WEBSITE BSE:544597 NSE: PIRAMALFIN Inc. Year: 1984 Industry: Finance - Housing My Bucket: Add Stock
Last updated: 15:59
Piramal Finance Ltd. (PFL) is a prominent non-banking financial company (NBFC) in India and part of the diversified Piramal Enterprises Group. The company\'s focus is on serving the credit needs of retail consumers, MSMEs, and affordable housing, using a multi-product, tech enabled lending model. Previously, Piramal Finance was recognized for its wholesale real estate lending business, but has shifted allocate to more diversified retail lending driven by its broad distribution capabilities of 400+ branches in India and strong tech capabilitie...Read More
Piramal Finance Ltd. (PFL) is a prominent non-banking financial company (NBFC) in India and part of the diversified Piramal Enterprises Group. The company\'s focus is on serving the credit needs of retail consumers, MSMEs, and affordable housing, using a multi-product, tech enabled lending model. Previously, Piramal Finance was recognized for its wholesale real estate lending business, but has shifted allocate to more diversified retail lending driven by its broad distribution capabilities of 400+ branches in India and strong tech capabilities. Piramal Finance provides a comprehensive suite of loan products: • Home Loans & Affordable Housing Loans • Loan Against Property (LAP) • Personal Loans • Business & MSME Loans • Secured and Unsecured Lending Solutions Piramal Finance uses its advanced data analytics, risk modeling, and engagement via digital onboarding to enhance credit assessment and drive faster and seamless loan journeys. Piramal Finance continues to build its business with a focus on risk-prudent growth, diversified funding, and creating a granular and retail-focused loan book. Supported by the financial strength of the Piramal Group, PFL is capitalizing on developing the ability to grow sustainably while meeting India\'s increasing demand for formal credit in emerging urban and semi-urban markets. ...Read Less
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Market Cap ₹37975 Cr.
Stock P/E -5710.6
P/B 1.4
Current Price ₹1675.3
Book Value ₹ 1226
Face Value 2
52W High ₹1955
Dividend Yield 0%
52W Low ₹ 1235.2
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Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2024 | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2623 | 2325 | 2205 | 2207 | 2035 | 2001 | 2365 | 2825 | 2872 | 2918 |
| Other Income | -462 | 4 | 1 | 1 | 26 | 1 | 87 | 54 | 29 | 57 |
| Total Income | 2161 | 2329 | 2206 | 2207 | 2061 | 2001 | 2452 | 2878 | 2900 | 2975 |
| Total Expenditure | 12157 | 2158 | 4895 | 19812 | 1755 | 1487 | 936 | 1374 | 922 | 983 |
| Operating Profit | -9996 | 171 | -2689 | -17605 | 306 | 514 | 1516 | 1504 | 1978 | 1992 |
| Interest Expense | 133 | 58 | 57 | 53 | 51 | 48 | 1305 | 1364 | 1567 | 1646 |
| Depreciation | 40 | 20 | 20 | 20 | 20 | 19 | 55 | 54 | 144 | 57 |
| Profit Before Tax | -10169 | 93 | -2766 | -17677 | 234 | 448 | 156 | 86 | 186 | 289 |
| Provision for Tax | -2662 | 23 | -644 | -4582 | 137 | 133 | 27 | 52 | -78 | -73 |
| Profit After Tax | -7507 | 70 | -2123 | -13095 | 97 | 314 | 129 | 34 | 264 | 362 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 34 | 5 | 63 | 38 |
| Profit After Adjustments | -7507 | 70 | -2123 | -13095 | 97 | 314 | 163 | 39 | 327 | 400 |
| Adjusted Earnings Per Share | -239.2 | 2.2 | -67.6 | -417.3 | 3.1 | 10 | 7.2 | 1.7 | 14.5 | 17.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6420 | 7835 | 9610 | 10849 | 12882 | 9558 | 8771 | 6039 | 6606 | 6703 | 8242 | 10980 |
| Other Income | 9 | 27 | 94 | 202 | 420 | 851 | 32 | 148 | 2445 | 1661 | 1909 | 227 |
| Total Income | 6429 | 7861 | 9704 | 11051 | 13303 | 10409 | 8803 | 6187 | 9051 | 8364 | 10151 | 11205 |
| Total Expenditure | 975 | 1219 | 1565 | 1574 | 4938 | 22656 | 28621 | 1929 | 8013 | 6392 | 5440 | 4215 |
| Operating Profit | 5453 | 6643 | 8139 | 9477 | 8364 | -12247 | -19818 | 4258 | 1038 | 1972 | 4712 | 6990 |
| Interest Expense | 4460 | 5492 | 6674 | 7744 | 9417 | 5736 | 218 | 3349 | 3499 | 3705 | 4497 | 5882 |
| Depreciation | 27 | 30 | 43 | 28 | 51 | 79 | 81 | 52 | 97 | 152 | 190 | 310 |
| Profit Before Tax | 966 | 1121 | 3276 | 1706 | -1104 | -18063 | -20117 | 728 | -12794 | -3616 | -17 | 717 |
| Provision for Tax | 325 | 377 | 480 | 461 | -120 | -4636 | -5066 | 188 | -5392 | -1640 | -10 | -72 |
| Profit After Tax | 641 | 744 | 2796 | 1245 | -984 | -13427 | -15051 | 540 | -7401 | -1975 | -7 | 789 |
| Adjustments | 1 | 5 | 10 | 19 | 18 | -29 | -1 | 0 | 0 | 0 | 0 | 140 |
| Profit After Adjustments | 642 | 749 | 2806 | 1263 | -966 | -13456 | -15052 | 540 | -7401 | -1975 | -7 | 929 |
| Adjusted Earnings Per Share | 22.1 | 25.7 | 89.6 | 40.3 | -30.8 | -428.8 | -479.6 | 0.3 | -3.5 | -0.8 | -0 | 41.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 23% | 11% | -3% | 3% |
| Operating Profit CAGR | 139% | 3% | 0% | -1% |
| PAT CAGR | 0% | NAN% | 0% | NAN% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | 301% | 163% | 23% |
| ROE Average | -0% | -18% | 4% | -96% |
| ROCE Average | 7% | -3% | -6% | 1% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 4981 | 5390 | 7731 | 8998 | 7937 | -5546 | -20645 | 22188 | 14781 | 14895 | 16657 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 36872 | 45119 | 66999 | 70244 | 70672 | 62441 | 40143 | 39722 | 32240 | 34189 | 39615 |
| Current Liability | 13104 | 18082 | 16536 | 26783 | 27556 | 28934 | 50861 | 11648 | 11639 | 14898 | 20474 |
| Other Liabilities & Provisions | 472 | 653 | 1024 | 224 | 3 | -5043 | -10201 | 6082 | 2175 | 1117 | 23 |
| Total Liabilities | 55429 | 69245 | 92290 | 106249 | 106168 | 80786 | 60158 | 79640 | 60835 | 65098 | 76769 |
| Loans | 51040 | 61775 | 72096 | 93115 | 97978 | 66203 | 38455 | 47560 | 41565 | 48276 | 58747 |
| Investments | 1297 | 1557 | 878 | 1742 | 1596 | 3878 | 3660 | 12250 | 11242 | 7498 | 5365 |
| Fixed Assets | 191 | 508 | 211 | 850 | 865 | 920 | 877 | 10820 | 641 | 808 | 723 |
| Other Loans | 285 | 272 | 1043 | 147 | 370 | 330 | 56 | 621 | 14 | 24 | 0 |
| Other Non Current Assets | 1012 | 827 | 824 | 867 | 1043 | 105 | 62 | 158 | 1174 | 1372 | 1955 |
| Current Assets | 1604 | 4306 | 17238 | 9529 | 4316 | 9350 | 17046 | 8229 | 5223 | 6160 | 9024 |
| Total Assets | 55429 | 69245 | 92290 | 106249 | 106168 | 80786 | 60158 | 79640 | 60835 | 65098 | 76769 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 658 | 162 | 3020 | 2795 | 1923 | 1260 | 6849 | 3560 | 4619 | 1928 | 1957 |
| Cash Flow from Operating Activities | -12272 | -12582 | -15593 | -18136 | -8735 | 12576 | 7135 | 8661 | 6723 | -6431 | -9772 |
| Cash Flow from Investing Activities | -866 | 24 | -10930 | 6091 | 6135 | 644 | -4526 | -325 | 72 | 70 | -901 |
| Cash Flow from Financing Activities | 12643 | 15416 | 26289 | 11173 | 1937 | -7631 | 0 | -8366 | -9487 | 6389 | 12525 |
| Net Cash Inflow / Outflow | -496 | 2858 | -234 | -872 | -663 | 5589 | 2609 | -30 | -2692 | 29 | 1852 |
| Closing Cash & Cash Equivalent | 162 | 3020 | 2786 | 1923 | 1260 | 6849 | 9459 | 4619 | 1928 | 1957 | 3809 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 22.05 | 25.68 | 89.62 | 40.28 | -30.78 | -428.77 | -479.63 | 0.25 | -3.46 | -0.85 | -0 |
| CEPS(Rs) | 22.94 | 26.52 | 90.69 | 40.56 | -29.72 | -425.32 | -477.04 | 0.28 | -3.42 | -0.78 | 0.07 |
| DPS(Rs) | 3 | 8 | 4 | 5.5 | 2.5 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 170.38 | 179.91 | 246.63 | 285.9 | 251.55 | -177.54 | -658.75 | 10.39 | 6.92 | 6.37 | 6.67 |
| Net Profit Margin | 9.99 | 9.5 | 29.1 | 11.47 | -7.64 | -140.48 | -171.61 | 8.94 | -112.03 | -29.47 | -0.08 |
| Operating Margin | 84.53 | 84.4 | 103.55 | 87.1 | 64.53 | -128.96 | -226.88 | 67.52 | -140.7 | 1.34 | 54.35 |
| PBT Margin | 15.05 | 14.31 | 34.09 | 15.72 | -8.57 | -188.98 | -229.37 | 12.06 | -193.66 | -53.94 | -0.21 |
| ROA(%) | 1.54 | 1.19 | 3.46 | 1.25 | -0.93 | -14.36 | -21.36 | 0.77 | -10.54 | -3.14 | -0.01 |
| ROE(%) | 18.38 | 14.57 | 43.11 | 14.91 | -11.67 | -1156.25 | 0 | 71.31 | -40.04 | -13.31 | -0.04 |
| ROCE(%) | 13.42 | 10.99 | 12.78 | 9.94 | 8.08 | -13 | -25.83 | 5.92 | -14.92 | 0.15 | 6.68 |
| Price/Earnings(x) | 10.56 | 7.64 | 4.1 | 12.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 1.37 | 1.09 | 1.49 | 1.78 | 0.6 | -0.05 | -0.02 | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 1.28 | 4.07 | 1.09 | 1.08 | 1.66 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 8.57 | 8.08 | 9.32 | 9.69 | 7.65 | 8.68 | 9.12 | 10.37 | 9.18 | 10 | 9.45 |
| EV/Core EBITDA(x) | 10.09 | 9.53 | 11.01 | 11.09 | 11.78 | -6.77 | -4.04 | 14.71 | 58.41 | 34.01 | 16.54 |
| Interest Earned Growth(%) | 99.87 | 22.05 | 22.66 | 12.9 | 18.74 | -25.8 | -8.24 | -31.15 | 9.4 | 1.47 | 22.96 |
| Net Profit Growth | 80.5 | 16.05 | 275.78 | -55.49 | -179.06 | -1264.61 | -12.1 | 103.59 | -1470.24 | 73.31 | 99.66 |
| EPS Growth(%) | 59.17 | 16.45 | 248.99 | -55.06 | -176.42 | -1293.07 | -11.86 | 100.05 | -1470.37 | 75.6 | 99.68 |
| Interest Coverage(x) % | 1.22 | 1.2 | 1.49 | 1.22 | 0.88 | -2.15 | -91.07 | 1.22 | -2.66 | 0.02 | 1 |
| # | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Nov 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.21 | 39.21 | 39.21 | 39.21 | 39.21 | 39.21 | 39.21 | 46.16 | 46.16 | 46.16 |
| FII | 6.45 | 3.15 | 2.89 | 2.47 | 2.47 | 1.92 | 0.25 | 15.1 | 15.58 | 14.63 |
| DII | 3.49 | 3.46 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 14.47 | 16.25 | 18.81 |
| Public | 50.84 | 54.18 | 54.45 | 54.87 | 54.87 | 55.42 | 57.09 | 24.27 | 22.01 | 20.4 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Nov 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 12.3 | 12.3 | 12.3 | 12.3 | 12.3 | 12.3 | 12.3 | 10.46 | 10.46 | 10.46 |
| FII | 2.03 | 0.99 | 0.91 | 0.77 | 0.77 | 0.6 | 0.08 | 3.42 | 3.53 | 3.32 |
| DII | 1.1 | 1.09 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | 3.28 | 3.68 | 4.26 |
| Public | 15.96 | 17 | 17.09 | 17.22 | 17.22 | 17.39 | 17.92 | 5.5 | 4.99 | 4.62 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 31.38 | 31.38 | 31.38 | 31.38 | 31.38 | 31.38 | 31.38 | 22.67 | 22.67 | 22.67 |
* The pros and cons are machine generated.
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