Skip to content
Poonawalla Fincorp logo

Poonawalla Fincorp

POONAWALLA NSE
₹469.50 −4.60 (−0.97%)
P/E
36.88
View as Markdown
MCP
Close 4 Nov 2026 ₹469.50 +6.60 +1.43% 1Y
Start ₹462.90

Key Fundamentals

MidcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
4.31
EPS (TTM)
₹12.73
Book Value
₹156.19
Market Cap
—
P/E (TTM)
36.88
P/B
3.01
ROE
5.86%
Dividend Yield
0.42%
52W High
₹511.90
52W Low
₹361.20
Day Range
₹465.05 – ₹474.75
Volume
12,11,715
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Poonawalla Fincorp peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
Poonawalla Fincorp (this company)
₹469.5036.88₹41,541 Cr3.010.42%5.86%—₹8,889 Cr₹1,088 Cr
Median 8 companies₹730.8823.80₹1,22,695 Cr2.970.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

44 Weak

Data confidence 94/100

Category scores

Quality
17
Poor
Returns, margins, earnings quality 22% weight
Valuation
34
Poor
Cheap vs sector & own history 24% weight
Growth
99
Strong
Sales & profit trajectory 9% weight
Financial Health
24
Poor
Solvency, leverage, coverage 9% weight
Momentum
54
Average
Trend strength, vol-adjusted 12% weight
Ownership
62
Good
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

6
  • Stock is trading at 2.83 times its book value
  • Company has low interest coverage ratio.
  • 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
  • Promoter holding has decreased over last 3 years: -3.09%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish2512
OscillatorsNeutral252
Moving AveragesStrong Bullish0010

Key readings

RSI (14)
58.61
Neutral
MACD (12,26,9)
2.36
Bullish
SMA (50)
451.79
Bullish
SMA (200)
439.17
Bullish

As of

Analyst Rating

Based on 9 analysts
BUY67%

6 of 9 analysts rate Buy, 1 Hold, 2 Sell.

As of

BUY
6
67%
HOLD
1
11%
SELL
2
22%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
10Y+9.84%
5Y+23.97%
3Y+46.11%
1Y+62.05%
TTM+74.98%

Net profit

Net profit growth by window
10Y+9.79%
5YTurned to profit
3Y−7.51%
1YTurned to profit
TTM+399.08%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹2,524 Cr
Mar 2018₹2,290 Cr
Mar 2019₹2,457 Cr
Mar 2020₹2,513 Cr
Mar 2021₹2,319 Cr
Mar 2022₹1,540 Cr
Mar 2023₹2,177 Cr
Mar 2024₹5,418 Cr
Mar 2025₹4,190 Cr
Mar 2026₹6,790 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹13.00 Cr
Mar 2018₹237 Cr
Mar 2019₹304 Cr
Mar 2020₹27.00 Cr
Mar 2021−₹559 Cr
Mar 2022₹375 Cr
Mar 2023₹685 Cr
Mar 2024₹1,683 Cr
Mar 2025−₹98.00 Cr
Mar 2026₹542 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹16.51 +141.4% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk high

Poonawalla Fincorp Ltd trades at ₹480.7 as of 2026-11-02 with a market cap of ₹40,815 Cr, a P/E (TTM) of 37.76 and a P/B of 3.08. The company has delivered strong TTM revenue growth of 75% and TTM profit growth of 399%, but carries a low ROE of 5.24% and modest long-term profitability metrics relative to its premium valuation.

Bull Case 7
  • TTM revenue growth of 75% signals a sharp acceleration in the lending business, well above the 3-year compounded sales CAGR of 46%
  • TTM profit growth of 399% indicates a dramatic improvement in earnings, suggesting operating leverage is kicking in as the loan book scales
  • 5-year compounded sales and profit CAGR of 24% each demonstrate a sustained medium-term growth trajectory
  • 10-year stock CAGR of 14% and 5-year stock CAGR of 25% reflect meaningful long-term wealth creation for shareholders
  • The stock is trading at ₹480.7, which is 6.1% below its 52-week high of ₹511.9, indicating it has held up relatively well within its recent range
  • The company is expected to deliver a good upcoming quarter, which could sustain the recent earnings momentum
  • 3-year compounded sales CAGR of 46% far exceeds the 10-year CAGR of 10%, pointing to a structural step-up in business scale in recent years
Bear Case 8
  • ROE stands at just 5.24% and has averaged only about 6% over 3 and 5 years, which is low for a financial services company trading at a P/B of 3.08
  • P/E (TTM) of 37.76 is a premium multiple, especially against a 3-year compounded profit CAGR of only 5%, indicating the stock prices in significant future improvement
  • Low interest coverage ratio raises concerns about the company's ability to service debt comfortably as interest rates fluctuate
  • Promoter holding has declined by 3.09% over the last three years, which may signal reduced promoter confidence or dilution
  • Dividend payout has been just 3.05% of profits over the last three years, offering minimal income; current dividend yield is only 0.43%
  • The company may be capitalizing interest costs, which could flatter reported profitability and understate true operating expenses
  • 1-year stock CAGR of -13% shows recent underperformance despite the strong TTM earnings growth, suggesting the market may have concerns not visible in headline numbers
  • ROCE of 6.68% is modest, indicating the company is not yet generating strong returns on the total capital employed in the business

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

AI News Digest

9h ago

TL;DR: Poonawalla Fincorp delivered a standout Q2 FY27 with PAT up ~407% YoY to ₹375 crore, driven by 76% AUM growth, sharp NII expansion, and improving operating leverage with cost-to-income dropping to 44.8%. Asset quality improved genuinely with GNPA at 1.20% and no accelerated write-offs. Key risks include elevated valuations at 65x P/E, rising leverage at 4.30x, and a growing unsecured mix. If management delivers on its 35-40% AUM CAGR and 3-3.5% ROA targets by June 2028, the growth narrative remains intact, but execution discipline on asset quality will be closely watched as the book scales rapidly.

Headwinds 5
  • Elevated valuation vs sector Oct 9

    P/E ratio stands at 65.39x versus sectoral P/E of 25.38x, reflecting stretched valuations that leave little room for disappointment.

  • Rising leverage ratio Oct 9

    Debt-to-equity rose to 4.30x from 3.82x in June 2026, higher than Bajaj Finance's 3.97x, as borrowings outpaced equity growth post the ₹2,500 crore QIP.

  • Stock down 15.89% in one year Oct 9

    Shares are down 7.6% YTD and 15.89% over one year despite strong operational performance, signaling market skepticism on sustainability.

Positives 6
  • Q2 PAT surges 407% YoY Oct 9

    Net profit jumped to ₹375 crore from ₹74 crore YoY, with 21.8% QoQ growth from ₹308 crore, driven by operating leverage and stable credit costs at ₹376 crore.

  • NII up 81%, AUM up 76% Oct 9

    NII rose 80.6% YoY to ₹1,380 crore and AUM reached ₹74,008 crore, up 75.6% YoY and 12.3% QoQ, powered by new product verticals and branch expansion.

  • Asset quality improves sharply Oct 9

    GNPA fell to 1.20% from 1.59% YoY with no accelerated write-offs; collection efficiency hit 99.5% and latest cohort 6-month delinquency is just 0.64%.

Neutral 2
  • Shareholder vote for director Oct 16

    Postal ballot issued for re-appointment of Independent Director Kemisha Soni, with e-voting open from October 17 to November 15, 2026.

  • ₹66 crore bulk deal on NSE Oct 14

    Approximately 15.08 lakh shares changed hands at ₹438.10 per share in a large trade worth ₹66.05 crore; buyer and seller identities not disclosed.

Quarterly Results

₹ Cr
POONAWALLA quarterly results, ₹ crore
Particulars Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue
739
763
915
978
989
1,057
1,166
1,314
1,542
1,818
2,115
2,330
2,624
Expenses
207
178
241
272
1,260
632
615
662
784
855
910
974
1,054
Financing Profit
316
361
393
386
−622
40
93
105
121
224
362
435
535
Fin. Margin %
43%
47%
43%
39%
−63%
4%
8%
8%
8%
12%
17%
19%
20%
Other Income
829
11
7
18
8
0
7
0
0
0
5
7
0
Interest
216
224
281
320
352
385
458
546
638
739
844
922
1,035
Depreciation
15
15
14
15
16
15
20
22
22
24
26
30
34
PBT
1,130
357
385
390
−630
25
80
83
99
200
341
411
501
Tax %
24%
26%
14%
25%
−25%
26%
22%
25%
25%
25%
25%
25%
25%
Net Profit
860
265
332
292
−471
19
62
63
74
150
255
308
375
EPS (₹)
11.19
3.45
4.28
3.76
−6.06
0.24
0.8
0.8
0.91
1.85
3.13
3.49
4.26

Profit & Loss

₹ Cr
POONAWALLA profit and loss, annual, ₹ crore
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
8,889
Expenses
1,068
1,147
1,341
872
880
1,112
1,950
623
838
880
2,778
3,210
3,792
Financing Profit
233
318
52
301
454
107
−731
408
744
3,588
−103
814
1,556
Fin. Margin %
9%
12%
2%
13%
18%
4%
−32%
26%
34%
66%
−2%
12%
18%
Other Income
25
28
43
39
38
49
39
109
184
−1,363
33
5.47
12
Interest
1,233
1,192
1,131
1,117
1,122
1,294
1,100
509
595
950
1,515
2,767
3,540
Depreciation
35
39
48
49
50
75
56
49
61
59
65
94
115
PBT
223
306
47
291
442
82
−749
468
866
2,166
−135
724
1,454
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
1,088
EPS (₹)
9.49
8.93
0.86
9.99
11.29
1
−20.73
4.9
8.91
21.73
−1.26
6.67
12.73
Div. Payout %
8%
9%
93%
8%
7%
0%
0%
8%
22%
9%
0%
0%
—

Balance Sheet

₹ Cr
POONAWALLA balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital
38
47
47
47
54
54
54
153
154
154
155
162
176
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
13,578
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
59,309
Other Liabilities
1,472
1,515
1,375
796
912
445
543
413
5,150
704
774
1,488
1,521
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
74,584
Fixed Assets
212
265
278
207
199
242
196
214
222
194
244
420
567
CWIP
9
13
8
1
4
7
0
0
5
0
10
7
0
Investments
414
400
546
140
141
151
177
0
311
878
1,342
2,490
3,078
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
70,939
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
74,584

Cash Flow

₹ Cr
POONAWALLA cash flow, annual, ₹ crore
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

Ratios

POONAWALLA financial ratios, annual
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

56 extracted metrics across FY09–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 59.01%
  • DIIs 17.16%
  • FIIs 11.64%
  • Public 8.61%
  • Others 3.58%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

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.
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 PE ratio of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd trades at a PE ratio of 36.88 as of 4 Nov 2026, on earnings per share of ₹12.73, against a book value of ₹156.19 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 ₹511.9 as of 4 Nov 2026.
Does Poonawalla Fincorp Ltd pay dividends?
Poonawalla Fincorp Ltd has a dividend yield of 0.42%.
What is the Return on Equity (ROE) of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd reported a return on equity of 5.86%. Its debt-to-equity ratio is 4.31.

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.

Website poonawallafincorp.com
CEO Mr. Arvind Kapil
Employees 3,594
Listed 27 Apr 2004
Face Value ₹2

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: dated key facts, then this page's sections in order: latest price, key fundamentals, peer comparison, the Tapetide Score, technical indicators, analyst ratings, growth rates, analyst forecasts, the AI analysis and news digest (labelled as AI-generated), financial statements, shareholding pattern, documents and the FAQ.

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 Indian stock market MCP server.

Explore More

More NBFC & Finance stocks → FII DII DataStock ScreenerNifty 50 HeatmapF&O Ban ListFII and DII flows, month by monthHow Tapetide Scores changed, month by monthStocks mutual funds are buying, month by month