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Poonawalla Fincorp Limited POONAWALLA NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://poonawallafincorp.com
Company Profile ↓
₹480.00
+2.72% 1Y
Mkt Cap₹39,015.25 Cr
P/E70.38
P/B3.79
52W High₹542.50
52W Low₹368.40
Book Value₹127.31
EPS (TTM)₹6.82

Company Overview

Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers prime personal, gold, education, consumer durable, commercial vehicle, shopkeeper, instant consumer, pre-owned car, business, mid-market, machinery and medical equipment, and professional loans, and loan against property, as well as 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 operates as a subsidiary of Rising Sun Holdings Pvt Ltd.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 51.4% CAGR over the past five years.

Healthy Margins

Operating margin of 25.6% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹6,490.61 Cr (+62.2% YoY); net profit ₹541.81 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +62.3%, earnings +287.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 51.4%, profit CAGR -7.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:51.36%
1 Year:62.25%

Compounded Profit Growth

5 Years:-7.47%
1 Year:287.20%

Stock Price Performance

1 Year:+2.72%
6 Months:+6.55%
3 Months:+16.01%
1 Month:+18.97%

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

Technical Snapshot Bullish
52-Week Range 64% of range
₹368.40 ₹542.50
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)65.54 · Neutral
Price Performance
1M+18.97%
3M+16.01%
6M+6.55%
1Y+2.72%
Valuation vs Sector

P/E of 70.38 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 51.4% over 5 years.

CONS

  • Trading at a high P/E of 70.4.
  • Earnings shrank at -7.5% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
70.38
Industry PE
19.81
Forward P/E
20.05
PEG Ratio
-
Book Value
₹127.31
Price to Book
3.79
P/S
14.43
EV/EBITDA
103.04
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
51.36%
Profit 5Y
-7.47%
Revenue (YoY)
62.25%
Earnings (YoY)
287.20%

Profitability & Returns

ROCE
1.83%
ROE
5.24%
ROA
0.90%
Profit Margin
8.35%
Op Margin
25.61%
Gross Margin
44.35%
EPS (Latest Qtr)
₹3.14
EPS (TTM)
₹6.82

Balance Sheet & Liquidity

Debt/Equity
4.68
Quick Ratio
2.99
Current Ratio
1.17
Debt
₹48,435.80 Cr
Total Assets
₹60,271.56 Cr
Current Assets
₹22,204.63 Cr
Working Capital
₹3,214.61 Cr

Ownership

Promoter Holding
61.80%
Chg in Prom Hold
-0.01%
FII / Inst Holding
17.39%
Chg in FII Hold
0.12%

Financial Snapshot

Enterprise Value
₹39,015.25 Cr
Total Revenue (TTM)
₹6,490.61 Cr
EBITDA
₹849.93 Cr
Free Cash Flow
₹-21,892.61 Cr
Operating Cash Flow
₹-21,785.59 Cr
Shares Outstanding
₹81.28 Cr
Gross Margin
44.35%
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 POONAWALLA Poonawalla Fincorp Limited NIFTY_SMALLNSEFINANCIAL 480.00 70.38 ₹39,015.25 Cr 0.00% 1.83% 5.24% 51.36% -7.47%
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 Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 577.00 Cr693.00 Cr739.00 Cr763.00 Cr915.00 Cr978.00 Cr-1,053.37 Cr1,135.53 Cr1,248.16 Cr1,542.00 Cr1,775.38 Cr2,032.34 Cr
Cost of Revenue -------533.47 Cr631.82 Cr759.25 Cr-1,023.65 Cr1,107.14 Cr
Gross Profit -------519.90 Cr503.71 Cr488.91 Cr-751.73 Cr925.20 Cr
Operating Expenses 152.00 Cr194.00 Cr207.00 Cr178.00 Cr241.00 Cr272.00 Cr-142.34 Cr209.99 Cr230.24 Cr784.00 Cr267.10 Cr318.53 Cr
Operating Income -------377.56 Cr293.72 Cr258.67 Cr-484.63 Cr606.67 Cr
EBITDA -------392.83 Cr313.24 Cr280.71 Cr-508.73 Cr632.20 Cr
Interest Expense 173.00 Cr230.00 Cr216.00 Cr224.00 Cr281.00 Cr320.00 Cr----638.00 Cr--
Pretax Income 254.00 Cr293.00 Cr1,130.00 Cr357.00 Cr385.00 Cr390.00 Cr-25.18 Cr80.22 Cr83.44 Cr99.00 Cr200.21 Cr341.07 Cr
Tax Provision 55.88 Cr67.39 Cr271.20 Cr92.82 Cr53.90 Cr97.50 Cr-6.45 Cr17.89 Cr20.84 Cr24.75 Cr49.99 Cr86.28 Cr
Net Income 199.00 Cr226.00 Cr860.00 Cr265.00 Cr332.00 Cr292.00 Cr-18.73 Cr62.33 Cr62.60 Cr74.00 Cr150.22 Cr254.79 Cr
Diluted EPS 2.582.9411.193.454.283.76-0.240.810.810.911.853.14

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 2,534.00 Cr2,656.00 Cr2,524.00 Cr2,290.00 Cr2,457.00 Cr2,513.00 Cr2,319.00 Cr-1,871.66 Cr2,950.64 Cr4,000.48 Cr6,490.61 Cr
Cost of Revenue --------879.83 Cr1,246.26 Cr1,986.19 Cr3,611.71 Cr
Gross Profit --------991.83 Cr1,704.38 Cr2,014.29 Cr2,878.90 Cr
Operating Expenses 1,068.00 Cr1,147.00 Cr1,341.00 Cr872.00 Cr880.00 Cr1,112.00 Cr1,950.00 Cr-467.40 Cr488.85 Cr847.02 Cr1,216.78 Cr
Operating Income --------524.43 Cr1,215.53 Cr1,167.27 Cr1,662.12 Cr
EBITDA --------879.12 Cr2,217.95 Cr-54.01 Cr849.93 Cr
Interest Expense 1,233.00 Cr1,192.00 Cr1,131.00 Cr1,117.00 Cr1,122.00 Cr1,294.00 Cr1,100.00 Cr-50.49 Cr19.43 Cr16.29 Cr32.18 Cr
Pretax Income 223.00 Cr306.00 Cr47.00 Cr291.00 Cr442.00 Cr82.00 Cr-749.00 Cr-751.00 Cr2,134.17 Cr-135.40 Cr723.61 Cr
Tax Provision 35.68 Cr91.80 Cr34.31 Cr55.29 Cr137.02 Cr54.94 Cr187.25 Cr-181.19 Cr482.66 Cr-37.06 Cr181.80 Cr
Net Income 187.00 Cr213.00 Cr13.00 Cr237.00 Cr304.00 Cr27.00 Cr-559.00 Cr-683.98 Cr1,682.75 Cr-98.34 Cr541.81 Cr
Diluted EPS 9.498.930.869.9911.291.00-20.73-8.8621.63-1.276.82

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 14,882.00 Cr15,525.00 Cr13,622.00 Cr14,894.00 Cr16,789.00 Cr15,240.00 Cr13,212.00 Cr-23,220.61 Cr24,086.90 Cr34,944.66 Cr60,271.56 Cr
Current Assets --------9,879.35 Cr11,565.93 Cr13,683.10 Cr22,204.63 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 Cr26,770.00 Cr49,923.41 Cr
Current Liabilities --------7,345.08 Cr8,659.11 Cr14,654.57 Cr18,990.02 Cr
Long Term Debt --------5,371.07 Cr7,110.98 Cr11,928.10 Cr30,630.28 Cr
Total Debt --------11,209.16 Cr15,215.72 Cr26,081.24 Cr48,435.80 Cr
Total Equity 1,655.00 Cr2,151.00 Cr2,172.00 Cr1,972.00 Cr2,744.00 Cr2,748.00 Cr2,194.00 Cr-6,861.40 Cr8,167.08 Cr8,174.66 Cr10,348.15 Cr
Shares Outstanding --------76.79 Cr77.46 Cr77.80 Cr81.28 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -305.00 Cr733.00 Cr2,949.00 Cr390.00 Cr-923.00 Cr998.00 Cr1,644.00 Cr--5,063.87 Cr-7,556.49 Cr-10,569.43 Cr-21,785.59 Cr
Investing Cash Flow -36.00 Cr-254.00 Cr-186.00 Cr-36.00 Cr-98.00 Cr-281.00 Cr81.00 Cr--283.12 Cr2,969.35 Cr-481.91 Cr-1,340.32 Cr
Financing Cash Flow 171.00 Cr-498.00 Cr-2,844.00 Cr-387.00 Cr1,490.00 Cr-1,083.00 Cr-1,574.00 Cr-5,748.47 Cr4,330.67 Cr10,820.81 Cr23,387.26 Cr
Capital Expenditure 000-19.00 Cr-46.00 Cr-49.00 Cr-11.00 Cr--81.02 Cr-17.91 Cr-43.32 Cr-107.02 Cr
Free Cash Flow -305.00 Cr733.00 Cr2,949.00 Cr371.00 Cr-969.00 Cr949.00 Cr1,633.00 Cr--5,144.89 Cr-7,574.40 Cr-10,612.75 Cr-21,892.61 Cr
Net Change in Cash -169.00 Cr-20.00 Cr-81.00 Cr-33.00 Cr469.00 Cr-365.00 Cr152.00 Cr-401.48 Cr-501.01 Cr-230.53 Cr261.35 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------53.0%57.8%50.4%44.4%
Operating Margin % --------28.0%41.2%29.2%25.6%
Net Margin % 7.4%8.0%0.5%10.3%12.4%1.1%-24.1%-36.5%57.0%-2.5%8.3%
ROE % 11.3%9.9%0.6%12.0%11.1%1.0%-25.5%-10.0%20.6%-1.2%5.2%
ROCE % --------3.3%7.9%5.8%4.0%

Shareholding Pattern

Insiders
61.80%
Institutions
17.39%
Public Float
45.51%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for POONAWALLA

Google News ue, 14 Jul 2026

Stocks To Watch Today: HCLTech, ICICI Prudential AMC, BEL, Poonawalla Fincorp & More - NDTV Profit

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Google News Mon, 06 Jul 2026

Stock Radar: Poonawalla Fincorp showing signs of bottoming out after falling 20% from highs; time to buy? - The Economic Times

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Google News Mon, 29 Jun 2026

HOT STOCKS: KEI Closes Above 21-DMA; SCHNEIDER, WHEELS, NATIONALUM Lead Gainers | HINDPETRO Slips Below 100-DMA; BANKBARODA, POONAWALLA, MGL Among Top Losers | LINDEINDIA, KARURVYSYA, DMART Close Above 50-SMA; VI - MarketSmith India

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Google News Fri, 10 Jul 2026

Poonawalla Fincorp allots ₹200 Cr Tier-2 NCDs at 8.43% coupon - scanx.trade

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Google News ue, 07 Jul 2026

Poonawalla Fincorp approves ₹200 crore Tier II NCD issue via private placement - CNBC TV18

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Google News Wed, 06 May 2026

Poonawalla Fincorp shares rise 6% on strong profit growth in Q4 - BusinessLine

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POONAWALLA — Frequently Asked Questions

What is the current share price of Poonawalla Fincorp Limited (POONAWALLA)?

As of 2026-07-15 09:52 IST, Poonawalla Fincorp Limited (POONAWALLA) trades at ₹480.00 on NSE. Its 52-week range is ₹368.40 to ₹542.50.

What is the market capitalisation of POONAWALLA?

Poonawalla Fincorp Limited (POONAWALLA) has a market capitalisation of ₹39,015.25 Cr on NSE.

What is the P/E ratio of POONAWALLA?

POONAWALLA trades at a trailing price-to-earnings (P/E) ratio of 70.38. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.79.

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

POONAWALLA has a return on equity (ROE) of 5.24%. Its return on capital employed (ROCE) is 1.83%.

Is POONAWALLA a good stock to buy?

This page provides a data-driven analysis of Poonawalla Fincorp Limited (POONAWALLA), 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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