Finance
Valuation | |
|---|---|
| Market Cap | 33.32 kCr |
| Price/Earnings (Trailing) | 92.56 |
| Price/Sales (Trailing) | 5.7 |
| EV/EBITDA | 11.33 |
| Price/Free Cashflow | -3.96 |
| MarketCap/EBT | 72.01 |
| Enterprise Value | 33.2 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 2.5% |
| Price Change 1M | -14.4% |
| Price Change 6M | -5.6% |
| Price Change 1Y | 29.3% |
| 3Y Cumulative Return | 12% |
| 5Y Cumulative Return | 47.5% |
| 7Y Cumulative Return | 22.8% |
| 10Y Cumulative Return | 17.9% |
| Revenue (TTM) |
| 5.85 kCr |
| Rev. Growth (Yr) | 72% |
| Earnings (TTM) | 349.35 Cr |
| Earnings Growth (Yr) | 702% |
Profitability | |
|---|---|
| Operating Margin | 8% |
| EBT Margin | 8% |
| Return on Equity | 3.54% |
| Return on Assets | 0.74% |
| Free Cashflow Yield | -25.24% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | -481.91 Cr |
| Cash Flow from Operations (TTM) | -10.57 kCr |
| Cash Flow from Financing (TTM) | 10.82 kCr |
| Cash & Equivalents | 118.05 Cr |
| Free Cash Flow (TTM) | -10.6 kCr |
| Free Cash Flow/Share (TTM) | -136.06 |
Balance Sheet | |
|---|---|
| Total Assets | 46.96 kCr |
| Total Liabilities | 37.09 kCr |
| Shareholder Equity | 9.87 kCr |
| Net PPE | 70.54 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.81 |
| Interest/Cashflow Ops | -5.07 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend Yield | 0.88% |
| Shares Dilution (1Y) | 4.5% |
| Shares Dilution (3Y) | 6.2% |
Growth: Awesome revenue growth! Revenue grew 47.3% over last year and 136.6% in last three years on TTM basis.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: SharesGuru indicator is Bearish.
Growth: Awesome revenue growth! Revenue grew 47.3% over last year and 136.6% in last three years on TTM basis.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: SharesGuru indicator is Bearish.
Investor Care | |
|---|---|
| Dividend Yield | 0.88% |
| Shares Dilution (1Y) | 4.5% |
| Earnings/Share (TTM) | 4.43 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 31.89 |
| RSI (5d) | 68.29 |
| RSI (21d) | 33.78 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Buy |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of POONAWALLA FINCORP's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management's outlook is positive, fueled by robust economic data and strong financial metrics. Key points highlighted include:
Asset Growth: Asset Under Management (AUM) grew by 77.6% year-on-year, reaching Rs.55,017 crores as of December 31, 2025. The quarterly disbursements surged by 84% year-on-year, amounting to a monthly run rate of approximately Rs.950 crores in December.
Cost Efficiency: The cost of borrowing has reduced from 8.04% in Q1 FY26 to 7.65% in Q3 FY26, aided by a significant increase in Non-Convertible Debentures (NCDs) from 7% in March 2025 to around 30-33% by December 2025. The operating expenditure (Opex) to AUM improved to 4.41%, declining by 40 basis points quarter-on-quarter.
Credit Quality: Gross Non-Performing Assets (GNPA) improved to 1.51%, down from 1.59% in the previous quarter. Stage-1 assets constituted 97.4%, showing strong asset quality and efficient risk management.
Returns and Margins: The net interest margin remains healthy at 8.62%, an increase from the previous quarter. Return on Assets (ROA) reached 1.2%, with disbursement yields at approximately 15.5%, reflecting effective risk calibration.
Operational Leverage: The management highlighted that a strong operating backbone, established through previous investments in distribution and technology, is set to support material AUM growth without a proportional increase in costs.
AI Initiatives: Management is leveraging artificial intelligence across various functions, with 30 out of 57 AI projects currently live, aimed at enhancing operational efficiency and customer service.
Future Growth Targets: Management is targeting an AUM growth of 35%-40% in the coming quarters, emphasizing a continued focus on diversifying product offerings that cater to lower risk profiles.
Overall, the management's outlook underlines confidence in maintaining strong growth while improving credit quality and operational efficiency.
Understand POONAWALLA FINCORP ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Rising Sun Holdings Pvt Ltd | 63.95% |
| Kotak Mahindra Trustee Co Ltd A/C Kotak Multicap Fund | 4.17% |
| Life Insurance Corporation Of India | 3.07% |
| Sbi Life Insurance Co. Ltd | 1.56% |
| Amansa Holdings Private Limited | 1.51% |
| Bandhan Value Fund | 1.23% |
| Franklin Templeton Investment Funds - Franklin India Fund |
Detailed comparison of POONAWALLA FINCORP against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 6 LCr | 79.39 kCr | -1.30% | +13.40% | 26.58 | 7.56 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.87 LCr |
Comprehensive comparison against sector averages
POONAWALLA metrics compared to Finance
| Category | POONAWALLA | Finance |
|---|---|---|
| PE | 94.85 | 29.21 |
| PS | 5.84 | 5.72 |
| Growth | 47.3 % | 16.5 % |
POONAWALLA FINCORP is a Non-Banking Financial Company (NBFC) based in Pune, India. With a stock ticker of POONAWALLA, it boasts a market capitalization of Rs. 22,441.2 Crores.
The company specializes in providing a wide range of asset finance services in India, which include:
Poonawalla Fincorp Limited also provides various insurance products.
Originally established in 1978 as Magma Fincorp Limited, the company rebranded to its current name in July 2021. It operates as a subsidiary of Rising Sun Holdings Pvt Ltd.
As of the last 12 months, POONAWALLA FINCORP generated revenue of Rs. 3,971.3 Crores and maintains a dividend yield of 1.15%, distributing Rs. 4 per share to its investors. However, the company has a history of diluting shareholder holdings, having diluted them by 1.7% over the past three years, during which it has experienced significant revenue growth of 89.2%.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
POONAWALLA vs Finance (2021 - 2026)
Question: "Considering that 44% of our book is currently still unsecured, where do we see the PCR (Provision Coverage Ratio) number settling on a steady-state basis?"
Answer: "We see a change in the product mix, and our Stage-1 assets have increased to 97.4% in Q3FY26. The reduction in PCR reflects the shift to lower-risk assets as the Stage-3 book has decreased. A precise steady-state PCR is challenging to predict since it will adapt based on product mix and scale."
Question: "What is the write-off policy on our unsecured products?"
Answer: "For unsecured products, we apply a write-off policy of 180 days past due (DPD). Vehicle secured loans follow 365 DPD, while loan against property tends to be on a case-by-case basis, generally at 730 DPD."
Question: "What products are currently offered at our branches apart from gold loans?"
Answer: "Our branches are primarily focused on being dedicated gold loan branches, although there may be some cross-sell opportunities. The primary strategy remains firmly on gold."
Question: "Can you provide a ballpark target for the contribution of new products to our overall AUM?"
Answer: "We anticipate that these new products will continue to grow and target around 20%-25% of total AUM as we scale. Our focus will remain on ensuring their steady integration into our portfolio."
Question: "With new products showing encouraging growth, how are you approaching credit costs?"
Answer: "We expect to see credit costs decrease as the contribution from lower-risk products like gold loans and education loans grows. Seasoning and strong collections across our portfolio will support this trend."
Question: "What are the current and expected durations of the asset and liability books?"
Answer: "The current duration of our asset book is approximately 2.5 to 3 years. As we scale newer products, this duration might evolve, but we maintain flexibility on both sides to optimize yields."
Question: "What is the likely direction for operating leverage and cost-to-income ratio?"
Answer: "We expect operating leverage to favor our growth strategy moving forward. Our investments have been made strategically, and we anticipate a better cost-to-income ratio as our scale increases."
Question: "Regarding the capital raise, when do you plan to execute it?"
Answer: "We do not have a set timeline, but we will assess the situation based on growth trajectories. We've received the board's approval to raise Rs.5,500 crores, allowing for strategic flexibility."
| 1.14% |
| Bank Muscat India Fund | 1.08% |
| Mayank Poddar | 1.06% |
| Adar Cyrus Poonawalla | 0% |
| Dr. Cyrus S Poonawalla | 0% |
| Mrs. Natasha A Poonawalla | 0% |
| Mast. Cyrus A Poonawalla | 0% |
| Mast. Darius A Poonawalla | 0% |
| Adar Estates LLP | 0% |
| Agnimitra Trading and Finance Private Limited | 0% |
| Andaman Finance and Investment Private Limited | 0% |
| Chakan Investment Private Limited | 0% |
| Custos Trustees Private Limited | 0% |
| Cyrus Poonawalla Foundation | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 47.12 kCr |
| -1.10% |
| +73.60% |
| 20.4 |
| 3.96 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.45 LCr | 30.11 kCr | -4.60% | +24.10% | 29.91 | 4.83 | - | - |
| LTF | L&T Finance | 70.92 kCr | 17.2 kCr | -11.30% | +85.40% | 25.19 | 4.12 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 52.17 kCr | 20.42 kCr | +0.20% | +25.80% | 21.14 | 2.55 | - | - |
| 15.9% |
| 739 |
| 638 |
| 546 |
| 458 |
| 385 |
| 352 |
| Depreciation and Amortization | 9.5% | 24 | 22 | 22 | 20 | 15 | 16 |
| Impairment on financial instruments | 14.4% | 295 | 258 | 241 | 158 | 348 | 910 |
| Other expenses | 1.3% | 243 | 240 | 208 | 190 | 127 | 133 |
| Profit Before exceptional items and Tax | 103.1% | 200 | 99 | 83 | 80 | 25 | -630.45 |
| Exceptional items before tax | - | 0 | 0 | 0 | 0 | 0 | 0 |
| Total profit before tax | 103.1% | 200 | 99 | 83 | 80 | 25 | -630.45 |
| Current tax | 106.7% | 32 | 16 | 13 | -22.29 | -2.6 | -35.59 |
| Deferred tax | 113.6% | 18 | 8.96 | 7.56 | 40 | 9.05 | -123.82 |
| Tax expense | 104.2% | 50 | 25 | 21 | 18 | 6.45 | -159.41 |
| Total profit (loss) for period | 104.1% | 150 | 74 | 63 | 62 | 19 | -471.04 |
| Other comp. income net of taxes | -116.1% | -0.25 | 8.76 | -16.04 | -15.93 | 2.18 | 0.21 |
| Total Comprehensive Income | 81.7% | 150 | 83 | 47 | 46 | 21 | -470.83 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| Earnings Per Share, Basic | 1820% | 1.86 | 0.95 | 0.81 | 0.81 | 0.24 | -6.1 |
| Earnings Per Share, Diluted | 1800% | 1.85 | 0.95 | 0.81 | 0.81 | 0.24 | -6.1 |
| Debt equity ratio | - | - | - | - | - | 0.03 | 0.02 |
| - |
| - |
| 109 |
| 30 |
| - |
| - |
| - |
| Other income | -13.5% | 33 | 38 | 70 | 31 | 28 | 41 |
| Total Expenses | 137.7% | 4,358 | 1,834 | 1,265 | 1,183 | 2,650 | 2,185 |
| Employee Expense | 43.3% | 636 | 444 | 515 | 410 | 306 | 374 |
| Finance costs | 58.7% | 1,515 | 955 | 595 | 509 | 875 | 1,124 |
| Depreciation and Amortization | 10.3% | 65 | 59 | 61 | 50 | 52 | 72 |
| Impairment on financial instruments | 1952.1% | 1,458 | 72 | -144.53 | 69 | 1,319 | 464 |
| Other expenses | 89.8% | 576 | 304 | 227 | 145 | 98 | 149 |
| Profit Before exceptional items and Tax | -110.4% | -135.4 | 1,317 | 745 | 385 | -772.65 | 34 |
| Exceptional items before tax | -100.1% | 0 | 1,221 | 21 | 0 | 0 | 0 |
| Total profit before tax | -105.4% | -135.4 | 2,539 | 767 | 385 | -772.65 | 34 |
| Current tax | -100.1% | 0.26 | 600 | 24 | -2.28 | 0.7 | 10 |
| Deferred tax | 67.7% | -37.32 | -117.82 | 157 | 94 | -194.99 | 34 |
| Tax expense | -107.9% | -37.06 | 483 | 182 | 91 | -194.29 | 44 |
| Total profit (loss) for period | -104.8% | -98.34 | 2,056 | 585 | 293 | -578.36 | -10.01 |
| Other comp. income net of taxes | -8770.6% | -14.08 | 0.83 | 1.36 | 1.64 | 2.94 | -6.17 |
| Total Comprehensive Income | -105.5% | -112.42 | 2,057 | 586 | 295 | -575.42 | -16.18 |
| Reserve excluding revaluation reserves | 0.1% | 7,969 | 7,962 | 5,562 | - | 1,888 | 2,461 |
| Earnings Per Share, Basic | -108.8% | -1.27 | 26.75 | 7.64 | 4.09 | -21.46 | -0.37 |
| Earnings Per Share, Diluted | -108.9% | -1.27 | 26.43 | 7.57 | 4.04 | -21.46 | -0.37 |
| Debt equity ratio | - | - | 0.0186 | 0.0173 | 0.0118 | - | 0 |
| 34.4% |
| 46,077 |
| 34,273 |
| 0 |
| 26,251 |
| - |
| - |
| Current tax assets (Net) | 37.6% | 195 | 142 | - | 104 | 172 | 119 |
| Investment property | 0% | 0.07 | 0.07 | - | 0.07 | 0.07 | 0.07 |
| Property, plant and equipment | 29.6% | 71 | 55 | - | 46 | 60 | 76 |
| Total non-financial assets | 17.7% | 832 | 707 | 0 | 701 | - | - |
| Total assets | 34.1% | 46,909 | 34,979 | - | 26,952 | 24,036 | 19,618 |
| Equity share capital | 3.9% | 161 | 155 | - | 155 | 154 | 154 |
| Total equity | 20.9% | 9,822 | 8,124 | - | 8,015 | 8,116 | 7,781 |
| Derivative financial instruments | - | - | 1.66 | - | 0 | 0 | 0 |
| Debt securities | 454.7% | 9,225 | 1,664 | - | 1,298 | 1,227 | 864 |
| Borrowings | 8.5% | 26,013 | 23,979 | - | 16,572 | 13,616 | 10,119 |
| Subordinated liabilities | 102.1% | 480 | 238 | - | 237 | 237 | 237 |
| Total financial liabilities | 38.1% | 36,984 | 26,787 | 0 | 18,892 | - | - |
| Current tax liabilities | 3784.2% | 29 | 0.24 | - | 0.16 | 0.01 | 115 |
| Provisions | 25% | 16 | 13 | - | 9.55 | 8.53 | 7.62 |
| Total non financial liabilities | 52.2% | 103 | 68 | 0 | 44 | - | - |
| Total liabilities | 38.1% | 37,086 | 26,855 | - | - | 15,920 | 11,837 |
| Total equity and liabilities | 34.1% | 46,909 | 34,979 | - | 26,952 | 24,036 | 19,618 |
| Purchase of property, plant and equipment | 348.5% | 28 | 7.02 | 53 | 50 | - | - |
| Purchase of intangible assets | 201.7% | 15 | 5.64 | 14 | 4.47 | - | - |
| Proceeds from sales of long-term assets | -100% | 0 | 83,060 | 592 | 273 | - | - |
| Purchase of other long-term assets | -99.5% | 439 | 83,613 | 541 | 128 | - | - |
| Other inflows/outflows of cash | - | -15.32 | 0 | 0 | 0 | - | - |
| Net Cashflows From Investing Activities | -116.1% | -481.91 | 2,993 | -4.65 | -379.79 | - | - |
| Proceeds from issuing shares | 172.4% | 80 | 30 | 3.89 | 3,461 | - | - |
| Proceeds from issuing debt etc | - | 0 | 0 | 500 | 0 | - | - |
| Proceeds from borrowings | 81.6% | 20,090 | 11,064 | 6,180 | 1,875 | - | - |
| Repayments of borrowings | 30.9% | 9,304 | 7,107 | 2,295 | 3,077 | - | - |
| Payments of lease liabilities | 34.4% | 44 | 33 | 14 | 15 | - | - |
| Dividends paid | -100.3% | 0 | 307 | 31 | 0 | - | - |
| Net Cashflows From Financing Activities | 196.8% | 10,821 | 3,647 | 4,344 | 2,244 | - | - |
| Net change in cash and cash eq. | 33.3% | -230.53 | -346.2 | 266 | 70 | - | - |