Paul Merchants Ltd

Paul Merchants Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Paul Merchants Ltd

₹ 944 1.18%
22 Nov - close price
paulmerchants.net BSE: 539113
About

Incorporated in 1991, Paul Merchants Ltd is in money exchange and remittances business

Key Points

Registrations:[1]
Corporate Head office of company is in Chandigarh. Company holds licenses issued by Reserve Bank of India to act as Authorized Dealer Category II and is a prominent Sub-Agent of EBIX Money Express (P) Ltd for providing inbound International Money Transfer services. Further PML is an IATA accredited Travel Agency. Company is ISO 9001:2015 certified by United Registrar of Systems

Website BSE
  • Market Cap ₹ 291 Cr.
  • Current Price ₹ 944
  • High / Low ₹ 1,480 / 747
  • Stock P/E 18.6
  • Book Value ₹ 1,561
  • Dividend Yield 0.00 %
  • ROCE 7.67 %
  • ROE 5.63 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.60 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 5.50% over last 3 years.
  • Contingent liabilities of Rs.575 Cr.
  • Earnings include an other income of Rs.25.8 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
1,232.02 1,539.16 1,376.09 1,808.46 1,735.59 1,687.54 1,668.17 1,801.56 1,799.03 2,046.03 853.51 1,015.83 985.41
1,229.62 1,535.32 1,373.71 1,803.91 1,730.67 1,683.10 1,666.30 1,796.03 1,795.32 2,042.67 856.43 1,016.09 985.66
Operating Profit 2.40 3.84 2.38 4.55 4.92 4.44 1.87 5.53 3.71 3.36 -2.92 -0.26 -0.25
OPM % 0.19% 0.25% 0.17% 0.25% 0.28% 0.26% 0.11% 0.31% 0.21% 0.16% -0.34% -0.03% -0.03%
4.13 4.66 5.91 3.55 5.20 5.92 7.27 6.49 7.35 8.16 7.90 4.72 5.00
Interest 0.09 0.10 0.16 0.19 0.29 0.26 0.30 0.46 0.45 0.39 0.41 0.37 0.30
Depreciation 0.46 0.48 0.48 0.40 0.42 0.44 0.45 0.41 0.67 0.76 0.88 0.73 0.78
Profit before tax 5.98 7.92 7.65 7.51 9.41 9.66 8.39 11.15 9.94 10.37 3.69 3.36 3.67
Tax % 23.91% 24.62% 25.36% 23.30% 24.12% 31.16% 23.24% 27.09% 23.84% 26.33% 24.12% 25.30% 25.89%
4.55 5.97 5.71 5.75 7.14 6.65 6.44 8.13 7.56 7.63 2.80 2.50 2.72
EPS in Rs 14.68 19.26 18.42 18.55 23.03 21.45 20.77 26.23 24.39 24.74 9.08 8.11 8.82
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
1,613 2,003 2,165 2,465 2,894 4,542 4,910 5,370 2,982 5,299 6,921 6,529 4,901
1,584 1,976 2,136 2,431 2,881 4,525 4,893 5,350 2,965 5,271 6,884 6,490 4,901
Operating Profit 29 28 29 34 12 17 16 20 17 28 37 38 -0
OPM % 2% 1% 1% 1% 0% 0% 0% 0% 1% 1% 1% 1% -0%
2 2 2 3 9 207 2 -0 2 1 1 1 26
Interest 3 3 4 3 2 1 0 0 0 0 1 2 1
Depreciation 2 2 3 3 3 3 3 3 2 2 2 3 3
Profit before tax 26 25 24 32 16 219 14 17 16 27 35 35 21
Tax % 33% 34% 34% 35% 23% 3% -5% 28% 21% 26% 26% 26%
17 16 16 20 13 213 15 12 13 20 26 26 16
EPS in Rs 55.23 53.16 51.16 65.87 40.97 687.39 48.55 38.39 40.90 65.77 83.81 84.70 50.75
Dividend Payout % 1% 0% 0% 0% 0% 0% 0% 2% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 13%
5 Years: 6%
3 Years: 30%
TTM: -30%
Compounded Profit Growth
10 Years: 5%
5 Years: 12%
3 Years: 28%
TTM: -46%
Stock Price CAGR
10 Years: %
5 Years: 21%
3 Years: 20%
1 Year: -4%
Return on Equity
10 Years: 12%
5 Years: 5%
3 Years: 6%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 1 1 1 1 1 1 1 1 1 1 1 3 3
Reserves 86 102 118 138 151 364 379 390 403 424 449 473 478
23 93 21 24 18 17 0 1 5 10 20 14 9
70 58 55 52 60 85 17 22 18 37 56 53 41
Total Liabilities 180 254 195 216 230 467 397 414 427 471 526 543 531
18 21 40 50 50 75 75 62 59 58 57 61 60
CWIP 0 0 2 1 1 0 0 0 0 0 0 0 0
Investments 5 6 4 9 11 190 259 223 203 196 190 237 244
157 227 150 155 167 201 63 129 165 217 279 245 226
Total Assets 180 254 195 216 230 467 397 414 427 471 526 543 531

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-4 -54 108 23 19 -213 94 5 -5 22 20 -14
-2 -6 -22 -18 1 176 -95 -8 4 -22 -25 17
4 66 -76 -2 -6 -2 -18 -0 4 4 9 -8
Net Cash Flow -3 6 11 2 14 -38 -19 -3 3 5 3 -5

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 19 25 8 6 4 1 0 0 0 0 0 0
Inventory Days 1 0 1 1 1 0 0 0 1 0 0 0
Days Payable 12 7 7 5 3 1 0 0 0 0 0 0
Cash Conversion Cycle 8 18 2 2 2 1 0 0 1 0 0 0
Working Capital Days 9 18 3 3 2 0 3 7 17 11 11 10
ROCE % 30% 18% 17% 23% 11% 80% 4% 5% 4% 7% 8% 8%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
72.71% 72.71% 72.71% 72.71% 72.71% 72.71% 74.66% 74.66% 74.66% 74.66% 74.66% 74.66%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.22%
27.29% 27.29% 27.29% 27.29% 27.29% 27.30% 25.35% 25.35% 25.35% 25.35% 25.36% 25.12%
No. of Shareholders 1,7691,8992,0262,3672,5282,4842,4172,7583,4153,9504,1284,273

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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