Paul Merchants Ltd

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

Paul Merchants Ltd

₹ 841 -0.94%
04 Jul 4:01 p.m.
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 ₹ 259 Cr.
  • Current Price ₹ 841
  • High / Low ₹ 1,480 / 568
  • Stock P/E 4.73
  • Book Value ₹ 1,833
  • Dividend Yield 0.00 %
  • ROCE 12.3 %
  • ROE 10.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.46 times its book value
  • Company has delivered good profit growth of 20.3% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 9.46% over last 3 years.
  • Contingent liabilities of Rs.342 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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
1,048.70 1,151.91 1,253.47 1,560.88 1,398.77 1,833.83 1,761.42 1,718.04 1,697.61 1,835.78 1,839.25 2,090.40 901.15
1,033.33 1,138.12 1,236.58 1,543.19 1,381.85 1,813.11 1,741.54 1,694.91 1,679.43 1,808.63 1,809.89 2,057.63 874.71
Operating Profit 15.37 13.79 16.89 17.69 16.92 20.72 19.88 23.13 18.18 27.15 29.36 32.77 26.44
OPM % 1.47% 1.20% 1.35% 1.13% 1.21% 1.13% 1.13% 1.35% 1.07% 1.48% 1.60% 1.57% 2.93%
1.17 0.60 0.81 0.89 0.77 -0.43 0.93 0.76 0.56 1.24 1.53 3.03 -0.08
Interest 2.54 2.07 2.95 2.75 3.39 4.28 4.17 5.10 6.62 8.73 10.15 11.48 12.24
Depreciation 0.80 0.70 0.77 0.88 0.92 0.78 0.91 1.07 1.17 1.20 1.35 1.65 1.84
Profit before tax 13.20 11.62 13.98 14.95 13.38 15.23 15.73 17.72 10.95 18.46 19.39 22.67 12.28
Tax % 28.41% 26.59% 24.32% 24.82% 26.61% 25.48% 23.90% 30.93% 22.92% 25.95% 25.06% 24.61% 23.94%
9.45 8.53 10.58 11.24 9.82 11.36 11.97 12.25 8.43 13.67 14.53 17.09 9.34
EPS in Rs 30.48 27.52 34.13 36.26 31.68 36.65 38.61 39.52 27.19 44.10 46.87 55.42 30.29
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2,165 2,466 2,891 4,553 4,928 5,405 3,041 5,367 7,012 6,667
2,138 2,433 2,881 4,529 4,901 5,363 2,991 5,300 6,929 6,551
Operating Profit 27 32 10 25 27 42 51 68 83 116
OPM % 1% 1% 0% 1% 1% 1% 2% 1% 1% 2%
3 5 11 201 2 -0 1 1 1 6
Interest 4 3 2 2 1 2 5 11 20 43
Depreciation 3 3 3 4 3 3 3 3 4 6
Profit before tax 24 31 16 220 24 36 44 54 60 73
Tax % 35% 35% 23% 3% 8% 26% 23% 26% 26% 25%
15 20 13 214 22 26 33 40 44 55
EPS in Rs 49.29 65.71 41.35 688.58 71.23 85.06 107.90 129.58 141.97 177.14
Dividend Payout % 0% 0% 0% 0% 0% 1% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 6%
3 Years: 30%
TTM: -5%
Compounded Profit Growth
10 Years: %
5 Years: 20%
3 Years: 18%
TTM: 24%
Stock Price CAGR
10 Years: %
5 Years: 12%
3 Years: 10%
1 Year: 38%
Return on Equity
10 Years: %
5 Years: 9%
3 Years: 9%
Last Year: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 1 1 1 1 1 1 1 1 1 3
Reserves 117 138 148 363 366 392 426 466 510 562
21 24 18 22 17 33 80 132 307 493
59 56 60 87 21 29 29 51 72 98
Total Liabilities 198 218 228 473 405 455 535 649 890 1,156
44 54 50 76 76 64 63 63 67 72
CWIP 2 1 1 0 0 0 1 0 1 0
Investments 0 5 9 123 99 55 37 30 24 22
152 158 167 274 231 336 434 555 799 1,063
Total Assets 198 218 228 473 405 455 535 649 890 1,156

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
108 21 18 -276 13 -83 -69 -38 -154 -135
-22 -16 1 241 -25 73 23 6 0 -5
-76 -2 -5 2 -6 13 42 41 155 143
Net Cash Flow 11 2 14 -34 -18 4 -4 9 2 3

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 8 6 4 1 0 0 0 0 0 0
Inventory Days 1 1 1 0 0 1 1 0 1 1
Days Payable 7 5 3 1 0 0 0 0 0 0
Cash Conversion Cycle 2 2 2 1 0 1 1 1 1 1
Working Capital Days 2 3 2 5 13 20 47 33 36 52
ROCE % 23% 11% 80% 6% 10% 10% 12% 11%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
72.71% 72.71% 72.71% 72.71% 72.71% 72.71% 72.71% 72.71% 74.66% 74.66% 74.66% 74.66%
27.29% 27.29% 27.29% 27.29% 27.29% 27.29% 27.29% 27.30% 25.35% 25.35% 25.35% 25.35%
No. of Shareholders 1,6191,7361,7691,8992,0262,3672,5282,4842,4172,7583,4153,950

Documents

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