WEBSITE BSE:539113 NSE: PML Inc. Year: 1984 Industry: Finance - Investment My Bucket: Add Stock
Last updated: 15:44
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Paul Merchants Ltd is a prominent financial services company specializing in foreign exchange, money transfer, and travel solutions. With a strong presence in the market, the company has established itself as a leading player in the industry. It offers a wide range of services, including currency exchange, international money transfers, prepaid travel cards, and travel insurance. With a customer-centric approach and a commitment to excellence, Paul Merchants Ltd has earned a reputation for reliability and efficiency. Through its extensive netwo...Read More
Paul Merchants Ltd is a prominent financial services company specializing in foreign exchange, money transfer, and travel solutions. With a strong presence in the market, the company has established itself as a leading player in the industry. It offers a wide range of services, including currency exchange, international money transfers, prepaid travel cards, and travel insurance. With a customer-centric approach and a commitment to excellence, Paul Merchants Ltd has earned a reputation for reliability and efficiency. Through its extensive network of branches and strategic partnerships, the company facilitates seamless cross-border transactions, catering to the diverse needs of individuals and businesses alike. Their dedication to innovation and customer satisfaction sets them apart as a trusted name in the financial services domain. ...Read Less
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Market Cap ₹172 Cr.
Stock P/E -14
P/B 0.2
Current Price ₹556.5
Book Value ₹ 2975.5
Face Value 10
52W High ₹823
Dividend Yield 0%
52W Low ₹ 407
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1840 | 2092 | 854 | 1016 | 986 | 750 | 582 | 493 | 593 | 505 |
| Other Income | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 4 | 13 | 16 |
| Total Income | 1841 | 2093 | 855 | 1017 | 987 | 751 | 583 | 497 | 606 | 520 |
| Total Expenditure | 1810 | 2058 | 860 | 1016 | 987 | 753 | 585 | 497 | 601 | 508 |
| Operating Profit | 31 | 36 | -5 | 0 | -0 | -2 | -2 | -0 | 5 | 12 |
| Interest | 10 | 11 | 1 | 0 | 1 | 0 | 1 | 1 | 0 | 0 |
| Depreciation | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| Exceptional Income / Expenses | -0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | 0 | -0 |
| Profit Before Tax | 19 | 23 | -7 | -1 | -2 | -5 | -4 | -2 | 4 | 11 |
| Provision for Tax | 5 | 6 | -0 | 1 | 1 | -0 | -0 | 1 | 5 | 3 |
| Profit After Tax | 15 | 17 | -7 | -1 | -2 | -5 | -4 | -3 | -1 | 8 |
| Adjustments | 0 | -0 | 16 | 15 | 19 | 22 | 20 | 290 | -6 | -22 |
| Profit After Adjustments | 15 | 17 | 9 | 13 | 16 | 18 | 17 | 287 | -7 | -14 |
| Adjusted Earnings Per Share | 47.1 | 55.4 | 30.3 | 43.2 | 52.2 | 57.5 | 54.1 | 932.1 | -21.4 | -46.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 2165 | 2466 | 2891 | 4547 | 4917 | 5401 | 3035 | 5365 | 7011 | 6503 | 3335 | 2173 |
| Other Income | 3 | 5 | 12 | 208 | 13 | 5 | 8 | 4 | 4 | 5 | 3 | 34 |
| Total Income | 2169 | 2471 | 2903 | 4754 | 4930 | 5406 | 3043 | 5369 | 7015 | 6509 | 3338 | 2206 |
| Total Expenditure | 2138 | 2433 | 2881 | 4529 | 4901 | 5363 | 2991 | 5300 | 6931 | 6497 | 3342 | 2191 |
| Operating Profit | 31 | 38 | 21 | 225 | 29 | 43 | 52 | 69 | 84 | 12 | -4 | 15 |
| Interest | 4 | 3 | 2 | 2 | 1 | 2 | 5 | 11 | 20 | 2 | 2 | 2 |
| Depreciation | 3 | 3 | 3 | 4 | 3 | 3 | 3 | 3 | 4 | 3 | 4 | 5 |
| Exceptional Income / Expenses | -1 | 0 | -0 | 0 | 0 | -1 | 0 | -1 | -0 | -0 | -1 | 0 |
| Profit Before Tax | 24 | 31 | 16 | 220 | 24 | 36 | 44 | 54 | 60 | 6 | -11 | 9 |
| Provision for Tax | 8 | 11 | 4 | 6 | 2 | 9 | 10 | 14 | 16 | 8 | 1 | 9 |
| Profit After Tax | 15 | 20 | 13 | 214 | 22 | 27 | 34 | 40 | 44 | -2 | -12 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 | 0 | 56 | 76 | 282 |
| Profit After Adjustments | 15 | 20 | 13 | 214 | 22 | 26 | 33 | 40 | 44 | 55 | 64 | 283 |
| Adjusted Earnings Per Share | 49.5 | 66 | 41.6 | 692.6 | 71.6 | 85.5 | 108.5 | 130.3 | 142.7 | 177.1 | 207 | 918.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -49% | -15% | -9% | 4% |
| Operating Profit CAGR | -133% | NAN% | NAN% | NAN% |
| PAT CAGR | 0% | NAN% | NAN% | NAN% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -25% | 10% | 8% | -7% |
| ROE Average | -2% | 2% | 5% | 15% |
| ROCE Average | -1% | 4% | 7% | 17% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 118 | 139 | 149 | 351 | 367 | 393 | 427 | 467 | 511 | 565 | 629 |
| Minority's Interest | 0 | 0 | 0 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 10 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 99 | 147 | 8 |
| Other Non-Current Liabilities | -1 | -1 | 2 | 1 | -2 | -1 | -0 | 0 | 1 | 1 | 1 |
| Total Current Liabilities | 69 | 73 | 75 | 107 | 36 | 60 | 106 | 180 | 277 | 440 | 50 |
| Total Liabilities | 197 | 217 | 227 | 472 | 402 | 453 | 533 | 647 | 887 | 1153 | 1588 |
| Fixed Assets | 40 | 54 | 50 | 76 | 76 | 64 | 63 | 63 | 67 | 72 | 62 |
| Other Non-Current Assets | 20 | 4 | 4 | 10 | 19 | 1 | 1 | 1 | 2 | 1 | 1 |
| Total Current Assets | 137 | 159 | 172 | 386 | 307 | 388 | 469 | 582 | 819 | 1081 | 87 |
| Total Assets | 197 | 217 | 227 | 472 | 402 | 453 | 533 | 647 | 887 | 1153 | 1588 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 51 | 47 | 49 | 64 | 30 | 12 | 16 | 11 | 21 | 22 | 25 |
| Cash Flow from Operating Activities | 108 | 21 | 18 | -276 | 13 | -83 | -69 | -38 | -154 | -135 | 448 |
| Cash Flow from Investing Activities | -22 | -16 | 1 | 241 | -25 | 73 | 23 | 6 | 0 | -5 | 17 |
| Cash Flow from Financing Activities | -76 | -2 | -5 | 2 | -6 | 13 | 42 | 41 | 155 | 143 | -471 |
| Net Cash Inflow / Outflow | 11 | 2 | 14 | -34 | -18 | 4 | -4 | 9 | 2 | 3 | -6 |
| Closing Cash & Cash Equivalent | 61 | 49 | 64 | 30 | 12 | 16 | 11 | 21 | 22 | 25 | 19 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 49.54 | 66.04 | 41.57 | 692.57 | 71.59 | 85.52 | 108.46 | 130.26 | 142.71 | 177.13 | 206.99 |
| CEPS(Rs) | 59.19 | 75.43 | 50.6 | 703.67 | 82.63 | 96.95 | 119.57 | 140.88 | 155.41 | 5.33 | -27.5 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 383.67 | 449.71 | 484.07 | 1139.42 | 1191.32 | 1275.09 | 1383.81 | 1513.92 | 1656.18 | 1832.69 | 2039.17 |
| Core EBITDA Margin(%) | 1.26 | 1.32 | 0.33 | 0.39 | 0.32 | 0.7 | 1.46 | 1.21 | 1.15 | 0.1 | -0.22 |
| EBIT Margin(%) | 1.25 | 1.41 | 0.63 | 4.88 | 0.51 | 0.71 | 1.62 | 1.21 | 1.14 | 0.12 | -0.27 |
| Pre Tax Margin(%) | 1.09 | 1.28 | 0.57 | 4.83 | 0.49 | 0.67 | 1.46 | 1.01 | 0.85 | 0.09 | -0.33 |
| PAT Margin (%) | 0.71 | 0.83 | 0.44 | 4.7 | 0.45 | 0.49 | 1.12 | 0.75 | 0.63 | -0.03 | -0.37 |
| Cash Profit Margin (%) | 0.84 | 0.94 | 0.54 | 4.77 | 0.52 | 0.55 | 1.21 | 0.81 | 0.68 | 0.03 | -0.25 |
| ROA(%) | 7.77 | 9.85 | 5.73 | 61.12 | 5.03 | 6.24 | 6.87 | 6.81 | 5.73 | -0.17 | -0.9 |
| ROE(%) | 12.91 | 15.85 | 8.82 | 85.29 | 6.12 | 7.01 | 8.26 | 8.99 | 9 | -0.33 | -2.06 |
| ROCE(%) | 19.49 | 23.04 | 11.04 | 82.1 | 6.64 | 9.51 | 10.52 | 11.78 | 11.27 | 0.87 | -1.06 |
| Receivable days | 8.32 | 6.83 | 4.89 | 2.02 | 0.72 | 0.27 | 0.4 | 0.17 | 0.2 | 0.29 | 0.63 |
| Inventory Days | 0.49 | 0.46 | 0.53 | 0.4 | 0.35 | 0.43 | 0.84 | 0.4 | 0.47 | 0.77 | 1.48 |
| Payable days | 6.66 | 5.21 | 3.57 | 1.42 | 0.46 | 0.29 | 0.31 | 0.06 | 0.09 | 0.28 | 0.52 |
| PER(x) | 0 | 14.77 | 26.95 | 2.39 | 9.25 | 3.12 | 3.37 | 2.87 | 2.6 | 5.08 | 3.54 |
| Price/Book(x) | 0 | 2.17 | 2.31 | 1.45 | 0.56 | 0.21 | 0.26 | 0.25 | 0.22 | 0.49 | 0.36 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0.25 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | -0.02 | 0.1 | 0.09 | 0.09 | 0.04 | 0.02 | 0.06 | 0.04 | 0.06 | 0.11 | 0.06 |
| EV/Core EBITDA(x) | -1.33 | 6.58 | 12.64 | 1.84 | 7.27 | 2.29 | 3.41 | 3.24 | 4.69 | 61.67 | -52.3 |
| Net Sales Growth(%) | 0 | 13.87 | 17.24 | 57.26 | 8.15 | 9.85 | -43.81 | 76.77 | 30.68 | -7.24 | -48.72 |
| EBIT Growth(%) | 0 | 28.21 | -47.62 | 1118.23 | -88.66 | 53.19 | 27.27 | 32.77 | 22.58 | -89.83 | -211.97 |
| PAT Growth(%) | 0 | 33.3 | -37.64 | 1581 | -89.7 | 21.3 | 27.04 | 18.58 | 9.5 | -103.99 | -600.62 |
| EPS Growth(%) | 0 | 33.3 | -37.05 | 1566 | -89.66 | 19.45 | 26.83 | 20.1 | 9.56 | 24.12 | 16.86 |
| Debt/Equity(x) | 0.18 | 0.17 | 0.12 | 0.06 | 0.05 | 0.08 | 0.19 | 0.28 | 0.6 | 0.87 | 0.04 |
| Current Ratio(x) | 2 | 2.19 | 2.29 | 3.62 | 8.44 | 6.43 | 4.41 | 3.24 | 2.96 | 2.46 | 1.76 |
| Quick Ratio(x) | 1.95 | 2.15 | 2.22 | 3.57 | 8.31 | 6.3 | 4.35 | 3.21 | 2.91 | 2.42 | 1.52 |
| Interest Cover(x) | 7.65 | 10.51 | 10.23 | 110.28 | 21.21 | 15.66 | 10.21 | 5.83 | 3.96 | 3.72 | -4.65 |
| Total Debt/Mcap(x) | 0 | 0.08 | 0.05 | 0.04 | 0.08 | 0.4 | 0.7 | 1.14 | 2.69 | 1.78 | 0.1 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 | 74.65 |
| FII | 0 | 0 | 0 | 0.22 | 0.22 | 0.16 | 0.16 | 0.16 | 0.16 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 25.35 | 25.35 | 25.35 | 25.12 | 25.12 | 25.18 | 25.18 | 25.18 | 25.18 | 25.35 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 | 0.23 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 | 0.31 |
* The pros and cons are machine generated.
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