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Piramal Finance Limited PIRAMALFIN NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.piramalfinance.com
Company Profile ↓
₹2,184.40
+66.05% 1Y
Mkt Cap₹49,515.48 Cr
P/E33.08
P/B1.75
Div. Yield0.51%
52W High₹2,197.10
52W Low₹1,315.54
Book Value₹1,241.79
EPS (TTM)₹66.03

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 40.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 16.9% CAGR over the past five years.

Recent Developments

  • Mar 2026 Revenue of ₹10,370.97 Cr (+21.0% YoY); net profit ₹1,504.31 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +21.0%, earnings +209.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 16.9%, profit CAGR 40.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:16.86%
1 Year:21.04%

Compounded Profit Growth

5 Years:40.11%
1 Year:209.88%

Stock Price Performance

1 Year:+66.05%
6 Months:+17.59%
3 Months:+29.21%
1 Month:+8.70%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 99% of range
₹1,315.54 ₹2,197.10
Trend Signals
  • Price vs 50-DMAAbove
  • RSI (14)62.58 · Neutral
Price Performance
1M+8.70%
3M+29.21%
6M+17.59%
1Y+66.05%
Valuation vs Sector

P/E of 33.08 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 16.9% 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.

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Valuation

Stock P/E
33.08
Industry PE
19.81
Forward P/E
15.16
PEG Ratio
-
Book Value
₹1,241.79
Price to Book
1.75
P/S
9.42
EV/EBITDA
53.35
Dividend Yield
0.51%

Growth (CAGR)

Revenue 5Y
16.86%
Profit 5Y
40.11%
Revenue (YoY)
21.04%
Earnings (YoY)
209.88%

Profitability & Returns

ROCE
1.56%
ROE
5.34%
ROA
1.36%
Profit Margin
14.51%
Op Margin
3.91%
Gross Margin
23.50%
EPS (Latest Qtr)
₹22.01
EPS (TTM)
₹66.03

Balance Sheet & Liquidity

Debt/Equity
2.84
Quick Ratio
40.93
Current Ratio
1.81
Debt
₹79,989.21 Cr
Total Assets
₹1.11 L Cr
Current Assets
₹33,091.88 Cr
Working Capital
₹14,832.22 Cr

Ownership

Promoter Holding
48.67%
Chg in Prom Hold
2.51%
FII / Inst Holding
25.54%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
₹49,515.48 Cr
Total Revenue (TTM)
₹10,370.97 Cr
EBITDA
₹2,345.19 Cr
Free Cash Flow
₹-16,008.75 Cr
Operating Cash Flow
₹-15,892.30 Cr
Shares Outstanding
₹22.67 Cr
Gross Margin
23.50%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PIRAMALFIN Piramal Finance Limited NIFTY_SMALLNSEFINANCIAL 2,184.40 33.08 ₹49,515.48 Cr 0.51% 1.56% 5.34% 16.86% 40.11%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Jun 2021Jun 2022Dec 2022Mar 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 2,001.00 Cr1,672.00 Cr1,751.00 Cr1,640.00 Cr1,689.00 Cr1,717.00 Cr2,365.00 Cr2,298.30 Cr2,398.14 Cr2,088.75 Cr2,872.00 Cr2,857.42 Cr2,991.46 Cr
Cost of Revenue -------1,788.65 Cr1,821.19 Cr1,612.69 Cr-2,123.03 Cr2,103.68 Cr
Gross Profit -------509.65 Cr576.95 Cr476.06 Cr-734.39 Cr887.78 Cr
Operating Expenses 1,487.00 Cr366.00 Cr1,570.00 Cr966.00 Cr729.00 Cr2,780.00 Cr936.00 Cr-122.14 Cr-30.68 Cr262.61 Cr922.00 Cr327.78 Cr639.56 Cr
Operating Income 495.00 Cr1,288.00 Cr159.00 Cr637.00 Cr922.00 Cr-1,108.00 Cr1,374.00 Cr631.79 Cr607.63 Cr213.45 Cr1,805.00 Cr406.61 Cr248.22 Cr
EBITDA 514.00 Cr1,306.00 Cr181.00 Cr674.00 Cr960.00 Cr-1,063.00 Cr1,429.00 Cr685.91 Cr660.75 Cr175.37 Cr1,949.00 Cr463.63 Cr893.22 Cr
Interest Expense 48.00 Cr890.00 Cr834.00 Cr848.00 Cr928.00 Cr999.00 Cr1,305.00 Cr--34.32 Cr1,567.00 Cr--
Pretax Income 448.00 Cr492.00 Cr-668.00 Cr-10,461.00 Cr-1,862.00 Cr-1,858.00 Cr190.00 Cr90.69 Cr116.07 Cr95.10 Cr249.00 Cr327.89 Cr504.76 Cr
Tax Provision 134.40 Cr123.00 Cr3,493.64 Cr1,464.54 Cr577.22 Cr1,114.80 Cr26.60 Cr52.13 Cr13.63 Cr1.12 Cr-77.19 Cr-73.12 Cr2.99 Cr
Net Income 314.00 Cr370.00 Cr2,824.00 Cr-8,982.00 Cr-1,282.00 Cr-752.00 Cr163.00 Cr38.56 Cr102.44 Cr93.98 Cr327.00 Cr400.17 Cr500.94 Cr
Diluted EPS 10.020.171.32-4.20-0.60-0.320.071.714.544.1714.4217.5022.01

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 6,420.00 Cr7,835.00 Cr11,465.00 Cr10,849.00 Cr12,882.00 Cr9,558.00 Cr8,771.00 Cr6,039.00 Cr6,498.57 Cr6,568.84 Cr8,568.38 Cr10,370.97 Cr
Cost of Revenue --------4,008.74 Cr4,591.25 Cr6,638.38 Cr7,933.77 Cr
Gross Profit --------2,489.83 Cr1,977.59 Cr1,930.00 Cr2,437.20 Cr
Operating Expenses 968.00 Cr1,196.00 Cr1,477.00 Cr1,413.00 Cr4,496.00 Cr21,824.00 Cr28,621.00 Cr1,859.00 Cr1,063.32 Cr1,088.07 Cr434.50 Cr2,032.14 Cr
Operating Income 5,424.00 Cr6,609.00 Cr9,946.00 Cr9,408.00 Cr8,335.00 Cr-12,345.00 Cr-19,931.00 Cr4,128.00 Cr1,426.51 Cr889.52 Cr1,495.50 Cr405.06 Cr
EBITDA 5,451.00 Cr6,639.00 Cr9,989.00 Cr9,436.00 Cr8,386.00 Cr-12,266.00 Cr-19,850.00 Cr4,180.00 Cr-12,552.00 Cr-3,349.98 Cr915.33 Cr2,345.19 Cr
Interest Expense 4,460.00 Cr5,492.00 Cr6,674.00 Cr7,744.00 Cr9,417.00 Cr5,736.00 Cr218.00 Cr3,337.00 Cr141.41 Cr113.23 Cr56.75 Cr59.31 Cr
Pretax Income 966.00 Cr1,121.00 Cr3,276.00 Cr1,706.00 Cr-1,104.00 Cr-18,063.00 Cr-20,117.00 Cr728.00 Cr-12,793.52 Cr-3,615.63 Cr644.89 Cr1,383.08 Cr
Tax Provision 328.44 Cr381.14 Cr491.40 Cr460.62 Cr121.44 Cr4,696.38 Cr5,029.25 Cr189.28 Cr-5,392.16 Cr-1,640.35 Cr159.44 Cr-123.06 Cr
Net Income 642.00 Cr749.00 Cr2,806.00 Cr1,263.00 Cr-966.00 Cr-13,456.00 Cr-15,051.00 Cr540.00 Cr-7,401.36 Cr-1,975.28 Cr485.45 Cr1,504.31 Cr
Diluted EPS 22.0525.6889.6240.28-30.78-428.77-479.610.25-328.14-87.5721.5266.03

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 55,429.00 Cr69,245.00 Cr92,290.00 Cr1.06 L Cr1.07 L Cr85,830.00 Cr70,359.00 Cr-622.66 Cr658.58 Cr94,943.41 Cr1.11 L Cr
Current Assets --------169.52 Cr158.24 Cr27,535.47 Cr33,091.88 Cr
Cash & Equivalents --------19.28 Cr19.57 Cr4,991.84 Cr4,123.12 Cr
Inventory ------------
Receivables --------4.51 L2.34 L5.93 Cr12.98 Cr
Total Liabilities --------474.85 Cr509.63 Cr67,847.47 Cr82,355.00 Cr
Current Liabilities --------116.39 Cr131.19 Cr23,635.66 Cr18,259.66 Cr
Long Term Debt --------317.98 Cr340.61 Cr43,826.03 Cr63,770.00 Cr
Total Debt 48,881.00 Cr61,050.00 Cr81,511.00 Cr91,979.00 Cr96,812.00 Cr90,412.00 Cr89,851.00 Cr-407.90 Cr455.53 Cr65,576.61 Cr79,989.21 Cr
Total Equity 4,982.00 Cr5,390.00 Cr7,730.00 Cr8,998.00 Cr7,938.00 Cr-5,546.00 Cr-20,645.00 Cr-147.81 Cr148.95 Cr27,095.94 Cr28,148.66 Cr
Shares Outstanding --------22.56 Cr22.56 Cr22.56 Cr22.67 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -12,272.00 Cr-12,582.00 Cr-15,593.00 Cr-18,136.00 Cr-8,735.00 Cr12,576.00 Cr7,135.00 Cr-5,502.55 Cr-6,430.57 Cr-8,119.05 Cr-15,892.30 Cr
Investing Cash Flow -866.00 Cr24.00 Cr-10,930.00 Cr6,091.00 Cr6,135.00 Cr644.00 Cr-4,526.00 Cr-1,292.15 Cr70.37 Cr-1,787.96 Cr2,630.90 Cr
Financing Cash Flow 12,643.00 Cr15,416.00 Cr26,289.00 Cr11,173.00 Cr1,937.00 Cr-7,631.00 Cr0--9,486.62 Cr6,389.24 Cr11,625.32 Cr12,392.68 Cr
Capital Expenditure -43.00 Cr-128.00 Cr-100.00 Cr-183.00 Cr-85.00 Cr-20.00 Cr4.00 Cr--144.75 Cr-253.00 Cr-273.79 Cr-116.45 Cr
Free Cash Flow -12,315.00 Cr-12,710.00 Cr-15,693.00 Cr-18,319.00 Cr-8,820.00 Cr12,556.00 Cr7,139.00 Cr-5,357.80 Cr-6,683.57 Cr-8,392.84 Cr-16,008.75 Cr
Net Change in Cash -496.00 Cr2,858.00 Cr-234.00 Cr-872.00 Cr-663.00 Cr5,589.00 Cr2,609.00 Cr--2,691.92 Cr29.04 Cr1,718.31 Cr-868.72 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------38.3%30.1%22.5%23.5%
Operating Margin % 84.5%84.4%86.8%86.7%64.7%-129.2%-227.2%68.4%22.0%13.5%17.5%3.9%
Net Margin % 10.0%9.6%24.5%11.6%-7.5%-140.8%-171.6%8.9%-113.9%-30.1%5.7%14.5%
ROE % 12.9%13.9%36.3%14.0%-12.2%242.6%72.9%--5,007.3%-1,326.2%1.8%5.3%
ROCE % --------281.8%168.7%2.1%0.4%

Shareholding Pattern

Insiders
48.67%
Institutions
25.54%
Public Float
49.75%

Analyst View

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Latest News

Recent headlines for PIRAMALFIN

Google News hu, 18 Jun 2026

Piramal Finance Promoters Report No Share Pledge for FY 2025-26 - The Globe and Mail

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Google News Fri, 07 Nov 2025

PIRAMALFIN Stock Price and Chart — NSE:PIRAMALFIN - TradingView

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Google News Sun, 08 Feb 2026

Piramal Finance Limited's (NSE:PIRAMALFIN) 3.1% loss last week hit both individual investors who own 41% as well as institutions - simplywall.st

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Google News Sat, 29 Nov 2025

Piramal Finance Ltd - Equitypandit

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Google News Fri, 07 Nov 2025

"Piramal Finance Shares Price Surges 18% on Market Debut" - HDFC Sky

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Google News Fri, 21 Nov 2025

Piramal Finance Ltd Share Price Today – Live NSE/BSE - INDmoney

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PIRAMALFIN — Frequently Asked Questions

What is the current share price of Piramal Finance Limited (PIRAMALFIN)?

As of 2026-07-15 09:52 IST, Piramal Finance Limited (PIRAMALFIN) trades at ₹2,184.40 on NSE. Its 52-week range is ₹1,315.54 to ₹2,197.10.

What is the market capitalisation of PIRAMALFIN?

Piramal Finance Limited (PIRAMALFIN) has a market capitalisation of ₹49,515.48 Cr on NSE.

What is the P/E ratio of PIRAMALFIN?

PIRAMALFIN trades at a trailing price-to-earnings (P/E) ratio of 33.08. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.75.

Does PIRAMALFIN pay a dividend?

Piramal Finance Limited (PIRAMALFIN) currently offers a dividend yield of 0.51%.

What is the return on equity (ROE) of PIRAMALFIN?

PIRAMALFIN has a return on equity (ROE) of 5.34%. Its return on capital employed (ROCE) is 1.56%.

Is PIRAMALFIN a good stock to buy?

This page provides a data-driven analysis of Piramal Finance Limited (PIRAMALFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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