Piramal Finance Limited PIRAMALFIN NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India

https://www.piramalfinance.com

Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India. It offers housing loans, such as home, construction, and home renovation and extension loan; business loans, which include working capital loan, loan against property and secured business loan, as well as loans for growing business, consolidate business needs, and professionals; and real estate financing, corporate finance, emerging corporate lending, and capital markets and advisory services. Piramal Finance Limited was formerly known as Piramal Capital & Housing Finance Limited and changed its name to Piramal Finance Limited in March 2022. The company was incorporated in 1984 and is based in Mumbai, India.

Market & Price

Market Cap

₹43,546.63 Cr

Current Price

₹1,926.80

High / Low (52W)

₹2,017.60 / ₹1,323.00

Beta

Valuation

Stock P/E

29.15

Industry PE

19.12

Forward P/E

13.43

PEG Ratio

Book Value

₹1,244.08

Price to Book

1.55

P/S

8.38

EV/EBITDA

Dividend Yield

0.57%

Profitability & Returns

ROCE

1.19%

ROE

6.72%

ROA

1.60%

Profit Margin

28.95%

Op Margin

-49.86%

EPS (Latest Qtr)

₹22.01

EPS (TTM)

₹66.09

Balance Sheet & Liquidity

Debt/Equity

2.84

Quick Ratio

131.77

Current Ratio

134.69

Debt

₹79,989.21 Cr

Total Assets

₹1.11 L Cr

Current Assets

₹92,477.90 Cr

Working Capital

₹91,782.47 Cr

Ownership

Promoter Holding

48.64%

Chg in Prom Hold

FII / Inst Holding

22.84%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹1.17 L Cr

Total Revenue (TTM)

₹5,196.00 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-15,892.30 Cr

Shares Outstanding

₹22.60 Cr

Gross Margin

99.78%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

19.42%

Profit 5Y

40.11%

Revenue (YoY)

-24.70%

Earnings (YoY)

PROS

Excellent profit margin of 29.0%.
Compounding revenue at 19.4% over 5 years.
Profit CAGR of 40.1% over 5 years.

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PIRAMALFIN Piramal Finance Limited NIFTY_SMALLNSEFINANCIAL	1,926.80	29.15	₹43,546.63 Cr	0.57%	1.19%	6.72%	19.42%	40.11%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	2,298.30 Cr	2,398.14 Cr	2,088.75 Cr	2,857.42 Cr	2,991.46 Cr
Cost of Revenue	1,788.65 Cr	1,821.19 Cr	1,612.69 Cr	2,123.03 Cr	2,103.68 Cr
Gross Profit	509.65 Cr	576.95 Cr	476.06 Cr	734.39 Cr	887.78 Cr
Operating Expenses	-122.14 Cr	-30.68 Cr	262.61 Cr	327.78 Cr	639.56 Cr
Operating Income	631.79 Cr	607.63 Cr	213.45 Cr	406.61 Cr	248.22 Cr
EBITDA	685.91 Cr	660.75 Cr	175.37 Cr	463.63 Cr	893.22 Cr
Interest Expense	-	-	34.32 Cr	-	-
Pretax Income	90.69 Cr	116.07 Cr	95.10 Cr	327.89 Cr	504.76 Cr
Tax Provision	52.13 Cr	13.63 Cr	1.12 Cr	-73.12 Cr	2.99 Cr
Net Income	38.56 Cr	102.44 Cr	93.98 Cr	400.17 Cr	500.94 Cr
Diluted EPS	1.71	4.54	4.17	17.50	22.01

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	6,498.57 Cr	6,568.84 Cr	8,916.13 Cr	11,068.19 Cr
Cost of Revenue	-	4,008.74 Cr	4,591.25 Cr	6,903.52 Cr	8,189.86 Cr
Gross Profit	-	2,489.83 Cr	1,977.59 Cr	2,012.61 Cr	2,878.33 Cr
Operating Expenses	-	1,063.32 Cr	1,088.07 Cr	226.11 Cr	1,572.27 Cr
Operating Income	-	1,426.51 Cr	889.52 Cr	1,786.50 Cr	1,306.06 Cr
EBITDA	-	-12,552.00 Cr	-3,349.98 Cr	2,000.19 Cr	2,208.86 Cr
Interest Expense	224.68 Cr	141.41 Cr	113.23 Cr	74.11 Cr	-
Pretax Income	-	-12,793.52 Cr	-3,615.63 Cr	644.89 Cr	1,383.08 Cr
Tax Provision	-	-5,392.16 Cr	-1,640.35 Cr	159.44 Cr	-123.06 Cr
Net Income	-	-7,401.36 Cr	-1,975.28 Cr	485.45 Cr	1,504.31 Cr
Diluted EPS	-	-328.14	-87.57	21.52	66.11

Compounded Sales Growth

5 Years:	19.42%
1 Year:	-24.70%

Compounded Profit Growth

5 Years:	40.11%
1 Year:	-

Stock Price Performance

1 Year:	+45.64%
6 Months:	+21.15%
3 Months:	+8.96%
1 Month:	-4.29%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	622.66 Cr	658.58 Cr	776.47 Cr	1.11 L Cr
Current Assets	-	169.52 Cr	158.24 Cr	209.50 Cr	92,477.90 Cr
Cash & Equivalents	-	19.28 Cr	19.57 Cr	38.09 Cr	4,123.12 Cr
Inventory	-	-	-	-	-
Receivables	-	4.51 L	2.34 L	1.50 L	12.98 Cr
Total Liabilities	-	474.85 Cr	509.63 Cr	609.91 Cr	82,355.00 Cr
Current Liabilities	-	116.39 Cr	131.19 Cr	187.98 Cr	695.43 Cr
Long Term Debt	-	317.98 Cr	340.61 Cr	394.87 Cr	79,861.32 Cr
Total Debt	-	407.90 Cr	455.53 Cr	566.83 Cr	79,861.32 Cr
Total Equity	-	147.81 Cr	148.95 Cr	166.57 Cr	28,148.66 Cr
Shares Outstanding	-	22.56 Cr	22.56 Cr	22.56 Cr	22.67 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	5,502.55 Cr	-6,430.57 Cr	-8,119.05 Cr	-15,892.30 Cr
Investing Cash Flow	-	1,292.15 Cr	70.37 Cr	-1,787.96 Cr	2,630.90 Cr
Financing Cash Flow	-	-9,486.62 Cr	6,389.24 Cr	11,625.32 Cr	12,392.68 Cr
Capital Expenditure	-	-144.75 Cr	-253.00 Cr	-273.79 Cr	-116.45 Cr
Free Cash Flow	-	5,357.80 Cr	-6,683.57 Cr	-8,392.84 Cr	-16,008.75 Cr
Net Change in Cash	-	-2,691.92 Cr	29.04 Cr	1,718.31 Cr	-868.72 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	38.3%	30.1%	22.6%	26.0%
Operating Margin %	-	22.0%	13.5%	20.0%	11.8%
Net Margin %	-	-113.9%	-30.1%	5.4%	13.6%
ROE %	-	-5,007.3%	-1,326.2%	291.4%	5.3%
ROCE %	-	281.8%	168.7%	303.6%	1.2%

Shareholding Pattern

Insiders

48.64%

Institutions

22.84%

Public Float

44.47%

Analyst View

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PIRAMALFIN · Financial Services