WEBSITE BSE:524000 NSE: POONAWALLA Inc. Year: 1978 Industry: Finance - NBFC
Last updated: 11:54
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. Poo...Read More
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. ...Read Less
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Market Cap ₹35577 Cr.
Stock P/E -361.8
P/B 3.5
Current Price ₹437.8
Book Value ₹ 123.3
Face Value 2
52W High ₹570.4
Dividend Yield 0%
52W Low ₹ 267.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 739 | 763 | 915 | 978 | 989 | 1057 | 1166 | 1314 | 1542 | 1818 |
| Other Income | 7 | 11 | 7 | 18 | 8 | 0 | 7 | 0 | 0 | 0 |
| Total Income | 745 | 774 | 922 | 996 | 997 | 1057 | 1173 | 1314 | 1543 | 1818 |
| Total Expenditure | 207 | 178 | 241 | 272 | 1260 | 632 | 615 | 662 | 784 | 855 |
| Operating Profit | 538 | 596 | 680 | 724 | -263 | 425 | 558 | 652 | 759 | 963 |
| Interest Expense | 216 | 224 | 281 | 320 | 352 | 385 | 458 | 546 | 638 | 739 |
| Depreciation | 15 | 15 | 14 | 15 | 16 | 15 | 20 | 22 | 22 | 24 |
| Profit Before Tax | 1125 | 357 | 385 | 390 | -630 | 25 | 80 | 83 | 99 | 200 |
| Provision for Tax | 270 | 92 | 54 | 98 | -159 | 6 | 18 | 21 | 25 | 50 |
| Profit After Tax | 855 | 265 | 332 | 292 | -471 | 19 | 62 | 63 | 74 | 150 |
| Adjustments | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 860 | 265 | 332 | 292 | -471 | 19 | 62 | 63 | 74 | 150 |
| Adjusted Earnings Per Share | 11.2 | 3.4 | 4.3 | 3.8 | -6.1 | 0.2 | 0.8 | 0.8 | 0.9 | 1.9 |
| #(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 | 2355 | 2650 | 2513 | 2291 | 2457 | 2513 | 2319 | 1540 | 1939 | 3109 | 4190 | 5840 |
| Other Income | 205 | 34 | 58 | 38 | 184 | 60 | 34 | 542 | 509 | 574 | 33 | 7 |
| Total Income | 2560 | 2684 | 2571 | 2329 | 2641 | 2573 | 2352 | 2082 | 2448 | 3683 | 4223 | 5848 |
| Total Expenditure | 1069 | 1147 | 1344 | 873 | 1027 | 1122 | 1950 | 1135 | 1047 | 1356 | 2778 | 2916 |
| Operating Profit | 1491 | 1537 | 1227 | 1456 | 1614 | 1451 | 402 | 947 | 1400 | 2327 | 1445 | 2932 |
| Interest Expense | 1233 | 1192 | 1131 | 1117 | 1122 | 1294 | 1100 | 509 | 595 | 950 | 1515 | 2381 |
| Depreciation | 35 | 39 | 49 | 49 | 50 | 75 | 56 | 49 | 61 | 59 | 65 | 88 |
| Profit Before Tax | 223 | 306 | 47 | 291 | 442 | 82 | -749 | 391 | 751 | 2134 | -135 | 462 |
| Provision for Tax | 36 | 92 | 34 | 54 | 138 | 55 | -190 | 92 | 181 | 483 | -37 | 114 |
| Profit After Tax | 187 | 213 | 13 | 237 | 304 | 27 | -559 | 298 | 570 | 1652 | -98 | 349 |
| Adjustments | -7 | -2 | 8 | 0 | 0 | 0 | 0 | 77 | 114 | 32 | 0 | 0 |
| Profit After Adjustments | 181 | 211 | 20 | 237 | 304 | 27 | -559 | 375 | 684 | 1683 | -98 | 349 |
| Adjusted Earnings Per Share | 9 | 8.7 | 0.9 | 10 | 11.3 | 1 | -20.7 | 4.9 | 8.9 | 21.8 | -1.3 | 4.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 35% | 40% | 11% | 6% |
| Operating Profit CAGR | -38% | 15% | -0% | -0% |
| PAT CAGR | -106% | NAN% | NAN% | NAN% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 41% | 13% | 41% | 19% |
| ROE Average | -1% | 10% | 3% | 6% |
| ROCE Average | 5% | 9% | 7% | 9% |
| #(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 | 1787 | 2164 | 2172 | 1972 | 2744 | 2748 | 2194 | 6056 | 6861 | 8167 | 8175 |
| Minority's Interest | 40 | 42 | 34 | 0 | 0 | 0 | 0 | 2 | 12 | 0 | 0 |
| Borrowings | 3569 | 3313 | 3109 | 3642 | 3929 | 4823 | 5238 | 6996 | 7245 | 7111 | 11928 |
| Current Liability | 9247 | 9656 | 8081 | 9252 | 10091 | 7643 | 5757 | 3376 | 4331 | 8659 | 14727 |
| Other Liabilities & Provisions | 240 | 310 | 206 | -210 | -113 | -68 | -271 | -185 | -39 | -14 | -5 |
| Total Liabilities | 14882 | 15486 | 13602 | 14656 | 16652 | 15146 | 12918 | 16246 | 23173 | 23923 | 34824 |
| Loans | 9100 | 9495 | 7824 | 13570 | 15007 | 13546 | 11361 | 14851 | 15219 | 22046 | 32695 |
| Investments | 308 | 324 | 473 | 140 | 141 | 151 | 177 | 0 | 242 | 224 | 185 |
| Fixed Assets | 212 | 265 | 278 | 207 | 199 | 242 | 196 | 214 | 221 | 194 | 244 |
| Other Loans | 23 | 17 | 98 | 105 | 118 | 110 | 101 | 126 | 123 | 172 | 145 |
| Other Non Current Assets | 145 | 148 | 205 | 3 | 5 | 7 | 3 | 5 | 6 | 82 | 140 |
| Current Assets | 5095 | 5236 | 4724 | 631 | 1182 | 1090 | 1076 | 867 | 1340 | 1153 | 1365 |
| Total Assets | 14882 | 15486 | 13602 | 14656 | 16652 | 15146 | 12918 | 16246 | 23173 | 23923 | 34824 |
| #(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 | 0 | 0 | 0 | 135 | 102 | 571 | 206 | 358 | 355 | 512 | 255 |
| Cash Flow from Operating Activities | 0 | 0 | 0 | 390 | -923 | 998 | 1644 | -2873 | -5064 | -7556 | -10569 |
| Cash Flow from Investing Activities | 0 | 0 | 0 | -36 | -98 | -281 | 81 | -33 | -283 | 2969 | -482 |
| Cash Flow from Financing Activities | 0 | 0 | 0 | -387 | 1491 | -1083 | -1574 | 2903 | 5748 | 4331 | 10821 |
| Net Cash Inflow / Outflow | 0 | 0 | 0 | -33 | 469 | -365 | 152 | -3 | 401 | -256 | -231 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 102 | 571 | 206 | 358 | 355 | 756 | 255 | 25 |
| # | 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) | 8.98 | 8.74 | 0.86 | 9.99 | 11.29 | 1 | -20.73 | 4.9 | 8.91 | 21.84 | -1.27 |
| CEPS(Rs) | 11.65 | 10.68 | 2.58 | 12.07 | 13.16 | 3.78 | -18.65 | 4.54 | 8.22 | 22.2 | -0.43 |
| DPS(Rs) | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0 | 0 | 0.4 | 2 | 2 | 0 |
| Book NAV/Share(Rs) | 86.87 | 90.72 | 91.57 | 83.05 | 101.44 | 101.48 | 80.75 | 78.88 | 87.8 | 105.17 | 104.07 |
| Net Profit Margin | 7.95 | 8.06 | 0.51 | 10.34 | 12.37 | 1.08 | -24.1 | 19.35 | 29.39 | 53.12 | -2.35 |
| Operating Margin | 61.85 | 56.51 | 46.89 | 61.47 | 63.67 | 54.73 | 15.17 | 58.39 | 69.45 | 99.21 | 32.93 |
| PBT Margin | 9.49 | 11.54 | 1.86 | 12.7 | 18 | 3.25 | -32.29 | 25.36 | 38.74 | 68.64 | -3.23 |
| ROA(%) | 1.33 | 1.41 | 0.09 | 1.68 | 1.94 | 0.17 | -3.98 | 2.04 | 2.89 | 7.01 | -0.33 |
| ROE(%) | 11.86 | 11.23 | 0.59 | 11.45 | 12.94 | 0.99 | -22.76 | 7.26 | 8.92 | 22.25 | -1.22 |
| ROCE(%) | 11.56 | 10.92 | 8.97 | 10.69 | 10.44 | 8.99 | 2.57 | 6.29 | 7.93 | 14.96 | 4.82 |
| Price/Earnings(x) | 10.48 | 8.49 | 122.75 | 15.35 | 10.41 | 17.04 | 0 | 55.34 | 32.84 | 21.31 | 0 |
| Price/Book(x) | 1.08 | 0.82 | 1.16 | 1.85 | 1.16 | 0.17 | 1.36 | 3.44 | 3.33 | 4.43 | 3.37 |
| Dividend Yield(%) | 0.85 | 1.08 | 0.76 | 0.52 | 0.68 | 0 | 0 | 0.15 | 0.68 | 0.43 | 0 |
| EV/Net Sales(x) | 5.49 | 4.99 | 4.87 | 6.7 | 6.24 | 4.67 | 5.44 | 19.53 | 16.98 | 16.3 | 12.63 |
| EV/Core EBITDA(x) | 8.67 | 8.59 | 9.97 | 10.55 | 9.5 | 8.09 | 31.36 | 31.75 | 23.51 | 21.78 | 36.62 |
| Interest Earned Growth(%) | 12.32 | 12.52 | -5.17 | -8.82 | 7.26 | 2.29 | -7.74 | -33.59 | 25.88 | 60.38 | 34.76 |
| Net Profit Growth | 17.31 | 14 | -94.04 | 1760.53 | 28.33 | -91.1 | -2166.15 | 153.32 | 91.19 | 189.84 | -105.95 |
| EPS Growth(%) | 21.49 | -2.58 | -90.14 | 1059.01 | 12.94 | -91.11 | -2165.33 | 123.66 | 81.61 | 145.24 | -105.83 |
| Interest Coverage(x) % | 1.18 | 1.26 | 1.04 | 1.26 | 1.39 | 1.06 | 0.32 | 1.77 | 2.26 | 3.25 | 0.91 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 62.1 | 62.07 | 62.13 | 62.09 | 61.87 | 62.36 | 62.53 | 62.46 | 63.96 | 63.95 |
| FII | 7.91 | 7.78 | 7.77 | 7.85 | 7.72 | 8.19 | 9.98 | 10.76 | 10.56 | 10.61 |
| DII | 6.93 | 5.58 | 5.81 | 6.77 | 9.63 | 10.84 | 10.15 | 11.3 | 11.36 | 11.31 |
| Public | 23.06 | 24.56 | 24.3 | 23.28 | 20.77 | 18.61 | 17.33 | 15.48 | 14.12 | 14.13 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 47.72 | 47.72 | 48.12 | 48.12 | 48.12 | 48.52 | 48.65 | 48.65 | 51.96 | 51.96 |
| FII | 6.08 | 5.98 | 6.01 | 6.08 | 6.01 | 6.37 | 7.77 | 8.38 | 8.58 | 8.62 |
| DII | 5.33 | 4.29 | 4.5 | 5.25 | 7.49 | 8.43 | 7.9 | 8.8 | 9.23 | 9.19 |
| Public | 17.72 | 18.88 | 18.82 | 18.05 | 16.15 | 14.48 | 13.49 | 12.06 | 11.47 | 11.49 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 76.84 | 76.87 | 77.46 | 77.5 | 77.77 | 77.8 | 77.8 | 77.89 | 81.24 | 81.26 |
* The pros and cons are machine generated.
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