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Piramal Finance Ltd.

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piramalfinance.comBSE: 544597NSE: PIRAMALFIN
Market Cap₹ 54,701 Cr.
Current Price
High / Low₹ 2,326 / 1,260
Stock P/E31.9
Book Value₹ 1,305
Price to Book1.47
Dividend Yield0.48 %
ROCE7.7 %
ROE5.6 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2018 • Loans: 99.3% • Asset Management: 0.6% • Others: 0.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Promoters have been increasing their shareholding - up 6.9pp over 2 years
  • Comfortable capital adequacy - CAR of 19.8%
  • Solid return on assets for a lender - ROA of 1.5%
  • Latest quarter profit grew 67.1% YoY, showing strong momentum
  • Operating margins have improved to 50.5% from 15.6%

CONS

  • Net NPA is elevated at 1.6% - provisioning cushion is thin
  • A large part of profit comes from other income (148.0% of PBT)
  • Company has a low return on equity of -1.5% over last 3 years
  • Company has a low return on capital employed of 5.3%
  • Free cash flow has been persistently negative
  • Recurring exceptional / one-off items are inflating headline profit

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJHFL82.93663.4069100.050.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2311.6532.4254700.640.48460.98—3368.2733.527.7464.47
3.HUDCO175.458.2535123.343.45851.1135.053717.1727.108.4197.08
4.LICHSGFIN556.605.3430616.511.801499.039.907082.59-1.168.5997.06
5.PNBHOUSING1142.9012.8829807.280.70557.344.472263.449.029.4191.52
6.AADHARHFC471.7018.1220670.210.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP150.050.0017474.180.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS258.2013.1312931.441.74260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1202.8021.6312576.410.431598.511244.525380.111086.0511.1377.98
10.CANFINHOME787.559.2810486.591.90267.8219.631096.157.439.1491.29
11.AAVAS1292.9520.8910252.360.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR667.5514.487287.461.50137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021Jun 2021Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
20,34520,0072,2392,3252,4512,6582,7242,8974,3613,410
18,26615,5389041,3441,5232,4259029631,9413,050
Operating Profit2,7955,1381,4501,4651,3381,7571,7781,9502,8022,125
OPM %13.74%25.68%64.75%63.02%54.58%66.09%65.28%67.31%64.25%62.33%
Other Income260786511964927564061
Interest5124801,2821,3401,3941,4681,5461,6261,6551,710
Depreciation204188555254551435664455
2,3394,47619912486282198324543421
Tax %58.64%29.75%13.69%44.03%25.50%6.70%-40.59%-22.06%-11.04%-4.47%
Net Profit9683,1441716964263278396603440
31083311217272

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
8,85210,85012,8849,3228,7716,1216,5926,66410,30813,15713,392
8661,5745,01422,65528,6211,9298,0036,3886,5776,5186,857
Operating Profit7,9869,2767,870-13,333-19,8504,192-1,4112753,7306,6396,535
OPM %90.22%85.50%61.08%-143.02%-226.32%68.48%-21.41%4.13%36.19%50.46%48.80%
2,06317440989032-77-7,816-142,4501,913103
Interest6,6547,7229,3935,7252183,3493,4833,6555,2246,3076,537
Depreciation23285179815295155211898897
Profit before Tax3,3721,701-1,165-18,248-20,117714-12,806-3,5497451,3471,486
Tax %14.10%27.10%11.07%25.40%25.18%26.36%42.02%46.14%22.98%-14.31%-15.51%
Net Profit2,8961,240-1,036-13,612-15,051526-7,425-1,9115741,5401,717
EPS95.4439.37-33.02-433.76-479.610.25-3.48-0.820.0067.93—
Dividend Payout %4.32%13.91%-7.57%0.00%0.00%0.00%0.00%0.00%—16.19%—

COMPOUNDED SALES GROWTH

10 Years:
6%
5 Years:
8%
3 Years:
26%

COMPOUNDED PROFIT GROWTH

10 Years:
8%
5 Years:
—
3 Years:
—

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
—

RETURN ON EQUITY

10 Years:
-102%
5 Years:
4%
3 Years:
-1%
Last Year:
6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2015

Sep 9

1:1

Bonus issue

2015

Sep 16

1:1

Dewan Housing Finance Corporation Ltd has informed BSE regarding "Allotment of Bonus equity shares to the Members of the Company (in the ratio of 1:1)".

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital31331431431431421,36521,36523,365045
7,6758,8887,745-5,877-20,978895-6,465-8,36026,89028,290
78,22692,03296,95890,41289,85151,87744,25148,77964,89779,096
Trade Payables1910410212176520290353410398
6,0654,878914-4,184-9,1055,0468824798534,540
Total Liabilities92,2981,06,2161,06,03280,78660,15779,70260,32464,61593,0521,12,369
20985086592087710,820679873830639
Capital Work in Progress546000000000
13,5358,0862,3613,8818,44913,91413,1758,64713,06410,494
0000000000
Cash & Bank3,4302,8433,0327,71910,3235,1591,9291,9514,9883,974
74,57894,43799,77568,26640,50849,80944,54153,14474,16997,262
Total Assets92,2981,06,2161,06,03280,78660,15779,70260,32464,61593,0521,12,369

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1,0173,7892164,4748,1509,1026,159-6,342-7,678-15,799
Cash from Investing-10,4426,0916,135575-4,526-325-24-68-1,7722,623
Cash from Financing26,04211,1731,937-7,5630-8,390-9,2466,42811,26012,194
-146-872-6635,5892,609-30-2,703181,809-982

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Nov 2025Dec 2025Mar 2026Jun 2026
39.2139.2139.2139.2139.2146.1646.1646.1646.16
2.892.472.471.920.2515.1015.5714.6315.45
3.453.453.453.453.4514.4616.2618.8018.63
Government0.000.000.000.000.000.000.000.000.00
54.4554.8754.8755.4257.0924.2722.0120.4019.76

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Issue of Securities

2026-09-08 - Outcome of meeting of Committee of Directors (Administration, Authorisation & Finance) for issuance of NCDs on private placement basis

2026-09-07
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-07 - Intimation of Schedule of Analyst/Investor Meeting under SEBI Listing Regulations - Branch Visit

2026-09-04
Updates

2026-09-04 - Piramal Finance Limited has informed the Exchange regarding 'Outcome of meeting of Committee of Directors (Administration, Authorization and Finance) held today i.e. Friday, 4th September 2026'.

2026-09-01
Updates

2026-09-01 - Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited) has informed the Exchange regarding intimation of meeting of Committee of Directors (Administration, Authorization and Finance) to be held on Friday, 4th September 2026 inter alia, to consider and approve a proposal for partial redemption at the option of the debenture holders of secured, rated, listed, redeemable non-convertible debentures issued by the Company in accordance with the terms of the private placement memorandum

2026-08-31
Press Release

2026-08-31 - Piramal Finance Limited has informed the Exchange regarding a press release dated August 31, 2026, titled "Piramal Finance announces Rs. 3,850 crore Capital Raise, Backed by Strong QIP Participation and Promoter Warrants.".

2026-08-28
Allotment of Securities

2026-08-28 - Piramal Finance Limited has informed the Exchange regarding Allotment of 99,52,606 equity Shares of face value of Rs. 2 each to Qualified Institutional Buyers at an issue price of Rs. 2,110 per Equity Share.

2026-08-28
Copy of Newspaper Publication

2026-08-28 - Piramal Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-28
Qualified Institutional Placement

2026-08-28 - Piramal Finance Limited has informed the Exchange about QIP Issue closure and approval of Placement Document.

2026-08-26
Shareholders meeting

2026-08-26 - Piramal Finance Limited has informed the Exchange regarding Notice of Extraordinary General Meeting to be held on September 19, 2026

News

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