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Poonawalla Fincorp Limited POONAWALLA NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://poonawallafincorp.com

Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers instant, personal, business, commercial vehicle, consumer durable, gold, education, professional, pre-owned car, medical equipment, and machinery loans; digital personal, and shopkeeper loans; loans against property; and mid-market and NBFC lending. It also provides supply chain financing and credit leasing services. In addition, the company offers insurance services. It serves individuals, salaried and self-employed professionals, students, proprietorship, MSMEs, OPCs, partnership firms, LLPs, private and public companies, private and public trusts, and society. The company was formerly known as Magma Fincorp Limited and changed its name to Poonawalla Fincorp Limited in July 2021. The company was incorporated in 1978 and is based in Mumbai, India. Poonawalla Fincorp Limited is a subsidiary of Rising Sun Holdings Pvt Ltd.

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₹382.85
-5.15% 1Y

Market & Price

Market Cap
₹33,524.26 Cr
Current Price
₹382.85
High / Low (52W)
₹542.50 / ₹368.40
Beta
0.34

Valuation

Stock P/E
56.22
Industry PE
19.12
Forward P/E
16.15
PEG Ratio
-
Book Value
₹127.94
Price to Book
2.99
P/S
11.48
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
2.82%
ROE
5.85%
ROA
1.14%
Profit Margin
18.56%
Op Margin
35.47%
EPS (Latest Qtr)
₹3.14
EPS (TTM)
₹6.81

Balance Sheet & Liquidity

Debt/Equity
4.70
Quick Ratio
11,234.90
Current Ratio
11,271.43
Debt
₹48,435.80 Cr
Total Assets
₹60,271.56 Cr
Current Assets
₹56,467.73 Cr
Working Capital
₹56,462.69 Cr

Ownership

Promoter Holding
62.12%
Chg in Prom Hold
-
FII / Inst Holding
17.96%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹78,768.96 Cr
Total Revenue (TTM)
₹2,919.38 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-21,785.59 Cr
Shares Outstanding
₹87.56 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
51.90%
Profit 5Y
-7.47%
Revenue (YoY)
67.40%
Earnings (YoY)
287.70%

PROS

  • Compounding revenue at 51.9% over 5 years.

CONS

  • Trading at a high P/E of 56.2.
  • Earnings shrank at -7.5% CAGR over 5 years.
  • Trading 29.4% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

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).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 POONAWALLA Poonawalla Fincorp Limited NIFTY_SMALLNSEFINANCIAL 382.85 56.22 ₹33,524.26 Cr - 2.82% 5.85% 51.90% -7.47%
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%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue -1,053.37 Cr1,135.53 Cr1,248.16 Cr1,775.38 Cr2,032.34 Cr
Cost of Revenue -533.47 Cr631.82 Cr759.25 Cr1,023.65 Cr1,107.14 Cr
Gross Profit -519.90 Cr503.71 Cr488.91 Cr751.73 Cr925.20 Cr
Operating Expenses -142.34 Cr209.99 Cr230.24 Cr267.10 Cr318.53 Cr
Operating Income -377.56 Cr293.72 Cr258.67 Cr484.63 Cr606.67 Cr
EBITDA -392.83 Cr313.24 Cr280.71 Cr508.73 Cr632.20 Cr
Interest Expense ------
Pretax Income -25.18 Cr80.22 Cr83.44 Cr200.21 Cr341.07 Cr
Tax Provision -6.45 Cr17.89 Cr20.84 Cr49.99 Cr86.28 Cr
Net Income -18.73 Cr62.33 Cr62.60 Cr150.22 Cr254.79 Cr
Diluted EPS -0.240.810.811.853.14

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,871.66 Cr2,950.64 Cr4,066.76 Cr6,560.56 Cr
Cost of Revenue -879.83 Cr1,246.26 Cr2,151.31 Cr3,784.21 Cr
Gross Profit -991.83 Cr1,704.38 Cr1,915.45 Cr2,776.35 Cr
Operating Expenses -467.40 Cr488.85 Cr640.63 Cr1,077.91 Cr
Operating Income -524.43 Cr1,215.53 Cr1,274.82 Cr1,698.44 Cr
EBITDA -879.12 Cr2,217.95 Cr1,339.92 Cr1,792.58 Cr
Interest Expense 68.45 Cr50.49 Cr19.43 Cr16.29 Cr-
Pretax Income -751.00 Cr2,134.17 Cr-135.40 Cr723.61 Cr
Tax Provision -181.19 Cr482.66 Cr-37.06 Cr181.80 Cr
Net Income -683.98 Cr1,682.75 Cr-98.34 Cr541.81 Cr
Diluted EPS -8.8621.63-1.276.82

Compounded Sales Growth

5 Years:51.90%
1 Year:67.40%

Compounded Profit Growth

5 Years:-7.47%
1 Year:287.70%

Stock Price Performance

1 Year:-5.15%
6 Months:-16.73%
3 Months:-18.21%
1 Month:-8.23%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -23,220.61 Cr24,086.90 Cr35,029.94 Cr60,271.56 Cr
Current Assets -9,879.35 Cr11,565.93 Cr13,747.84 Cr56,467.73 Cr
Cash & Equivalents -601.38 Cr255.18 Cr24.65 Cr286.00 Cr
Inventory -----
Receivables -18.64 Cr22.39 Cr18.39 Cr38.48 Cr
Total Liabilities -16,347.44 Cr15,919.82 Cr26,855.28 Cr49,923.32 Cr
Current Liabilities -7,345.08 Cr8,659.11 Cr14,726.94 Cr5.04 Cr
Long Term Debt -5,371.07 Cr7,110.98 Cr11,928.10 Cr48,098.30 Cr
Total Debt -11,209.16 Cr15,215.72 Cr26,081.24 Cr48,435.80 Cr
Total Equity -6,861.40 Cr8,167.08 Cr8,174.66 Cr10,348.24 Cr
Shares Outstanding -76.79 Cr77.46 Cr77.80 Cr81.28 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --5,063.87 Cr-7,556.49 Cr-10,569.43 Cr-21,785.59 Cr
Investing Cash Flow --283.12 Cr2,969.35 Cr-481.91 Cr-1,340.32 Cr
Financing Cash Flow -5,748.47 Cr4,330.67 Cr10,820.81 Cr23,387.26 Cr
Capital Expenditure --81.02 Cr-17.91 Cr-43.32 Cr-107.02 Cr
Free Cash Flow --5,144.89 Cr-7,574.40 Cr-10,612.75 Cr-21,892.61 Cr
Net Change in Cash -401.48 Cr-501.01 Cr-230.53 Cr261.35 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -53.0%57.8%47.1%42.3%
Operating Margin % -28.0%41.2%31.3%25.9%
Net Margin % -36.5%57.0%-2.4%8.3%
ROE % -10.0%20.6%-1.2%5.2%
ROCE % -3.3%7.9%6.3%2.8%

Shareholding Pattern

Insiders
62.12%
Institutions
17.96%
Public Float
47.40%

Analyst View

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