Poonawalla Fincorp Ltd

Poonawalla Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Poonawalla Fincorp Ltd

₹ 420 0.12%
14 May 12:20 p.m.
poonawallafincorp.com BSE: 524000 NSE: POONAWALLA
About

Poonawalla Fincorp Limited (erstwhile Magma Fincorp Limited) is a non-deposit taking NBFC registered with RBI. It is engaged in providing consumer and MSME financing, as well as General Insurance services. [1][2]

Key Points

Promoter
As of Sep 2024, the Cyrus Poonawalla group holds a 61.87% stake in the company through Rising Sun Holdings Private Limited (RSHPL). RSHPL is the core investment company of the group, having investments in insurance, retail, pharma, and the financial services segment. RSHPL made an equity infusion of Rs. 3,206 Cr in the company in May 2021. [1] [2]

Website BSE NSE
  • Market Cap ₹ 36,991 Cr.
  • Current Price ₹ 420
  • High / Low ₹ 570 / 361
  • Stock P/E 68.3
  • Book Value ₹ 127
  • Dividend Yield 0.00 %
  • ROCE 7.51 %
  • ROE 5.88 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 3.31 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -4.92%
  • Company has a low return on equity of 6.37% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 2.50% of profits over last 3 years

* 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50 BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
577 699 738 763 915 978 989 1,057 1,166 1,314 1,542 1,818 2,115
Interest 173 235 216 224 281 320 352 385 458 546 638 739 844
152 194 207 178 241 272 1,260 632 615 662 784 855 910
Financing Profit 252 269 316 361 393 386 -622 40 93 105 121 224 362
Financing Margin % 44% 39% 43% 47% 43% 39% -63% 4% 8% 8% 8% 12% 17%
4 14 1,228 11 7 18 8 0 7 0 0 0 5
Depreciation 19 15 15 15 14 15 16 15 20 22 22 24 26
Profit before tax 237 268 1,529 357 385 390 -630 25 80 83 99 200 341
Tax % 24% 25% 18% 26% 14% 25% -25% 26% 22% 25% 25% 25% 25%
181 200 1,259 265 332 292 -471 19 62 63 74 150 255
EPS in Rs 2.35 2.61 16.38 3.45 4.28 3.76 -6.06 0.24 0.80 0.80 0.91 1.85 3.13
Gross NPA % 1.44% 1.42% 1.36% 1.33% 1.16% 0.67% 2.10% 1.85% 1.84% 1.84% 1.59% 1.51% 1.44%
Net NPA % 0.78% 0.76% 0.72% 0.70% 0.59% 0.32% 0.33% 0.81% 0.85% 0.85% 0.81% 0.80% 0.74%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
2,030 2,120 1,993 2,063 2,234 2,178 1,849 1,536 2,193 5,827 4,190 6,790
Interest 1,061 998 943 1,013 1,018 1,124 875 509 595 955 1,515 2,767
774 836 1,025 800 797 989 1,723 623 607 817 2,778 3,211
Financing Profit 194 286 25 251 419 64 -748 404 990 4,055 -103 812
Financing Margin % 10% 14% 1% 12% 19% 3% -40% 26% 45% 70% -2% 12%
15 19 34 35 34 41 28 30 -162 -1,457 33 5
Depreciation 35 39 48 49 50 72 52 49 61 59 65 94
Profit before tax 175 266 11 237 403 34 -773 385 767 2,539 -135 724
Tax % 15% 30% 43% 15% 32% 129% -25% 24% 24% 19% -27% 25%
149 187 6 201 275 -10 -578 293 585 2,056 -98 542
EPS in Rs 7.83 7.90 0.26 8.49 10.22 -0.37 -21.45 3.83 7.62 26.54 -1.26 6.67
Dividend Payout % 10% 10% 311% 9% 8% 0% 0% 10% 26% 8% 0% 0%
Compounded Sales Growth
10 Years: 12%
5 Years: 30%
3 Years: 46%
TTM: 62%
Compounded Profit Growth
10 Years: 11%
5 Years: 24%
3 Years: -2%
TTM: 618%
Stock Price CAGR
10 Years: 16%
5 Years: 26%
3 Years: 8%
1 Year: 7%
Return on Equity
10 Years: 5%
5 Years: 7%
3 Years: 6%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 38 47 47 47 54 54 54 153 154 154 155 162
Reserves 1,345 1,984 1,990 1,763 2,502 2,461 1,888 5,562 6,271 7,962 7,969 10,136
Borrowing 9,821 9,838 8,491 11,098 11,750 10,060 7,949 6,773 11,209 15,216 26,081 48,436
1,107 1,039 891 659 682 380 451 322 388 704 774 1,488
Total Liabilities 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,979 60,221
195 202 211 191 184 221 171 174 207 194 244 427
CWIP 8 12 5 1 4 6 0 0 5 0 10 0
Investments 241 458 580 306 302 402 429 820 510 878 1,342 2,490
11,867 12,237 10,623 13,070 14,498 12,326 9,742 11,815 17,300 22,963 33,383 57,303
Total Assets 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,979 60,221

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
83 714 2,406 211 -584 1,661 2,088 -1,649 -3,900 -6,986 -10,569 -21,786
22 -244 -180 -36 -77 -241 93 -525 -177 2,993 -482 -1,340
-201 -498 -2,301 -209 1,135 -1,782 -2,120 2,244 4,344 3,647 10,821 23,387
Net Cash Flow -96 -28 -75 -34 475 -363 60 70 266 -346 -231 261
Free Cash Flow 26 665 2,348 192 -628 1,613 2,077 -1,679 -3,955 -6,973 -10,597 -21,887
CFO/OP 10% 63% 258% 24% -38% 140% 1,654% -178% -244% -126% -749% -609%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 11% 11% 0% 10% 13% -0% -26% 8% 9% 16% -1% 6%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Assets Under Management (AUM)
₹ Crore

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Disbursements
₹ Crore
Number of Branches
Count
Gross NPA (GNPA)
%
Employee Count
Count

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Apr 2026
62.10% 62.07% 62.13% 62.09% 61.87% 62.36% 62.53% 62.46% 63.96% 63.95% 63.93% 59.03%
7.91% 7.79% 7.76% 7.85% 7.72% 8.19% 9.99% 10.76% 10.56% 10.61% 10.21% 11.25%
6.94% 5.58% 5.81% 6.77% 9.63% 11.82% 11.12% 12.26% 12.28% 12.22% 12.14% 16.67%
23.06% 24.57% 23.79% 22.64% 20.12% 16.98% 15.71% 13.86% 12.58% 12.62% 13.15% 12.49%
0.00% 0.00% 0.52% 0.66% 0.65% 0.65% 0.65% 0.65% 0.62% 0.59% 0.59% 0.55%
No. of Shareholders 2,02,7051,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,5981,91,5081,86,8631,87,448

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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