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Poonawalla Fincorp

₹389.4 4.3 | 1.1%

Market Cap ₹30292 Cr.

Stock P/E 18.3

P/B 3.7

Current Price ₹389.4

Book Value ₹ 103.9

Face Value 2

52W High ₹514

Dividend Yield 0.51%

52W Low ₹ 267.3

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.

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Poonawalla Fincorp Share Price

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Poonawalla Fincorp Quarterly Results

#(Fig in Cr.) Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 455 498 577 693 739 763 915 978 989 1057
Other Income 26 18 4 14 7 11 7 18 8 0
Total Income 481 516 581 707 745 774 922 996 997 1057
Total Expenditure 149 143 152 194 207 178 241 272 1260 632
Operating Profit 332 373 428 513 538 596 680 724 -263 425
Interest Expense 144 159 173 230 216 224 281 320 352 385
Depreciation 14 16 19 15 15 15 14 15 16 15
Profit Before Tax 174 198 236 267 1125 357 385 390 -630 25
Provision for Tax 44 50 56 67 270 92 54 98 -159 6
Profit After Tax 130 148 180 200 855 265 332 292 -471 19
Adjustments 32 34 18 26 6 0 0 0 0 0
Profit After Adjustments 163 182 198 226 860 265 332 292 -471 19
Adjusted Earnings Per Share 2.1 2.4 2.6 2.9 11.2 3.4 4.3 3.8 -6.1 0.2

Poonawalla Fincorp Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Operating Revenue 2096 2355 2650 2513 2291 2457 2513 2319 1540 1939 3109 3939
Other Income 128 205 34 58 38 184 60 34 542 509 574 33
Total Income 2225 2560 2684 2571 2329 2641 2573 2352 2082 2448 3683 3972
Total Expenditure 817 1069 1147 1344 873 1027 1122 1950 1135 1047 1356 2405
Operating Profit 1408 1491 1537 1227 1456 1614 1451 402 947 1400 2327 1566
Interest Expense 1177 1233 1192 1131 1117 1122 1294 1100 509 595 950 1338
Depreciation 33 35 39 49 49 50 75 56 49 61 59 60
Profit Before Tax 198 223 306 47 291 442 82 -749 391 751 2134 170
Provision for Tax 38 36 92 34 54 138 55 -190 92 181 483 -1
Profit After Tax 160 187 213 13 237 304 27 -559 298 570 1652 172
Adjustments -8 -7 -2 8 0 0 0 0 77 114 31 0
Profit After Adjustments 151 181 211 20 237 304 27 -559 375 684 1683 172
Adjusted Earnings Per Share 7.4 9 8.7 0.9 10 11.3 1 -20.7 4.9 8.9 21.8 2.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 60% 10% 5% 4%
Operating Profit CAGR 66% 80% 8% 5%
PAT CAGR 190% 0% 40% 26%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -21% 6% 83% 15%
ROE Average 22% 13% 3% 7%
ROCE Average 15% 10% 8% 10%

Poonawalla Fincorp Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 1654 1787 2164 2172 1972 2744 2748 2194 6056 6861 8167
Minority's Interest 33 40 42 34 0 0 0 0 2 12 0
Borrowings 3219 3569 3313 3109 3642 3929 4823 5238 6996 7245 9147
Current Liability 8087 9247 9656 8081 9252 10091 7643 5757 3376 4331 6765
Other Liabilities & Provisions 185 240 310 206 -210 -113 -68 -271 -185 -39 -155
Total Liabilities 13178 14882 15486 13602 14656 16652 15146 12918 16246 23173 23923
Loans 7380 9100 9495 7824 13570 15007 13546 11361 14851 15219 22046
Investments 292 308 324 473 140 141 151 177 0 242 224
Fixed Assets 173 212 265 278 207 199 242 196 214 221 194
Other Loans 32 23 17 98 105 118 110 101 126 123 182
Other Non Current Assets 202 145 148 205 3 5 7 3 5 6 4
Current Assets 5100 5095 5236 4724 631 1182 1090 1076 867 1340 1222
Total Assets 13178 14882 15486 13602 14656 16652 15146 12918 16246 23173 23923

Poonawalla Fincorp Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 0 0 0 0 135 102 571 206 358 355 512
Cash Flow from Operating Activities 0 0 0 0 390 -923 998 1644 -2873 -5064 -7556
Cash Flow from Investing Activities 0 0 0 0 -36 -98 -281 81 -33 -283 2969
Cash Flow from Financing Activities 0 0 0 0 -387 1491 -1083 -1574 2903 5748 4331
Net Cash Inflow / Outflow 0 0 0 0 -33 469 -365 152 -3 401 -256
Closing Cash & Cash Equivalent 0 0 0 0 102 571 206 358 355 756 255

Poonawalla Fincorp Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 7.39 8.98 8.74 0.86 9.99 11.29 1 -20.73 4.9 8.91 21.84
CEPS(Rs) 10.14 11.65 10.68 2.58 12.07 13.16 3.78 -18.65 4.54 8.22 22.2
DPS(Rs) 0.8 0.8 0.8 0.8 0.8 0.8 0 0 0.4 2 2
Book NAV/Share(Rs) 79.04 86.87 90.72 91.57 83.05 101.44 101.48 80.75 78.88 87.8 105.17
Net Profit Margin 7.61 7.95 8.06 0.51 10.34 12.37 1.08 -24.1 19.35 29.39 53.12
Operating Margin 65.58 61.85 56.51 46.89 61.47 63.67 54.73 15.17 58.39 69.45 99.21
PBT Margin 9.43 9.49 11.54 1.86 12.7 18 3.25 -32.29 25.36 38.74 68.64
ROA(%) 1.21 1.33 1.41 0.09 1.68 1.94 0.17 -3.98 2.04 2.89 7.01
ROE(%) 11.01 11.86 11.23 0.59 11.45 12.94 0.99 -22.76 7.26 8.92 22.25
ROCE(%) 11.56 11.56 10.92 8.97 10.69 10.44 8.99 2.57 6.29 7.93 14.96
Price/Earnings(x) 9.68 10.48 8.49 122.75 15.35 10.41 17.04 0 55.34 32.84 21.32
Price/Book(x) 0.91 1.08 0.82 1.16 1.85 1.16 0.17 1.36 3.44 3.33 4.43
Dividend Yield(%) 1.12 0.85 1.08 0.76 0.52 0.68 0 0 0.15 0.68 0.43
EV/Net Sales(x) 5.16 5.49 4.99 4.87 6.7 6.24 4.67 5.44 19.53 16.98 16.3
EV/Core EBITDA(x) 7.68 8.67 8.59 9.97 10.55 9.5 8.09 31.36 31.75 23.51 21.78
Interest Earned Growth(%) 26.29 12.32 12.52 -5.17 -8.82 7.26 2.29 -7.74 -33.59 25.88 60.38
Net Profit Growth 10.13 17.31 14 -94.04 1760.53 28.33 -91.08 -2166.15 153.32 91.19 189.84
EPS Growth(%) 10.89 21.49 -2.58 -90.14 1059 12.94 -91.11 -2165.33 123.66 81.61 145.19
Interest Coverage(x) % 1.17 1.18 1.26 1.04 1.26 1.39 1.06 0.32 1.77 2.26 3.25

Poonawalla Fincorp Shareholding Pattern

# Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Promoter 62.05 62.14 62.12 62.1 62.07 62.13 62.09 61.87 62.36 62.53
FII 7.3 7.13 7.18 7.91 7.78 7.77 7.85 7.72 8.19 9.98
DII 4.46 6.12 7.99 6.93 5.58 5.81 6.77 9.63 10.84 10.15
Public 26.19 24.61 22.71 23.06 24.56 24.3 23.28 20.77 18.61 17.33
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 40% CAGR over last 5 years

Cons

  • Company has a low return on equity of 13% over the last 3 years.
  • Stock is trading at 3.7 times its book value.

* 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.

Poonawalla Fincorp News

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