Poonawalla Fincorp logo

Poonawalla Fincorp

POONAWALLA NSE

Key Fundamentals

MidcapNBFCFinancial Services
Market Cap
₹38,935 Cr
Volatility
Moderate
P/E Ratio
47.47
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

Tapetide Score

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

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

6
  • Stock is trading at 3.50 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% higher than 3Y
Net Income Growth
-651% lower than 3Y
Cash Flow Change
-106% higher than 3Y
ROE
-537% lower than 3Y
ROCE
17.61% higher than 3Y
EBITDA Margin (Avg.)
54.19% higher than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

Poonawalla Fincorp Ltd is a mid-large cap NBFC with a market cap of ₹38,935 Cr, trading at a PE of 50.3x and 3.08x book value. The company has delivered explosive TTM sales growth of 72% and TTM profit growth of 340%, but carries a low 3-year average ROE of roughly 6% and a thin dividend payout of 3.05% of profits.

Bull Case 7
  • TTM revenue growth of 72% signals a sharp acceleration in the lending franchise, well above the 3-year sales CAGR of 46%
  • TTM profit growth of 340% indicates significant operating leverage kicking in as the loan book scales
  • 3-year compounded sales CAGR of 46% demonstrates sustained top-line momentum, not a one-quarter anomaly
  • 5-year compounded profit CAGR of 24% shows the company has been on a consistent earnings expansion trajectory over a longer horizon
  • 5-year stock CAGR of 20% and 10-year CAGR of 17% reflect long-term wealth creation for shareholders
  • Market cap of ₹38,935 Cr provides reasonable scale and liquidity for an NBFC, with room to grow into a larger franchise
  • Company is expected to deliver a good upcoming quarter, suggesting near-term earnings momentum may sustain
Bear Case 8
  • PE of 50.3x is a steep valuation for an NBFC with a 3-year ROE of only 6%, implying the market is pricing in significant future improvement that may not materialize
  • 3-year average ROE of approximately 6% is well below the 14-18% range typical of high-quality NBFCs, raising questions about capital efficiency
  • Promoter holding declined by 4.91% in the last quarter, a notable reduction that may signal reduced insider conviction or stake monetization
  • Stock trades at 3.53x book value despite the low ROE profile, creating a disconnect between valuation and return on capital
  • Low interest coverage ratio suggests the company's earnings may be vulnerable to interest rate increases or margin compression
  • Dividend payout of only 3.05% of profits over the last 3 years, with a dividend yield of just 0.45%, offers minimal income return to shareholders
  • Possible capitalization of interest costs could flatter reported profitability and asset values, masking true operating performance
  • 10-year compounded sales and profit CAGR of just 10% each indicate that the recent high-growth phase is relatively new and not yet proven over a full business cycle

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

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Neutral 4
  • ₹2000 Cr NCD private placement Sep 10

    Approved ₹2000 crore NCD issuance via private placement in two series — Series E1 (₹500 Cr) and Series F1 (₹1500 Cr), both with green shoe options to retain oversubscription. Securities are secured by a first-ranking charge on hypothecated properties.

  • ₹200 Cr Tier II NCD raise Aug 18

    Approved issuance of unsecured subordinated NCDs aggregating ₹200 crore, with a base size of ₹150 crore and a ₹50 crore green shoe option.

  • ₹2 Bn NCD issue approved Aug 18

    Approved a separate ₹2 billion NCD issuance. No details on coupon rate, tenor, or credit rating were disclosed.

  • ESOP allotment of 63,468 shares Aug 22

    Allotted 63,468 equity shares of ₹2 face value under ESOP schemes, bringing total paid-up equity capital to ₹176.12 crore.

TL;DR: Poonawalla Fincorp's recent activity is dominated by debt-raising via multiple NCD issuances totalling over ₹2400 crore, signalling active balance sheet expansion to fund its lending book. There are no visible headwinds or distinctly bullish catalysts in the current news cycle. The steady capital-raising and ESOP allotments suggest the company is in growth mode, and investors should watch for how the fresh capital is deployed and whether asset quality holds up as the book scales.

Quarterly Results

Particulars 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

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
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

Particulars 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

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
CFO/OP
-21
49
249
35
-56
71
447
-308
-387
-152
-749
-607
Figures in ₹ Crores

Ratios

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

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57 extracted metrics + investor summaries across FY08–FY27.

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Shareholding Pattern

Others4.18%Promot.59.02%Public9.11%FIIs10.96%DIIs16.74%As ofJun 2026

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. [1][2]
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 market capitalisation of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd has a market capitalisation of ₹38,935 Cr, which places it in the Large Cap band.
What is the PE ratio of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd trades at a PE ratio of 47.47, on earnings per share of ₹15.74, against a book value of ₹146.07 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 ₹570.4.
Does Poonawalla Fincorp Ltd pay dividends?
Poonawalla Fincorp Ltd has a dividend yield of 0.45%.
What is the Return on Equity (ROE) of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd reported a return on equity of 5.24%. Its debt-to-equity ratio is 4.02.

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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