Poonawalla Fincorp logo

Poonawalla Fincorp

POONAWALLA NSE

Key Fundamentals

MidcapNBFCFinancial Services
Market Cap
₹39,388 Cr
P/E (TTM)
47.69
EBITDA
₹3,584 Cr
Return on Equity
5.24%
Debt to Equity
4.02
Book Value
₹146.07
EPS (TTM)
₹9.38
52W High
₹544.80
52W Low
₹361.20

Price-based figures as of 9 Oct 2026, 3:57 pm IST · EPS basis: Consolidated · TTM

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

6
  • Stock is trading at 3.55 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -4.91%
  • Company has a low return on equity of 5.94% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 3.05% of profits over last 3 years

Growth Rate

Revenue Growth
60.93% higher than 3Y
Net Income Growth
-651% lower than 3Y
Cash Flow Change
-106% higher than 3Y
EBITDA Margin (Avg.)
54.19% higher than 3Y

AI Analysis — Bull vs Bear

Figures as of 6 Oct 2026
AI opinion · based on fundamentals
Risk high

As of the 2026-10-06 close, Poonawalla Fincorp traded at ₹460.45, giving it a market cap of ₹40,546.11 crore, a TTM P/E of 49.09 and a P/B of 3.15. That puts it about 15.5% below its 52-week high of ₹545 and about 27.5% above its 52-week low of ₹361.2. Revenue has grown fast: up 72% TTM and at a 46% 3-year CAGR. Profitability has not kept pace, with ROE at 5.24% and a 3-year profit CAGR of only 5%. Valuation multiples are high relative to current returns on equity.

Bull Case 7
  • Top-line growth is strong. Compounded sales growth is 72% on a TTM basis and 46% over 3 years, which points to rapid loan book expansion.
  • TTM compounded profit growth of 340% shows a sharp recovery in earnings. If it holds, it could narrow the gap between the company's growth and its profitability.
  • Over 5 years, sales and profit have both compounded at 24%, and the stock has returned a 22% CAGR. That is a multi-year record of growth.
  • At ₹460.45, the stock is about 15.5% below its 52-week high of ₹545. Some of the recent pessimism may already be priced in.
  • The company is flagged as expected to report a good quarter. Continued earnings momentum would lower the effective TTM P/E of 49.09 as EPS (currently ₹9.38) rises.
  • A market cap of ₹40,546.11 crore makes it one of the larger listed NBFCs. That scale typically supports access to funding and borrowing costs.
  • Some screener flags were built for non-financial companies, such as low interest coverage and possible capitalisation of interest. They are less meaningful for a lending NBFC, where interest is the main operating cost.
Bear Case 8
  • A TTM P/E of 49.09 is an earnings yield of only about 2.0%. That is a high multiple for a lender with an ROE of 5.24%.
  • A P/B of 3.15 against an ROE of 5.24% is a large mismatch. The market is pricing in a substantial improvement in returns that has not yet shown up. ROE has averaged about 6% over 3 and 5 years and 5% over 10 years.
  • Profit has grown at a 5% CAGR over 3 years while sales grew at 46%. This suggests that credit costs, operating expenses or margin pressure have absorbed most of the revenue growth.
  • The 340% TTM profit growth likely comes from a depressed base. That makes it hard to extrapolate, and it may not reflect sustainable earnings power.
  • Promoter holding fell 4.91% over the last quarter. Investors watch changes in promoter stake closely.
  • The stock is down 15% over 1 year and has returned only a 5% CAGR over 3 years, far behind its 46% 3-year sales CAGR.
  • Shareholder payouts are small: a dividend yield of 0.44% and a 3-year average payout ratio of 3.05% of profits.
  • Screener data flags low interest coverage and possible capitalisation of interest cost. These need checking against the company's disclosures, and debt-to-equity data is not available (null) here to assess leverage.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

1d ago
Neutral 2
  • ₹850 crore NCD allotment Sep 16

    Poonawalla Fincorp allotted ₹100 crore of Series E1 NCDs at an 8.09% coupon and ₹750 crore of Series F1 NCDs at 8.31%, for ₹850 crore in total. The debentures are secured by a first-ranking charge on hypothecated assets and mature between February 2029 and September 2029.

  • Q2FY27 earnings call Oct 9 Sep 30

    The company will hold its Q2FY27 earnings call on October 9, 2026 at 5:00 pm IST, after the board meeting on results. International dial-in is available for HK, Singapore, UK and USA, and the transcript will be posted on the company website afterward.

TL;DR: Recent news on Poonawalla Fincorp is all routine, with no clear positives or headwinds. The ₹850 crore secured NCD raise at 8.09-8.31% shows the company can still borrow from debt markets at mid-8% rates, which supports loan book growth. No new risks were disclosed, but these coupons point to a borrowing cost the market will weigh against loan yields. The Q2FY27 results and call on October 9 will matter most for direction, especially AUM growth, net interest margins and asset quality trends.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
693
739
763
915
978
989
1,057
1,166
1,314
1,542
1,818
2,115
2,330
Expenses
194
207
178
241
272
1,260
632
615
662
784
855
910
974
Financing Profit
269
316
361
393
386
-622
40
93
105
121
224
362
435
Fin. Margin %
39%
43%
47%
43%
39%
-63%
4%
8%
8%
8%
12%
17%
19%
Other Income
40
829
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
PBT
293
1,130
357
385
390
-630
25
80
83
99
200
341
411
Tax %
23%
24%
26%
14%
25%
-25%
26%
22%
25%
25%
25%
25%
25%
Net Profit
226
860
265
332
292
-471
19
62
63
74
150
255
308
EPS in Rs
2.94
11.19
3.45
4.28
3.76
-6.06
0.24
0.8
0.8
0.91
1.85
3.13
3.49
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
2,534
2,656
2,524
2,290
2,457
2,513
2,319
1,540
2,177
5,418
4,190
6,790
7,806
Expenses
1,068
1,147
1,341
872
880
1,112
1,950
623
838
880
2,778
3,210
3,522
Financing Profit
233
318
52
301
454
107
-731
408
744
3,588
-103
814
1,142
Fin. Margin %
9%
12%
2%
13%
18%
4%
-32%
26%
34%
66%
-2%
12%
15%
Other Income
25
28
43
39
38
49
39
109
184
-1,363
33
4
12
Interest
1,233
1,192
1,131
1,117
1,122
1,294
1,100
509
595
950
1,515
2,767
3,142
Depreciation
35
39
48
49
50
75
56
49
61
59
65
94
102
PBT
223
306
47
291
442
82
-749
468
866
2,166
-135
724
1,051
Tax %
16%
30%
73%
19%
31%
67%
-25%
20%
21%
22%
-27%
25%
—
Net Profit
187
213
13
237
304
27
-559
375
685
1,683
-98
542
787
EPS in Rs
9.49
8.93
0.86
9.99
11.29
1
-20.73
4.9
8.91
21.73
-1.26
6.67
9.38
Div. Payout %
8%
9%
93%
8%
7%
0%
0%
8%
22%
9%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
38
47
47
47
54
54
54
153
154
154
155
162
Reserves
1,617
2,104
2,125
1,925
2,690
2,694
2,140
5,903
6,708
8,013
8,020
10,187
Borrowing
11,756
11,859
10,075
12,127
13,133
12,047
10,475
9,973
11,209
15,216
26,081
48,436
Other Liabilities
1,472
1,515
1,375
796
912
445
543
413
5,150
704
774
1,488
Total Liabilities
14,882
15,525
13,622
14,894
16,789
15,240
13,212
16,443
23,221
24,087
35,030
60,272
Fixed Assets
212
265
278
207
199
242
196
214
222
194
244
420
CWIP
9
13
8
1
4
7
0
0
5
0
10
7
Investments
414
400
546
140
141
151
177
0
311
878
1,342
2,490
Other Assets
14,248
14,846
12,790
14,546
16,445
14,841
12,839
16,228
22,684
23,014
33,434
57,354
Total Assets
14,882
15,525
13,622
14,894
16,789
15,240
13,212
16,443
23,221
24,087
35,030
60,272
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-305
733
2,949
390
-923
998
1,644
-2,873
-5,237
-7,556
-10,569
-21,786
Investing
-36
-254
-186
-36
-98
-281
81
-33
-110
2,725
-482
-1,340
Financing
171
-498
-2,844
-387
1,490
-1,083
-1,574
2,903
5,748
4,331
10,821
23,387
Net Cash Flow
-169
-20
-81
-33
469
-365
152
-3
401
-501
-231
261
Free Cash Flow
-305
733
2,949
371
-969
949
1,633
-2,912
-5,305
-7,548
-10,597
-21,887
CFO/OP
-21
49
249
35
-56
71
447
-308
-387
-152
-749
-607
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
11%
11%
1%
11%
13%
1%
-23%
6%
7%
14%
-1%
6%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Poonawalla Fincorp insights

59 extracted metrics + investor summaries across FY08–FY27.

Log in — free

Shareholding Pattern

Others4.18%Promot.59.02%Public9.11%FIIs10.96%DIIs16.74%As ofJun 2026

Documents

Frequently Asked Questions about Poonawalla Fincorp

What does Poonawalla Fincorp Ltd do?
Poonawalla Fincorp Limited (erstwhile Magma Fincorp Limited) is a non-deposit taking NBFC registered with RBI. It is engaged in providing consumer and MSME financing, as well as General Insurance services. [1][2]
Where is Poonawalla Fincorp Ltd (POONAWALLA) listed?
Poonawalla Fincorp Ltd trades as POONAWALLA on the NSE and under code 524000 on the BSE.
Which sector does Poonawalla Fincorp Ltd belong to?
Poonawalla Fincorp Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd has a market capitalisation of ₹39,388 Cr as of 9 Oct 2026, which places it in the Large Cap band.
What is the PE ratio of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd trades at a PE ratio of 47.69 as of 9 Oct 2026, on earnings per share of ₹9.38, against a book value of ₹146.07 per share.
What is the 52-week high and low of Poonawalla Fincorp Ltd?
Over the last 52 weeks Poonawalla Fincorp Ltd has traded between ₹361.2 and ₹544.8 as of 9 Oct 2026.
Does Poonawalla Fincorp Ltd pay dividends?
Poonawalla Fincorp Ltd has a dividend yield of 0.46%.
What is the Return on Equity (ROE) of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd reported a return on equity of 5.24%. Its debt-to-equity ratio is 4.02.

Company Information

Poonawalla Fincorp Limited (erstwhile Magma Fincorp Limited) is a non-deposit taking NBFC registered with RBI. It is engaged in providing consumer and MSME financing, as well as General Insurance services. [1][2]

Website poonawallafincorp.com
CEO Mr. Arvind Kapil
Employees 3,594
Listed 2004-04-27
Face Value ₹ 2
Shares Outstanding 88,05,75,662

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/POONAWALLA.md for Poonawalla Fincorp Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our MCP server.

Explore More

More in Financial Services → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List