Paragon Finance Limited (PARAGONF) Fair Value & Analysis
Financial Services · IN · Market cap ₹196M
Fair value as of: Jul 5, 2026
From 1 valuation models · updated today
Share price −7.9% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹40.16 – ₹60.64 · fair‑value band ₹17.44 – ₹33.03 · the ₹46.05 price screens above the ₹26.42 fair value. As of Jul 5, 2026.
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Paragon Finance Limited (PARAGONF) currently trades at ₹46.05, while our model-based Fair Value estimate is ₹26.42 — implying the stock looks roughly 42.6% overvalued today. We read business quality at 42/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).
Over the trailing twelve months, Paragon Finance Limited generated revenue of ₹13.5M at a net margin of -82.5%. Revenue grew 41.2% year over year. It earns a return on equity of -3.8%. Net debt stands at ₹3.5M. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹17.44 (bear case) to ₹33.03 (bull case); at ₹46.05, the current price sits above that range. The share trades about 28% below its 52-week high and 24% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -21% fair-value upside — at -43%, PARAGONF screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Paragon Finance Limited 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.
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| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$383.77 | R$149.53 | -61% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.75 | ₹467.63 | +8% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.