Poonawalla Fincorp Ltd logo

Poonawalla Fincorp Ltd

POONAWALLA NSE

Key Fundamentals

MidcapNBFCFinancial Services
Market Cap
₹41,915 Cr
Volatility
Moderate
P/E Ratio
50.43
EBITDA
₹3,584 Cr
Return on Equity
5.24%
Debt to Equity
4.02
Book Value
₹146.07
EPS
₹15.74
52W High
₹570.4
52W Low
₹361.2

Insights

Beta

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

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31 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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

Technical Indicators

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

6
  • Stock is trading at 3.73 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% ↗
Net Income Growth
-651.17% ↘
Cash Flow Change
-106.12% ↘
ROE
-536.67% ↘
ROCE
17.61% ↗
EBITDA Margin (Avg.)
54.19% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk high

Poonawalla Fincorp trades at a market cap of ₹43,720 crore with a PE of 55.1x and PB of 3.37x. The company delivered 72% TTM revenue growth and 43% YoY AUM growth to ₹35,631 crore in FY25, but Q4 FY25 net profit fell 81% YoY to ₹62.3 crore due to elevated credit costs (3.03% of AUM) and one-time expenses, while ROE remains modest at approximately 6%.

Bull Case 8
  • AUM grew 43% YoY to ₹35,631 crore as of March 2025, significantly outpacing the NBFC sector average, indicating strong execution on growth
  • TTM compounded sales growth of 72% demonstrates rapid revenue scale-up, with 3-year sales CAGR at 46%
  • Promoter infused ₹1,500 crore via preferential allotment in September 2025, raising stake from 62.43% to 63.97% and BVPS from ₹105.4 to ₹119.6 — a strong confidence signal
  • Capital adequacy ratio at 22.94% with Tier 1 at 21.67% provides ample headroom for continued AUM expansion without near-term dilution concerns
  • Active product diversification into gold loans, commercial vehicle loans, education loans, consumer durables, and shopkeeper loans opens multiple growth verticals
  • NII for FY25 grew 23% YoY to ₹2,708 crore, reflecting improving earning asset yields
  • Q4 FY25 disbursements of ₹9,378 crore were up 31% QoQ, showing continued demand traction across segments
  • Stock CAGR of 21% over 5 years and 17% over 10 years reflects sustained long-term compounding for shareholders
Bear Case 8
  • Q4 FY25 net profit plunged 81% YoY to ₹62.3 crore due to elevated provisioning and one-time expenses, signaling earnings volatility
  • Credit cost spiked to 3.03% of AUM in Q4 FY25 with GNPA at 1.84% and NNPA at 0.85%, raising asset quality concerns as the book seasons
  • PE of 55.1x and PB of 3.87x are expensive relative to NBFC peers, leaving limited margin of safety if growth disappoints
  • 3-year average ROE of just 5.94% is below cost of equity for most investors and well below top-tier NBFC benchmarks of 15-20%
  • RoA compressed to 0.76% in Q4 FY25 driven by elevated opex at 4.6% of AUM, questioning operating leverage in the near term
  • Low interest coverage ratio flagged by screeners suggests earnings may be insufficient to comfortably service borrowing costs during stress
  • Dividend payout of only 3.05% of profits over 3 years with 0.41% yield offers negligible income to shareholders
  • Compounded profit CAGR of only 5% over 3 years contrasts sharply with the 46% sales CAGR, indicating top-line growth has not translated into proportional bottom-line growth

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

AI News Digest

Anthropic anthropic claude-opus-4.6 17h ago
Positives 3
  • AUM surges 69% to ₹60,348 Cr Jul 27

    At 46th AGM, AUM rose 69.4% to ₹60,348 crore, PAT stood at ₹542 crore, and NIM improved year-over-year.

  • ₹750 Cr secured NCD raised Aug 12

    Approved ₹750 crore secured NCD issue via private placement with ₹250 Cr base and ₹500 Cr green shoe option.

  • ₹200 Cr Tier II NCD issue Aug 18

    Approved unsecured subordinated NCDs of ₹200 crore (₹150 Cr base + ₹50 Cr green shoe) to bolster capital buffers.

Neutral 3
  • ESOP allotment of 63,468 shares Aug 22

    Allotted 63,468 equity shares under ESOP schemes; paid-up capital now stands at ₹176.12 crore.

  • Investor meet on Aug 19 Aug 7

    Participating in Motilal Oswal 22nd Annual Global Investor Conference on August 19, 2026 in Mumbai.

  • ₹3 Cr perpetual NCD redemption Aug 4

    Exercised call option on ₹3 crore perpetual NCDs issued in 2016, with redemption scheduled for September 9, 2026.

TL;DR: Poonawalla Fincorp is in aggressive growth mode with AUM up 69% YoY to ₹60,348 crore and active debt capital raising totalling nearly ₹950 crore in August alone. No material headwinds are visible in recent news flow. The company is strengthening its balance sheet through diversified funding sources, and the trajectory remains firmly positive heading into H2 FY27.

Quarterly Results

  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

  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

  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

  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

  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%

Shareholding Pattern

As of Jun 2026
Promoters 59.02%
DIIs 16.74%
FIIs 10.96%
Public 9.11%
Others 4.18%
Total 100.01%
  Mar 2021May 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Apr 2026Jun 2026
Promoters
24.39%
73.29%
73.20%
72.52%
68.25%
61.50%
61.49%
61.48%
62.05%
62.14%
62.12%
62.10%
62.07%
62.13%
62.09%
61.87%
62.36%
62.53%
62.46%
63.96%
63.95%
63.93%
59.03%
59.02%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
7.91%
0.00%
7.77%
7.85%
7.72%
8.19%
9.98%
10.76%
10.56%
10.61%
10.21%
11.26%
10.96%
DIIs
12.38%
6.44%
6.26%
6.34%
6.50%
6.21%
5.68%
5.09%
4.48%
6.14%
7.92%
6.97%
5.47%
5.83%
6.79%
10.61%
11.81%
11.12%
12.27%
12.28%
12.23%
12.13%
16.67%
16.74%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
14.83%
5.56%
7.26%
8.53%
13.10%
18.42%
18.42%
18.78%
18.48%
17.42%
15.19%
15.68%
17.60%
17.41%
17.37%
15.02%
13.42%
12.11%
10.64%
9.41%
9.53%
9.64%
8.91%
9.11%
Others
48.40%
14.70%
13.28%
12.60%
12.16%
13.87%
14.41%
14.64%
14.99%
14.31%
14.77%
7.34%
14.86%
6.87%
5.90%
4.77%
4.22%
4.26%
3.88%
3.78%
3.68%
4.10%
4.12%
4.18%
No. of Shareholders
40,160
38,413
49,030
66,317
1,19,034
1,64,805
1,93,021
1,92,283
2,10,852
2,08,419
1,85,803
2,02,705
1,95,334
2,03,244
2,32,421
2,65,650
2,60,656
2,48,870
2,09,209
1,96,598
1,91,508
1,86,863
1,87,448
1,90,484

Documents

Frequently Asked Questions about Poonawalla Fincorp Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: POONAWALLA and BSE: 524000. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Poonawalla Fincorp Ltd belong to?
Poonawalla Fincorp Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd has a market capitalisation of approximately ₹41915.25 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Poonawalla Fincorp Ltd?
The Price-to-Earnings (PE) ratio of Poonawalla Fincorp Ltd is 50.43. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Poonawalla Fincorp Ltd?
Over the past 52 weeks, Poonawalla Fincorp Ltd has traded between a low of ₹361.2 and a high of ₹570.4. This range helps investors understand the stock's price volatility and recent trading levels.
Does Poonawalla Fincorp Ltd pay dividends?
Yes, Poonawalla Fincorp Ltd has a dividend yield of 0.42%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd has a Return on Equity (ROE) of 5.24%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Poonawalla Fincorp Ltd on Tapetide?
On Tapetide, you can view Poonawalla Fincorp Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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
Issued Size 81,26,29,109

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