Poonawalla Fincorp

₹463.4 11.5 | 2.5%

WEBSITE BSE:524000 NSE : POONAWALLA 10 May, 16:01

Market Cap ₹35894 Cr.

Stock P/E 21.2

P/B 4.4

Current Price ₹463.4

Book Value ₹ 105.4

Face Value 2

52W High ₹520

Dividend Yield 0.43%

52W Low ₹ 321.2

Edit Ratio

Poonawalla Fincorp Research see more...

Overview Inc. Year: 1978Industry: Finance - NBFC

Poonawalla Fincorp Ltd, NBFC, offers asset finance offerings in India. The company gives loans for vehicles, SMEs, production system, commercial cars, tractors, and used vehicles. It additionally offers domestic loans; business, expert, and private loans; loans in opposition to property; and vehicle leasing services, as well as engages in standard coverage activities. The organization operates a community of 297 branches. The company was previously referred to as Magma Fincorp Ltd and changed its name to Poonawalla Fincorp Ltd in July 2021. Poonawalla Fincorp Ltd was incorporated in 1978 and is based in Pune, India.

Poonawalla Fincorp Share Price

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Peer Comparison

Poonawalla Fincorp Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	508	384	408	455	498	577	693	739	763	915
Other Income	8	15	22	26	18	4	14	7	11	7
Total Income	516	399	430	481	516	581	707	745	774	922
Total Expenditure	184	158	164	149	143	152	194	207	178	241
Operating Profit	332	242	266	332	373	428	513	538	596	680
Interest Expense	181	110	119	144	159	173	230	216	224	281
Depreciation	14	14	12	14	16	19	15	15	15	14
Profit Before Tax	136	117	142	174	198	236	267	1125	357	385
Provision for Tax	34	28	32	44	50	56	67	270	92	54
Profit After Tax	102	90	111	130	148	180	200	855	265	332
Adjustments	-6	29	30	32	34	18	26	6	0	0
Profit After Adjustments	96	119	141	163	182	198	226	860	265	332
Adjusted Earnings Per Share	1.3	1.6	1.8	2.1	2.4	2.6	2.9	11.2	3.4	4.3

Poonawalla Fincorp Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	1660	2096	2355	2650	2513	2291	2457	2513	2319	1540	1939	3110
Other Income	56	128	205	34	58	38	184	60	34	542	592	39
Total Income	1716	2225	2560	2684	2571	2329	2641	2573	2352	2082	2531	3148
Total Expenditure	540	817	1069	1147	1344	873	1027	1122	1950	1135	1130	820
Operating Profit	1176	1408	1491	1537	1227	1456	1614	1451	402	947	1400	2327
Interest Expense	926	1177	1233	1192	1131	1117	1122	1294	1100	509	595	951
Depreciation	38	33	35	39	49	49	50	75	56	49	61	59
Profit Before Tax	212	198	223	306	47	291	442	82	-749	391	751	2134
Provision for Tax	68	38	36	92	34	54	138	55	-190	92	181	483
Profit After Tax	145	160	187	213	13	237	304	27	-559	298	570	1652
Adjustments	-7	-8	-7	-2	8	0	0	0	0	77	114	32
Profit After Adjustments	138	151	181	211	20	237	304	27	-559	375	684	1683
Adjusted Earnings Per Share	6.7	7.4	9	8.7	0.9	10	11.3	1	-20.7	4.9	8.9	21.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	26%	-8%	-3%	2%
Operating Profit CAGR	48%	-1%	-1%	2%
PAT CAGR	91%	176%	19%	15%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	43%	51%	29%	20%
ROE Average	9%	-2%	1%	6%
ROCE Average	8%	6%	7%	9%

Poonawalla Fincorp Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	1594	1654	1787	2164	2172	1972	2744	2748	2194	6056	6861
Minority's Interest	26	33	40	42	34	0	0	0	0	2	12
Borrowings	3869	3219	3569	3313	3109	3642	3929	4823	5238	6996	7245
Current Liability	7487	8087	9247	9656	8081	9252	10091	7643	5757	3376	4331
Other Liabilities & Provisions	137	185	240	310	206	-210	-113	-68	-271	-185	-39
Total Liabilities	13114	13178	14882	15486	13602	14656	16652	15146	12918	16246	23173
Loans	7174	7380	9100	9495	7824	13570	15007	13546	11361	14851	15219
Investments	200	292	308	324	473	140	141	151	177	0	43
Fixed Assets	182	173	212	265	278	207	199	242	196	214	221
Other Loans	50	32	23	17	98	105	118	110	101	126	123
Other Non Current Assets	217	202	145	148	205	3	5	7	3	5	6
Current Assets	5292	5100	5095	5236	4724	631	1182	1090	1076	867	1539
Total Assets	13114	13178	14882	15486	13602	14656	16652	15146	12918	16246	23173

Poonawalla Fincorp Cash Flow

#(Fig in Cr.)	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	135	102	571	206	358	355
Cash Flow from Operating Activities	390	-923	998	1644	-2873	-5237
Cash Flow from Investing Activities	-36	-98	-281	81	-33	-110
Cash Flow from Financing Activities	-387	1491	-1083	-1574	2903	5748
Net Cash Inflow / Outflow	-33	469	-365	152	-3	401
Closing Cash & Cash Equivalent	102	571	206	358	355	756

Poonawalla Fincorp Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	6.66	7.39	8.98	8.74	0.86	9.99	11.29	1	-20.73	4.9	8.91
CEPS(Rs)	9.61	10.14	11.65	10.68	2.58	12.07	13.16	3.78	-18.65	4.54	8.22
DPS(Rs)	0.8	0.8	0.8	0.8	0.8	0.8	0.8	0	0	0.4	2
Book NAV/Share(Rs)	73.53	79.04	86.87	90.72	91.57	83.05	101.44	101.48	80.75	78.88	87.8
Net Profit Margin	8.73	7.61	7.95	8.06	0.51	10.34	12.37	1.08	-24.1	19.35	29.39
Operating Margin	68.6	65.58	61.85	56.51	46.89	61.47	63.67	54.73	15.17	58.39	69.45
PBT Margin	12.8	9.43	9.49	11.54	1.86	12.7	18	3.25	-32.29	25.36	38.74
ROA(%)	1.36	1.21	1.33	1.41	0.09	1.68	1.94	0.17	-3.98	2.04	2.89
ROE(%)	11.61	11.01	11.86	11.23	0.59	11.45	12.94	0.99	-22.76	7.26	8.92
ROCE(%)	11.77	11.56	11.56	10.92	8.97	10.69	10.44	8.99	2.57	6.29	7.93
Price/Earnings(x)	12.37	9.68	10.48	8.49	122.75	15.35	10.41	17.04	0	55.34	32.84
Price/Book(x)	1.12	0.91	1.08	0.82	1.16	1.85	1.16	0.17	1.36	3.44	3.33
Dividend Yield(%)	0.97	1.12	0.85	1.08	0.76	0.52	0.68	0	0	0.15	0.68
EV/Net Sales(x)	6.59	5.16	5.49	4.99	4.87	6.7	6.24	4.67	5.44	19.53	16.98
EV/Core EBITDA(x)	9.31	7.68	8.67	8.59	9.97	10.55	9.5	8.09	31.36	31.75	23.51
Interest Earned Growth(%)	60.94	26.29	12.32	12.52	-5.17	-8.82	7.26	2.29	-7.74	-33.59	25.88
Net Profit Growth	86.32	10.13	17.31	14	-94.04	1760.53	28.33	-91.08	-2166.15	152.8	91.19
EPS Growth(%)	99.23	10.89	21.49	-2.58	-90.14	1059	12.94	-91.11	-2165.33	123.66	81.61
Interest Coverage(x) %	1.23	1.17	1.18	1.26	1.04	1.26	1.39	1.06	0.32	1.77	2.26

Poonawalla Fincorp Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	68.25	61.5	61.49	61.48	62.05	62.14	62.12	62.1	62.07	62.13
FII	5.82	6.58	7.35	7.48	7.3	7.13	7.18	7.91	7.78	7.77
DII	6.55	6.23	5.72	5.15	4.46	6.12	7.99	6.93	5.58	5.81
Public	19.37	25.69	25.43	25.89	26.19	24.61	22.71	23.06	24.56	24.3
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	52.19	47.04	47.04	47.04	47.47	47.72	47.72	47.72	47.72	48.12
FII	4.45	5.03	5.62	5.73	5.59	5.48	5.51	6.08	5.98	6.01
DII	5.01	4.77	4.38	3.94	3.41	4.7	6.14	5.33	4.29	4.5
Public	14.81	19.65	19.46	19.81	20.04	18.9	17.44	17.72	18.88	18.82
Others	0	0	0	0	0	0	0	0	0	0
Total	76.46	76.49	76.5	76.51	76.51	76.79	76.81	76.84	76.87	77.46

Pros

Cons

Company has a low return on equity of -2% over the last 3 years.
Stock is trading at 4.4 times its book value.
Earnings include an other income of Rs. 592 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.