGONF) appears to be trading above calculated value by approximately 53.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 4.00 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.07 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 3.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -21.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Paragon Finance
Additional stock information and data for PARAGONF
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |
| March 2024 | ₹-5 Cr | ₹-5 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹5 Cr | ₹2 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹2 Cr | ₹-1 Cr | Positive Operating Cash Flow | 6/10 |
| March 2021 | ₹5 Cr | ₹5 Cr | Positive Free Cash Flow | 8/10 |