Poonawalla Fincorp Ltd.

NSE: POONAWALLA BSE: 524000 SECTOR: Finance - NBFC  34k   170   27

243.70
+4.80 (2.01%)
NSE: 20 May 03:59 PM

Price Summary

Today's High

₹ 251.1

Today's Low

₹ 240.8

52 Week High

₹ 343.8

52 Week Low

₹ 127.65

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

18642.15 Cr.

Advances

8565.31 Cr.

No. of Shares

76.5 Cr.

P/E

63.58

P/B

3.26

Face Value

₹ 2

Div. Yield

0.16 %

Book Value (TTM)

₹  74.7

Operating Revenue

1848.73 Cr.

Net Profit

-578.36 Cr.

Promoter Holding

61.5 %

EPS (TTM)

₹  3.83

Sales Growth

-15.1

ROE

-26.07 %

ROCE

0.91%

Profit Growth

-5677.37 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-15.1%
3 Year-3.6%
5 Year-2.61%

Profit Growth

1 Year-5677.37%
3 Year-242.18%
5 Year-225.31%

ROE%

1 Year-26.07%
3 Year-4.61%
5 Year-0.61%

ROCE %

1 Year0.91%
3 Year6.66%
5 Year7.83%

ROA%

-5.05223713420867

PEG Ratio

NA

PAT Margin (%)

-31.2842289104908

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 61.5 0
Dec 2021 68.25 0
Sep 2021 72.52 0
Jun 2021 73.2 0
Mar 2021 24.39 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.53539193772938 times the book value
  • Promoters shareholding is 61.5%.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of -4.60906623731672%.
  • PAT margin has shrunk by 30.8245003059555%.
  • The company has delivered poor profit growth of -3.60147334462405% over past 3 years
  • The company has delivered poor Operating Income growth of -3.60147334462405% over past 3 years.
  • Provision and contingencies have increased by 168.487829378496%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Operating Revenue 434.7 372.56 393.43 387.32 382.92
Other Income 11.6 4.86 3.7 6.92 15.38
Interest Expended 190.7 146.79 128.18 123.87 110.44
Operating Expenses 1077.62 157.17 158.35 150.6 157.61
Total Provisions 0 0 0 0 0
Depreciation 13.16 10.6 12.25 12.95 13.7
Profit Before Tax -835.18 62.86 98.35 106.82 116.54
Tax -209.26 13.04 24.32 26.6 27.41
Net Profit -625.92 49.82 74.03 80.22 89.13

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 1977.67 2063.78 2232.64 2177.55 1848.73
Other Income 49.07 37.08 173.07 58.59 28.12
Interest 942.57 1012.55 1017.64 1123.97 874.6
Operating Expenses 505.54 529.06 586.2 583.79 441.96
Total Provisions 567.92 322.15 399 494.19 1332.95
Exceptional Items 0 0 0 0 0
Profit Before Tax 10.71 237.09 402.88 34.18 -772.65
Tax 4.61 35.86 127.75 44.19 -194.29
Profit After Tax 6.1 201.23 275.13 -10.01 -578.36
Adjusted EPS (Rs.) 0.26 8.49 10.22 -0.37 -21.45

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 47.39 47.41 53.86 53.9 53.92
Total Reserves 1990.5 1763.37 2501.94 2461.41 1888.14
Borrowings 2386.77 2926.76 3117.06 2826.18 2515.48
Other N/C liabilities 165.63 -220.04 -123.96 -79.37 -277.29
Current liabilities 6809.24 8805.27 9295.06 7589.09 5863.77
Total Liabilities 11399.54 13322.76 14843.97 12851.22 10044.02
Assets
Loans 6057.15 12154.36 13137.85 11174.91 8565.31
Net Block 210.95 191.07 183.56 221.2 171.39
Capital WIP 5.49 0.12 2.59 0 0
Intangible WIP 0 0.96 0.95 5.53 0.18
Investments 532.84 305.57 302.42 402.42 428.92
Other Loans 187.69 104.01 117.24 103.82 95.59
Other N/C Assets 169.14 1.4 1.53 0 0
Current Assets 4236.28 565.27 1097.81 943.33 782.62
Total Assets 11399.54 13322.76 14843.97 12851.22 10044.02
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 24.39 73.20 72.52 68.25 61.50
microfirm capital ... 12.62 12.62 12.62 12.62 12.62
celica developers ... 10.92 10.92 10.92 10.92 10.92
celica developers ... - - - - -
magma consumer fin... - - - - -
magma consumer fin... 0.68 0.68 0.68 0.68 0.68
mansi poddar 0.11 0.11 0.11 0.11 0.11
shaili poddar 0.05 0.05 0.05 0.05 0.05
kalpana poddar 0.02 0.02 0.02 0.02 0.02
ashita poddar 0.01 0.01 0.01 0.01 0.01
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 75.61 26.80 27.48 31.75 38.50
qfi - corporate 9.67 9.67 - - -
qfi-corporate - - - 9.67 -
true north fund v ... 10.48 10.48 10.48 10.48 7.49
true north fund v ... 10.48 10.48 10.48 10.48 7.49
international fina... 4.77 4.77 4.77 4.77 4.77
lavender investmen... 6.99 6.99 6.99 6.99 5.60
amansa holdings pr... 7.66 7.66 7.66 7.66 7.66
reliance capital t... 6.92 6.92 6.92 - -
nippon life india ... - - - 5.81 -
reliance capital t... - - - - -
leapfrog financial... 4.90 4.90 4.90 4.90 4.90
nippon life india ... - - - - 5.30
leapfrog financial... - - - - -
idfc equity opport... - - - - -
idfc mutual fund 3.07 - - - -
bank muscat india ... 3.25 3.25 3.25 3.25 3.25
life insurance cor... 2.73 2.73 2.73 2.73 2.73
icici prudential l... 2.65 2.65 2.65 2.65 1.75
icici prudential l... - - - - -
icici prudential l... - - - - -
idfc hybrid equity... - 2.62 2.64 2.42 -
idfc emerging busi... - - - - 2.56
goldman sachs indi... 2.11 2.11 2.05 - -
hdfc life insuranc... 1.86 - - - -
hsbc global invest... - - - - -
ambit capital - - - - 1.85
shubhi consultancy... - - - 1.62 1.62
sundaram mutual fu... 1.53 1.33 - - -
hsbc global invest... 1.17 - - - -
mobius investment ... 1.38 - - - -
sundaram mutual fu... - - - - -
sanatan financial ... - - 1.29 - -
rimco india limited 1.11 1.11 1.11 1.11 1.11
ivory consultants ... - - - - 1.07
iepf 0.15 0.15 0.15 0.15 0.15

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Poonawalla Fincorp - Quaterly Results12 May 2022, 6:46PM Poonawalla Fincorp - Quaterly Results12 May 2022, 6:46PM Poonawalla Fincorp informs about disclosure 20 Apr 2022, 10:24AM Poonawalla Fincorp informs about press release19 Apr 2022, 9:34AM Poonawalla Fincorp enters into digital consumption loans space via tie up with KrazyBee19 Apr 2022, 9:20AM Poonawalla Fincorp’s AUM records 17% rise to Rs 16,575 crore in Q4FY226 Apr 2022, 11:27AM Poonawalla Fincorp informs about EGM23 Mar 2022, 4:37PM Poonawalla Fincorp informs about investors meet15 Mar 2022, 1:16PM Poonawalla Fincorp informs about press release9 Mar 2022, 3:07PM Poonawalla Fincorp - Quaterly Results1 Feb 2022, 7:41PM Poonawalla Fincorp - Quaterly Results1 Feb 2022, 7:41PM Poonawalla Fincorp informs about board meeting24 Jan 2022, 2:42PM Poonawalla Fincorp informs about resignation of director13 Jan 2022, 12:54PM Poonawalla Fincorp informs about press release10 Jan 2022, 12:59PM Poonawalla Fincorp informs about investor meet3 Jan 2022, 4:17PM Poonawalla Fincorp informs about investor meet10 Dec 2021, 2:51PM Poonawalla Fincorp informs about investor meet1 Dec 2021, 2:34PM Poonawalla Fincorp informs about allotment under ESOP1 Dec 2021, 12:00PM Poonawalla Fincorp informs about investor meeting29 Nov 2021, 3:59PM Poonawalla Fincorp informs about newspaper advertisement 27 Nov 2021, 10:20AM Poonawalla Fincorp informs about disclosure 24 Nov 2021, 1:41PM Poonawalla Fincorp, CARS24 enter into strategic partnership for seamless consumer financing22 Nov 2021, 2:53PM Poonawalla Fincorp informs about investor meet19 Nov 2021, 10:02AM Poonawalla Fincorp informs about trading window closure1 Nov 2021, 12:17PM Poonawalla Fincorp informs about audio recordings of conference call29 Oct 2021, 9:40AM Poonawalla Fincorp informs about voting result 18 Sep 2021, 10:18AM Poonawalla Fincorp informs about credit rating 26 Aug 2021, 4:32PM Poonawalla Fincorp signs MoU with Institute of Company Secretaries of India 25 Aug 2021, 2:32PM Poonawalla Fincorp informs about transcript of earnings conference call20 Aug 2021, 4:49PM Poonawalla Fincorp informs about postal ballot notice19 Aug 2021, 12:38PM Poonawalla Fincorp informs about newspaper advertisement7 Aug 2021, 3:40PM Poonawalla Fincorp informs about AGM6 Aug 2021, 12:29PM Magma Fincorp informs about press release29 Jul 2021, 2:30PM Magma Fincorp to enter into arrangement for issuance of co-branded credit cards2 Jul 2021, 12:41PM Magma Fincorp informs about press release2 Jul 2021, 10:01AM Magma Fincorp informs about outcome of board meeting2 Jul 2021, 10:00AM Magma Fincorp informs about postal ballot notice25 Jun 2021, 12:12PM Magma Fincorp informs about press release21 Jun 2021, 9:58AM Magma Fincorp informs about annual secretarial compliance report2 Jun 2021, 4:04PM Magma Fincorp’s consolidated net loss widens to Rs 648 crore in Q41 Jun 2021, 1:58PM Magma Fincorp informs about allotment equity shares under ESOP31 May 2021, 12:41PM Magma Fincorp informs about conference call29 May 2021, 9:55AM Magma Fincorp informs about board meeting18 May 2021, 9:57AM Magma Fincorp informs about disclosure10 May 2021, 11:13AM Magma Fincorp informs about disclosure7 May 2021, 12:48PM CCI approves acquisition of majority stake in Magma Fincorp by Adar Poonawalla13 Apr 2021, 11:29AM Magma Fincorp to sell stake in insurance venture Magma HDI17 Mar 2021, 9:56AM Magma Fincorp gets shareholders’ nod to raise up to Rs 3,456 crore10 Mar 2021, 12:48PM Magma Fincorp informs interest payment of NCDs4 Mar 2021, 11:07AM Magma Fincorp gets nod to raise Rs 3,000 crore in FY228 Feb 2021, 9:37AM

Poonawalla Fincorp Stock Price Analysis and Quick Research Report. Is Poonawalla Fincorp an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Poonawalla Fincorp better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs -578.3608 Cr and the compounded growth of profit in the past 3 years is -242.179556461468 %. The PAT margin of Poonawalla Fincorp is -31.2842289104908 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Poonawalla Fincorp , the EPS declined by -5675.20420431279 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Poonawalla Fincorp is at -26.0739131932303 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Poonawalla Fincorp is worth at the current levels at Rs 243.7. The stock is trading at a current P/E ratio of 0 and the average historical P/E for the last 5 years was 88.4805980202517.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Poonawalla Fincorp is trading at a P/B of 3.2576 . The average historical P/B for the last 5 years was 1.24139242398473. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Poonawalla Fincorp

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