Poonawalla Fincorp Ltd.

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poonawallafincorp.comBSE: 524000NSE: POONAWALLA

Market Cap₹ 39,555 Cr.

Current Price

High / Low₹ 570 / 361

Stock P/E50.3

Book Value₹ 147

Price to Book2.93

Dividend Yield0.00 %

ROCE7.5 %

ROE5.9 %

Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2018 • Finance and mortgages: 99.2% • Others: 0.5% • General insurance: 0.4%

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

Asset quality is healthy - gross NPA of just 0.0%
Comfortable capital adequacy - CAR of 16.8%
Latest quarter profit grew 391.5% YoY, showing strong momentum
Company has delivered good sales growth of 24.0% CAGR over last 5 years
Institutional investors have been accumulating - FII+DII up 4.8pp

CONS

Company has a low return on capital employed of 9.1%
Promoter holding has decreased over last 2 years: -3.1pp
Company has a low return on equity of 9.0% over last 3 years
Free cash flow has been persistently negative
Operating margins have contracted to 52.6% from 72.2%
Thin net interest margin of 0.0%

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

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY SMLCAP 250 NIFTY SMLCAP 50 NIFTY 500 NIFTY TOTAL MKT

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	POONAWALLA	449.20	50.27	39555.46	0.00	307.71	391.55	2330.22	77.77	7.55	58.22

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	686	732	757	909	973	984	1,053	1,163	1,311	1,540	1,817	2,114	2,330
	194	207	178	241	272	1,260	632	615	662	784	855	910	1,926
Operating Profit	499	2,165	584	674	706	-271	425	551	652	759	963	1,206	1,357
OPM %	72.72%	295.74%	77.25%	74.08%	72.59%	-27.51%	40.38%	47.39%	49.70%	49.28%	53.00%	57.02%	58.22%
Other Income	14	7	11	7	18	8	0	7	0	0	0	5	7
Interest	230	216	224	281	320	352	385	458	546	638	739	844	922
Depreciation	15	15	15	14	15	16	15	20	22	22	24	26	30
	267	1,125	357	385	390	-630	25	80	83	99	200	341	411
Tax %	25.17%	24.01%	25.68%	13.95%	25.15%	25.29%	25.62%	22.30%	24.98%	24.97%	24.97%	25.30%	25.18%
Net Profit	0	0	0	0	292	-471	19	62	63	74	150	255	308
	3	11	3	4	4	-6	0	1	1	1	2	3	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	2,513	2,291	2,457	2,513	2,319	1,540	1,939	3,109	4,190	6,790	7,801
	1,344	873	1,027	1,122	1,950	1,135	1,047	1,356	2,778	3,219	4,474
Operating Profit	1,169	1,418	1,430	1,391	369	405	891	1,753	1,412	3,572	3,327
OPM %	46.51%	61.89%	58.21%	55.36%	15.91%	26.29%	45.97%	56.39%	33.69%	52.60%	42.64%
	58	38	184	60	34	542	517	1,390	33	13	12
Interest	1,131	1,117	1,122	1,294	1,100	509	595	950	1,515	2,767	3,142
Depreciation	49	49	50	75	56	49	61	59	65	94	102
Profit before Tax	47	291	442	82	-749	391	751	2,134	-135	724	1,051
Tax %	72.79%	18.55%	31.28%	66.92%	25.35%	23.68%	24.13%	22.62%	27.37%	25.12%	25.16%
Net Profit	13	237	304	27	-559	298	570	1,652	-98	542	787
EPS	0.86	9.97	11.31	1.00	-20.74	5.17	8.86	21.84	-1.27	6.71	—
Dividend Payout %	92.78%	8.00%	7.09%	0.00%	0.00%	8.16%	22.46%	9.16%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 10%
5 Years:: 24%
3 Years:: 52%

COMPOUNDED PROFIT GROWTH

10 Years:: 10%
5 Years:: —
3 Years:: -7%

STOCK PRICE CAGR

10 Years:: 17%
5 Years:: 20%
3 Years:: 6%
1 Year:: 2%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 9%
3 Years:: 9%
Last Year:: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	47	47	54	54	54	153	154	154	155	162
Minority Interest	34	0	0	0	0	2	12	0	0	0
	2,122	1,921	2,678	2,681	2,123	5,880	6,589	7,949	7,889	10,007
	8,610	12,258	13,347	12,032	10,433	9,909	11,120	15,222	26,070	48,406
Trade Payables	219	322	370	25	94	15	2	1	4	5
	2,569	107	203	354	214	286	5,297	597	622	1,619
Total Liabilities	13,602	14,656	16,652	15,146	12,918	16,246	23,173	23,923	34,739	60,199
	278	207	199	242	196	214	221	194	244	420
Capital Work in Progress	8	0	3	0	0	0	0	0	0	0
	546	140	141	151	177	0	510	878	1,256	2,490
	0	0	0	0	0	0	0	22	18	38
Cash & Bank	353	407	957	708	775	597	657	268	32	294
	12,417	13,902	15,352	14,045	11,770	15,434	21,784	22,560	33,188	56,956
Total Assets	13,602	14,656	16,652	15,146	12,918	16,246	23,173	23,923	34,739	60,199

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	493	-881	987	1,649	-2,822	-5,009	-7,556	-10,569	-21,786
Cash from Investing	-36	-98	-281	81	-33	-283	2,969	-482	-1,340
Cash from Financing	-387	1,491	-1,083	-1,574	2,903	5,748	4,331	10,821	23,387
	-33	469	-365	152	-3	401	-256	-231	261

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	62.09	61.87	62.36	62.53	62.46	63.96	63.95	63.93	59.02
	7.85	7.73	8.19	9.99	10.76	10.56	10.61	10.21	10.96
	6.77	9.63	10.85	10.15	11.30	11.36	11.30	11.22	15.89
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	23.28	20.77	18.61	17.33	15.47	14.12	14.13	14.66	14.13

Documents

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

2026-09-10

Issue of Securities

2026-09-10 - Poonawalla Fincorp Limited has informed the Exchange about issue of Securities

2026-09-09

Credit Rating

2026-09-09 - Poonawalla Fincorp Limited has informed the Exchange about Credit Rating

2026-09-03

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - Poonawalla Fincorp Limited has informed the Exchange about Schedule of meet

2026-09-02

ESOP/ESOS/ESPS

2026-09-02 - Poonawalla Fincorp Limited has informed the Exchange regarding Grant of 1105000 Options.

2026-08-28

ESOP/ESOS/ESPS

2026-08-28 - Poonawalla Fincorp Limited has informed the Exchange regarding Grant of 1086000 Options.

2026-08-27

Copy of Newspaper Publication

2026-08-27 - Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-22

ESOP/ESOS/ESPS

2026-08-22 - Poonawalla Fincorp Limited has informed the Exchange regarding Allotment of 63468 Shares.

2026-08-21

Allotment of Securities

2026-08-21 - Poonawalla Fincorp Limited has informed the Exchange regarding allotment of 15000 securities pursuant to Non Convertible Securities at its meeting held on August 21, 2026

2026-08-18

Issue of Securities

2026-08-18 - Poonawalla Fincorp Limited has informed the Exchange about issue of Securities

News

Recent coverage and analyst commentary for POONAWALLA

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