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Poonawalla Fincorp share price

Poonawalla Fincorp Ltd.

NSE: POONAWALLA BSE: 524000 SECTOR: Finance - NBFC  1.59 L   353   66

526.55
-10.65 (-1.98%)
BSE: 08 Oct 04:01 PM

Price Summary

Today's High

₹ 536.6

Today's Low

₹ 517

52 Week High

₹ 570.4

52 Week Low

₹ 267.25

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
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

44524.69 Cr.

Advances

32694.96 Cr.

No. of Shares

84.56 Cr.

P/E

0

P/B

4.03

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  130.76

Operating Revenue

4189.76 Cr.

Net Profit

-98.34 Cr.

Promoter Holding

62.46 %

EPS (TTM)

₹  -3.87

Sales Growth

34.57

ROE

-1.23 %

ROCE

4.82%

Profit Growth

-104.78 %

* 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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Index Presence

The company is present in 20Indices.

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

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Ratios

Income Growth

1 Year34.57%
3 Year39.72%
5 Year13.98%

Profit Growth

1 Year-104.78%
3 Year-169.48%
5 Year-250.9%

ROE%

1 Year-1.23%
3 Year12.37%
5 Year3.75%

ROCE %

1 Year4.82%
3 Year10.35%
5 Year8%

ROA%

-0.3354

PEG Ratio

1.3

PAT Margin (%)

-2.3472

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 62.46 0.00
Mar 2025 62.53 0.00
Dec 2024 62.36 0.00
Sep 2024 61.87 0.00
Jun 2024 62.09 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 39.715243284874%.
  • The company boasts a well-maintained advances growth ratio of 45.2084696766045%.
  • Promoters shareholding is 62.46%.

 Limitations

  • PAT margin has shrunk by 68.3809%.
  • Provision and contingencies have increased by 154.533324861808%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 977.59 988.87 1057.03 1166.27 1313.97
Other Income 18.27 7.63 0.14 7.04 0.04
Interest Expended 320.1 351.59 385.02 458.38 546.09
Operating Expenses 271.6 1259.56 631.7 615.19 662.44
Total Provisions 0 0 0 0 0
Depreciation 14.51 15.8 15.27 19.52 22.04
Profit Before Tax 389.65 -630.45 25.18 80.22 83.44
Tax 98.01 -159.41 6.45 17.89 20.84
Net Profit 291.64 -471.04 18.73 62.33 62.6
Adjusted EPS (RS) 3.79 -6.1 0.24 0.81 0.81

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 1848.73 1536.22 1940.33 3113.5 4189.76
Other Income 28.12 542.25 509.14 573.97 33.08
Interest 874.6 509.29 595.28 955.1 1515.09
Operating Expenses 441.96 599.46 789.17 788.59 1240.71
Total Provisions 1332.95 585.15 319.66 626.44 1602.44
Exceptional Items 0 0 21.21 1221.2 0
Profit Before Tax -772.65 384.57 766.57 2538.54 -135.4
Tax -194.29 91.37 181.63 482.58 -37.06
Profit After Tax -578.36 293.2 584.94 2055.96 -98.34
Adjusted EPS (Rs.) -21.45 3.83 7.62 26.68 -1.27

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 53.92 152.98 153.59 154.11 154.58
Total Reserves 1888.14 5561.52 6271.11 7962.29 7969.4
Borrowings 3249.46 3942.94 7245.23 7110.98 11928.1
Other N/C liabilities -277.29 -193.69 -37.28 -13.69 -5.24
Current liabilities 5129.79 3142.12 4343.29 8659.11 14726.94
Total Liabilities 10044.02 12605.87 17975.94 23872.8 34773.78
Assets
Loans 8565.31 10678.37 15229.45 22046.41 32694.96
Net Block 171.31 174.32 207.13 194.13 243.73
Capital WIP 0 0 0 0 0
Intangible WIP 0.18 0.46 4.56 0.26 10.43
Investments 428.92 819.71 241.77 224.28 184.76
Other Loans 92.58 113.27 123.33 172.34 144.73
Other N/C Assets 3.09 112.99 821.48 82.01 129.84
Current Assets 782.62 706.75 1348.22 1153.37 1365.33
Total Assets 10044.02 12605.87 17975.94 23872.8 34773.78
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 62.09 61.87 62.36 62.53 62.46
rising sun holdings pvt l... 62.09 61.87 62.36 62.53 62.46
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 37.91 38.13 37.64 37.47 37.54
amansa holdings private l... 2.05 2.07 1.95 1.95 1.92
bandhan value fund - - - - 1.05
bank muscat india fund 1.13 1.13 1.13 1.13 1.12
franklin templeton invest... - - - - 1.19
investor education and pr... - - - - 0.07
kotak mahindra trustee co... - - 2.43 2.81 3.34
life insurance corporatio... 1.47 1.80 1.97 2.93 3.21
llp 0.20 0.16 0.16 0.17 0.15
mayank poddar - 2.12 2.12 2.12 1.11
mayank poddar 2.12 - - - 1.01
sbi life insurance co. lt... - 2.66 2.66 2.44 2.53
bandhan sterling value fu... - 1.06 - 1.02 -
investor education and pr... 0.07 0.07 0.07 0.07 -
quant mutual fund - quant... 1.91 1.90 1.90 - -

Annual Reports

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Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

Poonawalla Fincorp’s AUM rises 68% in Q2FY26 6 Oct, 10:16 AM Poonawalla Fincorp informs about updates 6 Oct, 9:39 AM Poonawalla Fincorp raises Rs 1000 crore through NCDs 10 Sep, 4:13 PM Poonawalla Fincorp gets nod to raise Rs 1500 crore via NCDs 4 Sep, 3:43 PM Poonawalla Fincorp raises Rs 350 crore via NCDs 25 Aug, 5:44 PM Poonawalla Fincorp gets nod to raise Rs 500 crore via NCDs 20 Aug, 4:59 PM Poonawalla Fincorp deploys four AI Solutions 31 Jul, 12:30 PM Poonawalla Fincorp informs about press release 31 Jul, 11:09 AM Poonawalla Fincorp informs about proceedings and voting results of AGM 30 Jul, 10:15 AM Poonawalla Fincorp - Quaterly Results 25 Jul, 4:49 PM Poonawalla Fincorp - Quaterly Results 25 Jul, 4:49 PM Poonawalla Fincorp - Quaterly Results 25 Jul, 4:49 PM Poonawalla Fincorp informs about board meeting 21 Jul, 10:20 AM Poonawalla Fincorp informs about allotment of NCDs 15 Jul, 4:35 PM Poonawalla Fincorp gets nod to raise Rs 1500 crore via NCDs 10 Jul, 3:29 PM Poonawalla Fincorp informs about credit rating 5 Jul, 9:55 AM Poonawalla Fincorp’s AUM rises 52.9% in Q1FY26 4 Jul, 11:52 AM Poonawalla Fincorp informs about updates 4 Jul, 9:51 AM Poonawalla Fincorp gets nod to raise Rs 1600 crore through NCDs 20 Jun, 2:30 PM Poonawalla Fincorp gets nod to raise upto Rs 500 crore through NCDs 9 Jun, 4:15 PM Poonawalla Fincorp informs about press release 9 Jun, 9:46 AM Poonawalla Fincorp launches Industry-First 24/7 fully digital business loans for MSMEs 9 Jun, 9:17 AM Poonawalla Fincorp gets nod to raise Rs 300 crore 2 Jun, 4:44 PM Poonawalla Fincorp informs about press release 22 May, 11:12 AM Poonawalla Fincorp accelerates AI-led Transformation in customer engagement and compliance 22 May, 10:50 AM Poonawalla Fincorp raises Rs 565 crore through NCDs 20 May, 9:58 AM Poonawalla Fincorp informs about press release 17 May, 4:24 PM Poonawalla Fincorp implements advanced AI - powered debt management platform 28 Apr, 10:00 AM Poonawalla Fincorp informs about press release 28 Apr, 9:07 AM Poonawalla Fincorp - Quaterly Results 25 Apr, 5:16 PM Poonawalla Fincorp - Quaterly Results 25 Apr, 5:16 PM Poonawalla Fincorp - Quaterly Results 25 Apr, 5:16 PM Poonawalla Fincorp raises Rs 1525 crore through NCDs 22 Apr, 9:39 AM Poonawalla Fincorp informs about press release 22 Apr, 9:34 AM Poonawalla Fincorp gets nod to raise funds up to Rs 1,875 crore via NCDs 16 Apr, 10:21 AM Poonawalla Fincorp launches gold loan business 15 Apr, 9:30 AM Poonawalla Fincorp launches Shopkeeper Loan Business 8 Apr, 9:57 AM Poonawalla Fincorp informs about press release 8 Apr, 9:30 AM Poonawalla Fincorp informs about updates 3 Apr, 4:57 PM Poonawalla Fincorp informs about credit rating 25 Mar, 10:55 AM Poonawalla Fincorp informs about press release 24 Mar, 9:45 AM Poonawalla Fincorp unveils AI-powered underwriting solution 24 Mar, 9:09 AM Poonawalla Fincorp launches commercial vehicle secured loan business 17 Mar, 10:08 AM Poonawalla Fincorp informs about press release 17 Mar, 9:35 AM Poonawalla Fincorp forays into education loans business 10 Mar, 9:44 AM Poonawalla Fincorp informs about press release 10 Mar, 9:21 AM Poonawalla Fincorp launches PL Prime Digital 24x7 3 Mar, 4:43 PM Poonawalla Fincorp informs about credit rating 15 Feb, 10:00 AM Poonawalla Fincorp informs about newspaper advertisement 1 Feb, 11:54 AM Poonawalla Fincorp - Quaterly Results 31 Jan, 4:31 PM

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

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Poonawalla Fincorp. 

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 Poonawalla Fincorp is Rs -98.34 Cr. and the compounded growth of profit in the past 3 years is -169.479549540802%. The PAT margin of Poonawalla Fincorp is -2.3472%.
  • 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 -104.7688% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Poonawalla Fincorp has a poor ROE track record. The ROE of Poonawalla Fincorp is at -1.2258% 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 526.55. Poonawalla Fincorp is trading at a current P/E ratio of 0 and the average historical P/E for the last 5 years was 25.33006.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Poonawalla Fincorp is trading at a P/B of 4.02697241728474. The average historical P/B for the last 5 years was 3.31522. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Poonawalla Fincorp in Ticker for free. Also, one can get the intrinsic value of Poonawalla Fincorp by using Valuation Calculators, which are available with a Finology ONE subscription. 

Poonawalla Fincorp FAQs

Q1. What is Poonawalla Fincorp share price today?
Ans: The current share price of Poonawalla Fincorp is Rs 526.55.

Q2. What is the market capitalisation of Poonawalla Fincorp?
Ans: Poonawalla Fincorp has a market capitalisation of Rs 44524.6899371 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Poonawalla Fincorp?
Ans: The PE ratio of Poonawalla Fincorp is -136.003202810208 and the P/B ratio of Poonawalla Fincorp is 4.02697241728474, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Poonawalla Fincorp share?
Ans: The 52-week high share price of Poonawalla Fincorp is Rs 570.4, and the 52-week low share price of Poonawalla Fincorp is Rs 267.2.

Q5. Does Poonawalla Fincorp pay dividends?
Ans: Currently, Poonawalla Fincorp does not pay dividends. Dividend yield of Poonawalla Fincorp is around 0%.

Q6. What are the face value and book value of Poonawalla Fincorp shares?
Ans: The face value of Poonawalla Fincorp shares is Rs 2, while the book value per share of Poonawalla Fincorp is around Rs 130.7558. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Poonawalla Fincorp?
Ans: The ROE of Poonawalla Fincorp is -1.2258% and ROCE of Poonawalla Fincorp is 4.824%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Poonawalla Fincorp a good buy for the long term?
Ans: The Poonawalla Fincorp long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Poonawalla Fincorp undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Poonawalla Fincorp appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Poonawalla Fincorp’s financials?
Ans: You can review Poonawalla Fincorp’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Poonawalla Fincorp
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