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Poonawalla Fincorp Limited

Poonawalla Fincorp Limited

POONAWALLA.BO
Poonawalla Fincorp LimitedIN flagBombay Stock Exchange
476.40
INR
+15.90
- -
417.58BMarket Cap
Poonawalla Fincorp Limited
POONAWALLA.BO
(Bombay Stock Exchange)

Recent

price

476.40

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
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
56.78
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
-4.23
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
56.54
21.88
25.93
27.25
31.42
26.37
25.81
26.79
19.51
19.04
-1.85
4.87
11.22
24.9
23.51
28.45
- -
Book Value per Share
57.77
73.23
84.35
87.85
94.04
91.18
72.02
81.37
100.72
100.63
80.14
84.02
89.37
106.03
105.57
130.26
- -
Tangible Book Value per Share
127
172
190
190
190
232
237
237
268
269
270
717
765
769
772
792
774
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
43,934
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
26.72
Operating Margin (%)
279
296
376
332
346
395
485
492
505
748
563
546
776
644
651
941
726
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
-3,274
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
72.89
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
-7.45
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
22.14
8.01
4.7
4.59
4.81
4.18
1.07
1.79
1.88
1.21
- -
2.5
2.33
4.54
- -
2.68
- -
Return on Invested Capital (%)
20.8
10.43
4.37
4.38
4.68
4.17
1.18
2.6
2.87
0.53
- -
4.12
6.44
11.62
- -
1.44
-0.44
Return on Capital (%)
20.64
13.52
31.85
30.06
32.38
34.94
3.34
38.02
52.49
5.22
- -
- -
113.26
121.41
-5.28
26.64
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
139,964
- -
LT Borrowings
- -
119,281
- -
LT Finance Leases
- -
1,568
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
773
- -
Market Capitalization
243,512
270,671
360,563

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
136,831
- -
Cash, Cash Equivalents & STI
- -
13,769
- -
Accounts Receivable, Net
- -
184
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
146,546
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
139,964
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,650
7,106
7,304
8,446
29,506
2025
9,215
9,563
10,534
11,355
40,005
2026
12,482
17,754
20,323
- -
64,906

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.94
11.2
3.45
- -
21.89
2025
3.79
-6.1
0.24
0.81
-1.27
2026
0.81
1.86
3.15
- -
6.84

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Poonawalla Fincorp Limited, a non-banking financial company (NBFC) and subsidiary of Rising Sun Holdings Pvt Ltd within the Cyrus Poonawalla Group, focuses on consumer and MSME financing across India from its headquarters in Pune, Maharashtra, where it was incorporated in 1978 as Magma Leasing Limited and renamed in 2021. The company provides a diversified portfolio of lending products including personal loans for medical expenses, education, home renovation and debt consolidation; business loans and SME loans for working capital, expansion, inventory and infrastructure; professional loans; pre-owned car loans; loans against property with higher amounts, longer tenures and flexible repayments; consumer durable loans for appliances, gadgets and electronics; gold loans; commercial vehicle loans; supply chain finance; and machinery loans, alongside insurance products such as life, health and motor coverage, plus investment solutions like fixed deposits and mutual funds. It operates through a pan-India network of over 85 branches, digital platforms including web, app and WhatsApp, direct selling agents, and channel partners, targeting individuals, salaried and self-employed professionals, MSMEs, partnerships and trusts with assets under management exceeding INR 28,000 crore. Recent developments include a INR 15 billion funding round in September 2025 via preferential allotment of 33.1 million shares to Rising Sun Holdings Pvt Ltd at INR 452.51 per share; launch of new products such as PL Prime, education loans, commercial vehicle loans, shopkeeper loans and gold loans in FY2025 alongside consumer durable loans; a strategic partnership with IIT Bombay's Technology Innovation Hub in October 2024 to integrate AI into credit risk management and HR processes; expansion of commercial vehicle business to all 12 states with INR 50 crore disbursed in Q2 FY26; and growth in non-convertible debentures (NCDs) borrowings from 7% to 27% of total debt by September 2025, supported by 450 channel partners and 100% digital journey capabilities.