Paragon Finance Limited (531255) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Paragon Finance Limited ₹26.42, price ₹54.70, upside -51.7%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 25, 2026.
How to read this chart
60‑month range ₹15.00 – ₹94.87 · fair‑value band ₹17.44 – ₹33.03 · the ₹54.70 price screens above the ₹26.42 fair value. Dashed = 300-day average. As of Sep 25, 2026.
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Paragon Finance Limited, a non-banking financial company, finances heavy commercial vehicles in the eastern region of India. It also invests in shares and securities. The company was formerly known as Paragon Finance and Plywood Industries Ltd and changed its name to Paragon Finance Limited in August 1993.
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Paragon Finance Limited, a non-banking financial company, finances heavy commercial vehicles in the eastern region of India. It also invests in shares and securities. The company was formerly known as Paragon Finance and Plywood Industries Ltd and changed its name to Paragon Finance Limited in August 1993. Paragon Finance Limited was founded in 1986 and is based in Kolkata, India.
Stock analysis
Paragon Finance Limited (531255) currently trades at ₹54.70, while our model-based Fair Value estimate is ₹26.42, 51.7% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: ₹17.44 (bear) to ₹33.03 (bull), the price of ₹54.70 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Paragon Finance Limited reported revenue of ₹13.2M in FY2026 versus ₹23.5M in FY2022, a compound −13.5%/yr. Reported net income was −₹11.1M in FY2026.
Key figures
Market cap ₹52.7M (≈ $547K) · P/E ratio 3.8 · P/S ratio 1.24 · EPS (TTM) ₹3.43 · Net margin −84.5% · Return on assets (EBIT) −0.2% · Operating margin 41.0% · Revenue growth (YoY) −7.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial peers we cover trades at 10% fair-value upside, at −52%, 531255 screens richer than that median.
Fair Value models
Bear ₹17.44Fair Value ₹26.42Bull ₹33.03
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹1.75 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.13/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−40.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−8.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−10.0%
Start year 2021 (pandemic). Over 10 years: −10.2% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.5%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−23.6% (2021) → −89.8% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare Paragon Finance Limited with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside−51.7% · Bottom 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)34.2% · Above median
Operating margin (TTM)41.0% · Above median
Growth and dividend
Revenue growth−7.5% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.05× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)3.8× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 53
FUTURE (revenue growth)0· sector 48
PAST (return on equity)0· sector 32
HEALTH (low debt)98· sector 59
DIVIDEND (yield)0· sector 65
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Paragon Finance Limited (531255) overvalued or undervalued?
As of Sep 25, 2026, our model estimates a fair value of ₹26.42 versus a price of ₹54.70, about −52% upside (overvalued).
What is the fair value of 531255?
Our model-based fair value for Paragon Finance Limited is ₹26.42 (as of Sep 25, 2026), built from audited fundamentals. The current price: ₹54.70.
What is the quality score of 531255?
Paragon Finance Limited has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Paragon Finance Limited (531255)?
Our model-based price target is the fair value of ₹26.42 (as of Sep 25, 2026) from 1 valuation models. Cautious scenario ₹17.44, optimistic scenario ₹33.03. It is a calculation from audited fundamentals, not an analyst target.
What is the Paragon Finance Limited stock forecast for 2026?
Our models put fair value at ₹26.42, about −52% upside versus a price of ₹54.70 (overvalued). Cautious scenario ₹17.44, optimistic scenario ₹33.03. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Paragon Finance Limited (531255)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Paragon Finance Limited it is ₹26.42 per share (as of Sep 25, 2026), against a price of ₹54.70. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Paragon Finance Limited stock overvalued or undervalued in 2026?
As of Sep 25, 2026, 531255 trades above its calculated fair value: price ₹54.70, fair value ₹26.42, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 531255?
No. The price is what the market pays today (₹54.70); the fair value is what the company's own numbers justify (₹26.42). For Paragon Finance Limited the two are ₹28.28 per share apart. That gap is exactly why we show both numbers side by side.
How much is Paragon Finance Limited worth?
The market values Paragon Finance Limited at about ₹52.7M (market capitalisation, as of Sep 25, 2026). Per share that is ₹54.70; our models calculate a fair value of ₹26.42 per share.
What do the bullish and bearish scenarios say about 531255?
Our models span a range for Paragon Finance Limited: cautious scenario ₹17.44, base ₹26.42, optimistic ₹33.03 per share (as of Sep 25, 2026, price ₹54.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 531255?
Paragon Finance Limited trades at a price-to-earnings ratio of 3.8 (as of Sep 25, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹26.42 is built from several models across several years.
How solid is the balance sheet of Paragon Finance Limited (531255)?
Balance-sheet figures for Paragon Finance Limited (as of Sep 25, 2026): debt of 0.05 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 531255 from its 52-week high?
Paragon Finance Limited trades at ₹54.70, about 6% below its 52-week high of ₹58.00 and 36% above the low of ₹40.16 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹26.42 is for.
Which stocks are comparable to Paragon Finance Limited?
From the same area (Financial) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Paragon Finance Limited stock attractive at the current price?
The data as of Sep 25, 2026: price ₹54.70, calculated fair value ₹26.42 (−52%), Quality Score 46/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 531255 calculated?
We run Paragon Finance Limited through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹26.42, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Paragon Finance Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Paragon Finance Limited (531255)?
The closing price on Oct 1, 2026 was ₹54.70. Our model-based fair value is ₹26.42, about −52% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Paragon Finance Limited right now?
The price sits above even our optimistic bull case (₹33.03). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹17.44 to ₹33.03) leaves room in how you read the outcome.
Key figures of Paragon Finance Limited
How large is the market capitalisation of Paragon Finance Limited (531255)?
The market capitalisation of Paragon Finance Limited is ₹52.7M (≈ $547K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Paragon Finance Limited (531255)?
The price-to-sales ratio of Paragon Finance Limited is 1.24 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Paragon Finance Limited (531255)?
Earnings per share at Paragon Finance Limited are ₹3.43 (price ÷ EPS = P/E 3.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Paragon Finance Limited (531255)?
The net margin of Paragon Finance Limited is −84.5% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Paragon Finance Limited (531255)?
On an EBIT basis the return on assets of Paragon Finance Limited is −0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Paragon Finance Limited (531255)?
The operating margin of Paragon Finance Limited is 41.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Paragon Finance Limited (531255)?
Revenue at Paragon Finance Limited is growing −7.5% versus a year earlier (3y avg −8.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Paragon Finance Limited (531255)?
Earnings per share at Paragon Finance Limited are growing −25.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Paragon Finance Limited (531255) generate?
The free cash flow of Paragon Finance Limited is −₹27.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Paragon Finance Limited (531255) carry?
The net debt of Paragon Finance Limited is ₹3.5M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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