Paragon Finance (BOM:531255) E10: ₹2.54 (As of Mar. 2026)

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BOM:531255 Paragon Finance Ltd BOM:531255
59 GF Score
Price ₹52.09
GF Value ₹48.04
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Paragon Finance E10?

Paragon Finance BOM:531255 -1.01% 59 E10 is ₹2.54 as of Mar. 2026. GuruFocus rates BOM:531255 with a GF Score™ of 59/100 and a GF Value™ of ₹48.04 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Paragon Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹-11.470. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹2.54 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Paragon Finance's average E10 Growth Rate was -9.90% per year. During the past 3 years, the average E10 Growth Rate was -3.70% per year. During the past 5 years, the average E10 Growth Rate was -3.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Paragon Finance was -1.30% per year. The lowest was -3.70% per year. And the median was -2.90% per year.

As of today (2026-07-31), Paragon Finance's current stock price is ₹52.09. Paragon Finance's E10 for the quarter that ended in Mar. 2026 was ₹2.54. Paragon Finance's Shiller PE Ratio of today is 20.51.

During the past 13 years, the highest Shiller PE Ratio of Paragon Finance was 28.56. The lowest was 3.54. And the median was 13.24.


Paragon Finance  (BOM:531255) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Paragon Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=52.09/2.54
=20.51

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Paragon Finance was 28.56. The lowest was 3.54. And the median was 13.24.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Paragon Finance E10 Related Terms


Paragon Finance E10 Historical Data

* Premium members only.

The historical data trend for Paragon Finance's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Paragon Finance E10 Chart

Paragon Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.08 2.84 2.91 2.82 2.54

Paragon Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.82 3.16 3.12 3.55 2.54

BOM:531255 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Paragon Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Paragon Finance Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Paragon Finance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Paragon Finance's Shiller PE Ratio falls into.


BOM:531255
59GF Score
Paragon Finance Ltd BOM:531255
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paragon Finance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Paragon Finance's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-11.47/164.2724*164.2724
=-11.470

Current CPI (Mar. 2026) = 164.2724.

Paragon Finance Quarterly Data

per share eps CPI Adj_EPS
201606 0.180 105.961 0.279
201609 0.530 105.961 0.822
201612 1.010 105.196 1.577
201703 2.430 105.196 3.795
201706 1.310 107.109 2.009
201709 1.840 109.021 2.772
201712 0.550 109.404 0.826
201803 1.180 109.786 1.766
201806 0.290 111.317 0.428
201809 -0.020 115.142 -0.029
201812 0.490 115.142 0.699
201903 1.850 118.202 2.571
201906 1.080 120.880 1.468
201909 1.040 123.175 1.387
201912 0.920 126.235 1.197
202003 0.670 124.705 0.883
202006 0.800 127.000 1.035
202009 3.100 130.118 3.914
202012 -3.300 130.889 -4.142
202103 0.090 131.771 0.112
202106 0.260 134.084 0.319
202109 0.590 135.847 0.713
202112 0.390 138.161 0.464
202203 0.360 138.822 0.426
202206 -1.140 142.347 -1.316
202209 0.030 144.661 0.034
202212 3.160 145.763 3.561
202303 -2.360 146.865 -2.640
202306 1.590 150.280 1.738
202309 0.530 151.492 0.575
202312 -1.160 152.924 -1.246
202403 1.050 153.035 1.127
202406 2.370 155.789 2.499
202409 1.000 157.882 1.040
202412 -0.710 158.323 -0.737
202503 -1.920 157.552 -2.002
202506 3.290 159.755 3.383
202509 1.320 162.289 1.336
202512 4.240 163.281 4.266
202603 -11.470 164.272 -11.470

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹2.54 mean?
Paragon Finance (BOM:531255) has a E10 of ₹2.54 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Paragon Finance and its competitors.
Is Paragon Finance's E10 too high?
Paragon Finance's current E10 is ₹2.54. Overall, Paragon Finance has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paragon Finance's E10 compare to V and MA?
Paragon Finance's E10 of ₹2.54 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Paragon Finance and its competitors. Paragon Finance's current E10 is ₹2.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paragon Finance stock overvalued right now?
Based on GuruFocus' analysis, Paragon Finance (BOM:531255) is currently considered Fairly Valued. The stock's GF Value™ is ₹48.04, compared to a current price of ₹52.09 — trading 8.4% above its estimated fair value. The current E10 is ₹2.54. Paragon Finance's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Paragon Finance (BOM:531255), the current E10 is ₹2.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Paragon Finance (BOM:531255) Overvalued in 2026?

Based on GuruFocus' analysis, Paragon Finance stock appears to be overvalued. The current stock price of ₹52.09 is trading 8.4% above its estimated GF Value™ of ₹48.04. GuruFocus considers Paragon Finance to be Fairly Valued.

Key valuation signals for BOM:531255:

  • E10: ₹2.54
  • GF Value™: ₹48.04 vs. price of ₹52.09 (8.4% above fair value)
  • GF Score™: 59/100 with 3 warning signs

No single metric tells the full story. See the BOM:531255 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Paragon Finance Business Description

Address 4/1, Middleton Street, 402 Sikkim House, 4th Floor, Kolkata, WB, IND, 700071
Paragon Finance Ltd is engaged in providing various credit services. It provides its services in the areas of automobile finance, shares, and real estate. The company provides loans against the security of vehicles, investments in shares and mutual funds, finance business concerns, individuals, and companies. Geographically, the company operates only in the Indian market.
59GF Score

Get the complete analysis for BOM:531255

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹52.09
Price
₹48.04
GF Value