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Poonawalla Fincorp Limited

Poonawalla Fincorp Limited

413.00
INR
-19.45
(-4.50%)
9.50EPS
46.31P/E
386.21BMarket Cap
Jan 29Next Earn
Poonawalla Fincorp Limited
NSE:POONAWALLA
(National Stock Exchange of India)

Recent

price

413.00

P/E

ratio

46.31

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
35.5
57.69
85.23
112.57
129.27
111.46
104.11
93.33
87.25
89.54
82.71
21.12
24.46
38.39
51.83
81.96
90.08
Revenue per Share
9.6
4.31
7.28
7.99
9.49
9.11
0.86
10
11.33
1
-20.74
5.23
8.94
21.89
-1.27
6.84
9.52
Basic EPS, GAAP
-81.76
-127.54
-152.46
-26.43
-16.02
31.57
124.47
14.16
-36.43
34.85
60.16
-40.95
-67.22
-98.54
-137.51
-276.46
- -
Free Cash Flow per Basic Share
1.09
1.16
- -
- -
- -
- -
- -
0.96
0.97
0.97
- -
- -
0.4
4
- -
- -
- -
Dividend per Share
50.5
65.58
83.94
86.97
93.87
91.39
72.56
83.2
101.88
101.96
81.39
79.17
89.35
105.99
105.76
128.07
- -
Book Value per Share
50.04
65.27
82.96
86.07
91.88
87.59
70.56
81.36
100.34
100.59
80.12
78.73
88.92
105.77
105.41
127.66
- -
Tangible Book Value per Share
127
172
190
190
190
232
237
237
268
269
270
717
765
769
772
792
814
Basic Weighted Avg Shares
4,516
9,904
16,181
21,395
24,600
25,871
24,665
22,119
23,410
24,121
22,294
15,146
18,717
29,506
40,005
64,906
73,331
Sales/Revenue/Turnover
44.1
41.27
40.33
31.67
29.46
31.84
22.67
14.09
17.53
23.23
30.25
31.05
28.02
41.2
29.18
25.61
28.29
Operating Margin (%)
279
296
376
332
346
395
485
492
505
748
563
546
776
644
651
941
1,021
Depreciation Expense
1,221
740
1,382
1,518
1,807
2,114
205
2,369
3,040
271
-5,590
3,751
6,840
16,828
-983
5,418
7,753
Net Income, GAAP
32.96
24.99
31.79
19.25
16.21
30.2
72.79
18.55
31.28
66.92
- -
23.68
24.13
22.62
- -
25.12
25.16
Effective Tax Rate (%)
27.05
7.47
8.54
7.1
7.34
8.17
0.83
10.71
12.99
1.12
-25.07
24.77
36.54
57.03
-2.46
8.35
10.57
Profit Margin (%)
- -
-10,740
-21,951
-29,876
-41,519
-44,199
-32,274
-38,191
-30,489
-10,488
-12,480
22,048
25,343
29,068
-9,715
32,146
- -
Working Capital
- -
21,245
38,693
32,189
35,686
33,132
43,108
36,629
48,805
60,635
48,805
61,068
54,447
72,226
120,849
309,054
- -
LT Debt
7,415
12,630
16,199
16,868
18,273
22,062
17,535
19,720
27,439
27,480
21,943
60,582
68,732
81,671
81,747
103,482
- -
Total Equity
20.26
2.03
1.53
1.34
1.48
1.55
1.08
2.11
2.25
0.3
- -
2.13
3.1
7.71
- -
1.08
- -
Return on Invested Capital (%)
20.59
9.23
3.92
3.96
4.25
3.75
1.07
2.38
2.53
0.45
- -
2.98
4.23
8.19
- -
1.22
- -
Return on Capital (%)
20.42
7.49
9.74
9.35
10.5
10.7
1.05
12.83
12.89
0.99
-22.62
9.09
10.59
22.39
-1.2
5.85
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
175,304
- -
LT Borrowings
- -
306,303
- -
LT Finance Leases
- -
2,751
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
808
808
876
Market Capitalization
390,127
297,663
386,214

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
222,046
- -
Cash, Cash Equivalents & STI
- -
29,107
- -
Accounts Receivable, Net
- -
385
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
189,900
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
175,304
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
24.61%
47.01%
26.59%
Free Cash Flow
-31.31%
-2.44%
106.29%
Net Income, GAAP
-195.66%
-139.11%
-650.96%
Sales/Revenue/Turnover
13.33%
29.4%
62.25%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
9,215
9,563
10,534
11,355
40,005
2026
12,482
- -
17,754
20,323
64,906
2027
22,772
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
3.79
-6.1
0.24
0.81
-1.27
2026
0.81
- -
1.86
3.15
6.84
2027
3.55
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Poonawalla Fincorp Limited is a non-banking financial company (NBFC) primarily engaged in consumer and micro, small, and medium enterprises (MSME) financing. The company offers a diversified range of financial products and services including business loans, personal loans, pre-owned car loans, home loans, gold loans, consumer durable loans, prime personal loans, shopkeeper loans, education loans, and commercial vehicle loans. It also provides general insurance services. Poonawalla Fincorp operates mainly in India and aims to simplify and accelerate access to financial solutions, ensuring greater inclusion and accessibility for a broad customer base. Founded in 1978 and headquartered in Mumbai, India, the company was formerly known as Magma Fincorp Limited until its name change to Poonawalla Fincorp Limited in July 2021. It is a subsidiary of Rising Sun Holdings Pvt Ltd, part of the Cyrus Poonawalla Group. The company has a strong focus on expanding its consumer and MSME financing portfolio with strategic new product launches including six new loan products introduced in FY 2025, such as gold loans, education loans, and shopkeeper loans. Recent major developments include Poonawalla Fincorp's strategic partnership with IIT Bombay's Technology Innovation Hub (TIH) to integrate artificial intelligence into credit risk management and HR processes, enhancing operational efficiencies. Additionally, the company has undertaken significant structural changes by divesting its housing finance arm to TPG Capital, a private equity firm, in a deal valued at INR 39 billion executed in late 2022. This divestment aligns with its strategic focus on core NBFC consumer and MSME businesses. The company also reported robust asset under management (AUM) growth of 68% year-over-year in the second quarter of FY26, driven by strong disbursements and traction in new products. Overall, Poonawalla Fincorp Limited operates in the financial services industry with core business segments spanning consumer finance, MSME loans, and insurance, targeting diverse customer segments across India, backed by a rich legacy since 1978 and a strategic emphasis on digital innovation and product diversification.