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PARAGON FINANCE LTD. (PARAGONF) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of PARAGON FINANCE LTD. ₹26.42, price ₹54.70, upside -51.7%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · IN · ISIN INE015E01012

PF Thin data Oct 3, 2026

PARAGON FINANCE LTD.

PARAGONF · BSE

Weakest SetupStrongly overvalued and low quality.

Highly profitable · 24.9% net margin (TTM)
Low debt
Quality 41/100
Mixed vs. peers (5/11)
Moderate moat 53/100
Fair value ₹26.42 · Strongly overvalued (−51.7%)
Weak Growth (revenue 5y −13.9 %/yr in INR)
Negative free cash flow
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹94.87 ₹15.00 Fair Value ₹26.42 Mar 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 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. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

Paragon Finance Limited, a non-banking financial company, provides loans for automobiles in India. The company also invests in shares and securities. In addition, it is involved in the real estate development business. 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, provides loans for automobiles in India. The company also invests in shares and securities. In addition, it is involved in the real estate development business. 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 incorporated in 1986 and is based in Kolkata, India.

Stock analysis

PARAGON FINANCE LTD. (PARAGONF) 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 41/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

PARAGON FINANCE LTD. reported revenue of ₹13.2M in FY2026 versus ₹23.0M in FY2022, a compound −13.0%/yr. Reported net income was −₹11.1M in FY2026.

Key figures

Market cap ₹232M (≈ $2.4M) · P/E ratio 27.2 · P/S ratio 6.74 · EPS (TTM) ₹2.01 · Net margin −84.5% · Return on equity −3.8% · Return on assets (EBIT) −0.1% · Operating margin 92.8%.

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 Services peers we cover trades at 10% fair-value upside, at −52%, PARAGONF screens richer than that median.

Fair Value models

Bear ₹17.44 Fair Value ₹26.42 Bull ₹33.03
Price ₹54.70 · Upside -51.7%
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 (₹1.03 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.
Highest evidence
NCAV (Graham) ₹33.68 ₹45.13 ₹67.36 54
All 1 models by family
Asset-Based
NCAV (Graham) ₹33.68 ₹45.13 ₹67.36 54

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Quality Score breakdown

Overall quality 41/100

Of which business quality 41 · Market factors (momentum, volatility) 56

Profitability 2
Margins and returns on capital today
Quality Growth 23
Are margins and returns improving?
Cashflow 29
Earnings quality: real cash, not paper profit
Fin. Strength 69
Balance sheet, leverage, solvency risk
Investment 55
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 55
Price trend over the last 3–12 months (market factor)
52W Momentum 64
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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
−12.4%
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.
−4.5%
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.
−13.9%
Start year 2021 (pandemic)
Revenue growth 7 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.
−18.6%
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.
31.1% (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
not computed

PARAGONF screens overvalued: fair value 52% below the price. Compare with Visa Inc →

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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 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −51.7% · Bottom 25%
Profitability
Return on assets −3.4% · Bottom 25%
Net margin (TTM) 24.9% · Above median
Operating margin (TTM) 92.8% · Top 25%
Growth and dividend
Revenue growth 95.0% · Top 25%
Balance sheet
Debt / equity 0.05× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 27.2× · Priciest 25%
P/B 0.81× · Cheaper than median
P/S (TTM) 6.74× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 53
FUTURE (revenue growth)100 · sector 52
PAST (return on equity)0 · sector 32
HEALTH (low debt)98 · sector 57
DIVIDEND (yield)0 · sector 64

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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PARAGON FINANCE LTD. · Fair Value
₹26.42 −52%Fair Value
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Cite: Fair Value Calculator (2026). "PARAGON FINANCE LTD. Fair Value". https://www.fairvalue-calculator.com/stock/PARAGONF

Frequently asked questions

Is PARAGON FINANCE LTD. (PARAGONF) overvalued or undervalued?
As of Oct 3, 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 PARAGONF?
Our model-based fair value for PARAGON FINANCE LTD. is ₹26.42 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹54.70.
What is the quality score of PARAGONF?
PARAGON FINANCE LTD. has a Quality Score of 41/100. 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 LTD. (PARAGONF)?
Our model-based price target is the fair value of ₹26.42 (as of Oct 3, 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 LTD. 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 revenue of PARAGON FINANCE LTD. (PARAGONF)?
PARAGON FINANCE LTD. reported trailing-twelve-month revenue of about ₹34.5M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of PARAGON FINANCE LTD. (PARAGONF)?
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 LTD. it is ₹26.42 per share (as of Oct 3, 2026), against a price of ₹54.70. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is PARAGON FINANCE LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, PARAGONF 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 PARAGONF?
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 LTD. 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 LTD. worth?
The market values PARAGON FINANCE LTD. at about ₹232M (market capitalisation, as of Oct 3, 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 PARAGONF?
Our models span a range for PARAGON FINANCE LTD.: cautious scenario ₹17.44, base ₹26.42, optimistic ₹33.03 per share (as of Oct 3, 2026, price ₹54.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PARAGONF?
PARAGON FINANCE LTD. trades at a price-to-earnings ratio of 27.2 (as of Oct 3, 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. Other multiples: P/B 0.8, P/S 6.7.
How solid is the balance sheet of PARAGON FINANCE LTD. (PARAGONF)?
Balance-sheet figures for PARAGON FINANCE LTD. (as of Oct 3, 2026): return on equity −3.8%, debt of 0.05 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is PARAGONF from its 52-week high?
PARAGON FINANCE LTD. 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 LTD.?
From the same area (Financial Services) 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 LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹54.70, calculated fair value ₹26.42 (−52%), Quality Score 41/100, 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 PARAGONF calculated?
We run PARAGON FINANCE LTD. 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 14.9 % above its aggregate fair value. PARAGON FINANCE LTD. 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 LTD. (PARAGONF)?
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 LTD. right now?
The price sits above even our optimistic bull case (₹33.03). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹17.44 to ₹33.03) leaves room in how you read the outcome.

Key figures of PARAGON FINANCE LTD.

How large is the market capitalisation of PARAGON FINANCE LTD. (PARAGONF)?
The market capitalisation of PARAGON FINANCE LTD. is ₹232M (≈ $2.4M). 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 LTD. (PARAGONF)?
The price-to-sales ratio of PARAGON FINANCE LTD. is 6.74 (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 LTD. (PARAGONF)?
Earnings per share at PARAGON FINANCE LTD. are ₹2.01 (price ÷ EPS = P/E 27.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of PARAGON FINANCE LTD. (PARAGONF)?
The net margin of PARAGON FINANCE LTD. 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 return on equity of PARAGON FINANCE LTD. (PARAGONF)?
The return on equity (ROE) of PARAGON FINANCE LTD. is −3.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of PARAGON FINANCE LTD. (PARAGONF)?
On an EBIT basis the return on assets of PARAGON FINANCE LTD. is −0.1% (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 LTD. (PARAGONF)?
The operating margin of PARAGON FINANCE LTD. is 92.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PARAGON FINANCE LTD. (PARAGONF)?
Revenue at PARAGON FINANCE LTD. is growing +95.0% versus a year earlier (3y avg −4.5%). 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 LTD. (PARAGONF)?
Earnings per share at PARAGON FINANCE LTD. are growing +141% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PARAGON FINANCE LTD. (PARAGONF) generate?
The free cash flow of PARAGON FINANCE LTD. 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 LTD. (PARAGONF) carry?
The net debt of PARAGON FINANCE LTD. 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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