Paragon Finance Ltd
Ticker: PARAGONF
Risky
48/100
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Investing Reference
Price
48.45
Market Cap
20.59
Debt/Equity
0.0235
ROE %
1.068
PB
0.6825
Promoter %
70.864
Pledge %
0.000
1Y Rev Growth %
-22.865
5Y Rev Growth %
-8.849
NP Margin %
11.429
NP Margin 5Y Avg %
11.852
Trading Reference
1M Return %
-15.463
6M Return %
-7.538
1Y Return %
-32.708
% Away 52W High
50.506
% Away 52W Low
26.832
Daily Volume
307
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 16/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Paragon Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for upward movement. However, if it falls below the support, a downward trend may ensue.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Paragon Finance Ltd is a leading financial services provider in India, dedicated to offering innovative solutions tailored for individuals and businesses alike. With a focus on accessibility and customer satisfaction, Paragon Finance is committed to helping you achieve your financial goals. Whether you're seeking personal loans, business financing, or investment opportunities, Paragon Finance stands as a reliable partner in your financial journey.
- Established leader in financial services
- Tailored solutions for individuals and businesses
- Focus on customer satisfaction and trust
- Innovative financing options
- Commitment to empowering financial growth
Investment Thesis
Paragon Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The company's strategic positioning in the evolving financial landscape enhances its potential for long-term growth.
- Strong promoter group with a proven track record instills investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate Paragon is undervalued compared to industry peers.
- Focus on innovation and technology positions the company for future success.
- Strong fundamentals and growth strategy make it a solid long-term investment.
Opportunity vs Risk
Opportunities
- Strong growth in digital payments
- Expanding customer base in rural areas
- Partnerships with fintech startups
- Innovative product offerings
- Increasing demand for financial services
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in the sector
- Economic downturn affecting consumer spending
- Cybersecurity threats to customer data
- High dependency on technology infrastructure
Peer Perspective
Paragon Finance Ltd trades at a 15% discount to peers like HDFC Ltd and ICICI Bank, primarily due to margin concerns; a stabilization in margins could trigger a rerating and align its valuation with industry standards.
Future Outlook
Paragon Finance Ltd is well-positioned for growth, driven by its innovative strategies and market expansion. However, successful execution and cost control will be crucial to fully realize its potential in a competitive landscape.
AI FAQs for Retail Users
- Q: What does Paragon Finance Ltd do?A: Paragon Finance Ltd provides financial services, including loans and investment options for individuals and businesses.
- Q: Is Paragon Finance Ltd listed on stock exchanges?A: Yes, Paragon Finance Ltd is listed on major Indian stock exchanges.
- Q: What are the risks of investing in Paragon Finance Ltd?A: Investing in Paragon Finance Ltd carries market and business risks typical of financial service companies.
- Q: How can I buy shares of Paragon Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What factors affect the stock price of Paragon Finance Ltd?A: Stock prices can be influenced by market trends, company performance, and economic conditions.
📊 Stock Investment Checklist (100 Points)
Paragon Finance Ltd • Updated: 2025-09-17 06:06:21
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8BusinessHighThe finance sector is evolving with digital transformation, but Paragon lacks a clear competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, with OCF not consistently exceeding net profit.
-
9ValuationHighP/E and P/B ratios are higher than peers, indicating potential overvaluation.
-
7BalanceHighModerate debt levels with reasonable liquidity, but reserves are low.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodLimited growth catalysts identified, with significant execution risks.
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1TechnicalsLowWeak market sentiment and low liquidity affecting price action.
Final Score & Verdict
Score 48 / 100
• Risky
Paragon Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100