Poonawalla Fincorp Ltd.

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poonawallafincorp.comBSE: 524000NSE: POONAWALLA

Market Cap₹ 39,137 Cr.

Current Price

High / Low₹ 570 / 361

Stock P/E49.7

Book Value₹ 147

Price to Book2.94

Dividend Yield0.00 %

ROCE7.6 %

ROE6.0 %

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 29.7% 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 9.8%
Promoter holding has decreased over last 2 years: -3.1pp
Free cash flow has been persistently negative
Operating margins have contracted to 52.6% from 72.3%
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 TOTAL MKT NIFTY SMLCAP 50 NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	POONAWALLA	444.45	49.73	39137.19	0.00	307.71	391.55	2330.22	77.77	7.55	58.22

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	691	731	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	504	2,974	584	674	706	-271	425	551	652	759	963	1,206	1,357
OPM %	72.92%	406.54%	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	235	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
	268	1,529	357	385	390	-630	25	80	83	99	200	341	411
Tax %	25.17%	17.65%	25.68%	13.95%	25.15%	25.29%	25.62%	22.30%	24.98%	24.97%	24.97%	25.30%	25.18%
Net Profit	200	1,259	265	332	292	-471	19	62	63	74	150	255	308
	3	16	3	4	4	-6	0	1	1	1	2	3	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,978	2,064	2,233	2,178	1,849	1,536	1,940	3,114	4,190	6,790	7,801
	1,025	802	935	1,006	1,723	1,135	1,047	1,356	2,778	3,219	4,474
Operating Profit	952	1,262	1,298	1,171	126	401	893	1,758	1,412	3,572	3,327
OPM %	48.16%	61.13%	58.12%	53.79%	6.81%	26.11%	46.02%	56.46%	33.69%	52.60%	42.64%
	49	37	173	59	28	542	530	1,795	33	13	12
Interest	943	1,013	1,018	1,124	875	509	595	955	1,515	2,767	3,142
Depreciation	48	49	50	72	52	49	61	59	65	94	102
Profit before Tax	11	237	403	34	-773	385	767	2,539	-135	724	1,051
Tax %	43.06%	15.13%	31.71%	129.29%	25.15%	23.76%	23.69%	19.01%	27.37%	25.12%	25.16%
Net Profit	6	201	275	-10	-578	293	585	2,056	-98	542	787
EPS	0.26	8.47	10.24	-0.37	-21.46	4.04	7.57	26.68	-1.27	6.71	—
Dividend Payout %	312.01%	9.42%	7.83%	0.00%	0.00%	10.44%	26.26%	7.50%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 12%
5 Years:: 30%
3 Years:: 52%

COMPOUNDED PROFIT GROWTH

10 Years:: 11%
5 Years:: —
3 Years:: -3%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 10%
3 Years:: 11%
Last Year:: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	1,988	1,760	2,491	2,452	1,877	5,542	6,165	7,899	7,838	9,957
	7,281	11,157	11,783	10,023	7,915	6,726	11,120	15,222	26,070	48,406
Trade Payables	210	319	365	20	85	13	2	1	4	5
	1,873	40	151	303	114	173	535	597	622	1,619
Total Liabilities	11,400	13,323	14,844	12,851	10,044	12,606	17,976	23,873	34,688	60,148
	211	191	184	221	171	174	207	194	244	420
Capital Work in Progress	5	0	3	0	0	0	0	0	0	0
	580	306	302	402	429	820	510	878	1,256	2,490
	0	0	0	0	0	0	0	22	18	38
Cash & Bank	272	398	933	648	612	537	657	268	32	294
	10,330	12,428	13,423	11,579	8,831	11,075	16,601	22,509	33,138	56,905
Total Assets	11,400	13,323	14,844	12,851	10,044	12,606	17,976	23,873	34,688	60,148

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,492	300	-551	1,638	2,079	-1,624	-3,867	-6,986	-10,569	-21,786
Cash from Investing	-180	-36	-77	-241	93	-525	-177	2,993	-482	-1,340
Cash from Financing	-2,301	-209	1,135	-1,782	-2,120	2,244	4,344	3,647	10,821	23,387
	-75	-34	475	-363	60	70	266	-346	-231	261

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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

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