Piramal Finance Ltd
₹ 1,986
1.88%
27 May
- close price
About
Piramal Finance Corporation's main business
is of providing loans to Retail customers for construction or purchase of residential property, loans against property, etc.
Key Points
- Market Cap ₹ 45,034 Cr.
- Current Price ₹ 1,986
- High / Low ₹ 2,073 / 1,235
- Stock P/E 27.8
- Book Value ₹ 1,254
- Dividend Yield 0.00 %
- ROCE 8.59 %
- ROE 7.18 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of -0.57% over last 3 years.
- Dividend payout has been low at 5.40% of profits over last 3 years
- Working capital days have increased from -68.9 days to 74.6 days
* 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,979 | 7,295 | 10,821 | 10,850 | 12,884 | 9,322 | 5,082 | 6,039 | 6,592 | 6,689 | 8,234 | 13,157 | |
| 553 | 683 | 778 | 1,413 | 4,572 | 21,785 | 690 | 1,863 | 5,651 | 6,469 | 3,750 | 4,708 | |
| Operating Profit | 5,426 | 6,613 | 10,043 | 9,437 | 8,312 | -12,463 | 4,391 | 4,175 | 940 | 221 | 4,484 | 8,449 |
| OPM % | 91% | 91% | 93% | 87% | 65% | -134% | 86% | 69% | 14% | 3% | 54% | 64% |
| 2 | 4 | 5 | 14 | -33 | 19 | 6 | -77 | -10,198 | 23 | 180 | 91 | |
| Interest | 4,460 | 5,490 | 6,654 | 7,722 | 9,393 | 5,725 | 2,828 | 3,332 | 3,453 | 3,637 | 4,419 | 6,295 |
| Depreciation | 26 | 24 | 23 | 28 | 51 | 79 | 29 | 52 | 95 | 155 | 193 | 898 |
| Profit before tax | 943 | 1,102 | 3,372 | 1,701 | -1,165 | -18,248 | 1,540 | 714 | -12,806 | -3,549 | 52 | 1,347 |
| Tax % | 34% | 34% | 14% | 27% | -11% | -25% | 33% | 26% | -42% | -46% | 0% | -14% |
| 621 | 729 | 2,896 | 1,240 | -1,036 | -13,612 | 1,034 | 526 | -7,425 | -1,911 | 52 | 1,540 | |
| EPS in Rs | 21.32 | 24.99 | 92.50 | 39.53 | -33.01 | -433.76 | 32.96 | 0.25 | -3.48 | -0.82 | 0.02 | 67.94 |
| Dividend Payout % | 14% | 32% | 4% | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 16% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 21% |
| 3 Years: | 26% |
| TTM: | 60% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 9% |
| 3 Years: | -17% |
| TTM: | 14890% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 157% |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | -6% |
| 5 Years: | 3% |
| 3 Years: | -1% |
| Last Year: | 7% |
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 | 146 | 292 | 313 | 314 | 314 | 314 | 19,284 | 21,365 | 21,365 | 23,365 | 24,965 | 45 |
| Reserves | 4,490 | 4,725 | 7,683 | 8,919 | 7,788 | -5,852 | 2,203 | 895 | -6,465 | -8,360 | -8,245 | 28,390 |
| 48,881 | 61,050 | 81,264 | 91,712 | 96,521 | 90,412 | 29,867 | 46,416 | 40,611 | 45,064 | 56,033 | 78,724 | |
| 1,098 | 1,787 | 3,038 | 5,367 | 1,852 | 964 | 1,303 | 11,027 | 6,237 | 5,311 | 4,209 | 2,384 | |
| Total Liabilities | 54,615 | 67,853 | 92,298 | 106,312 | 106,475 | 85,838 | 52,657 | 79,702 | 61,748 | 65,380 | 76,961 | 109,542 |
| 188 | 202 | 209 | 850 | 865 | 920 | 10,358 | 10,820 | 683 | 873 | 769 | 756 | |
| CWIP | 796 | 579 | 634 | 129 | 104 | 105 | 8 | 12 | 0 | 10 | 1 | 0 |
| Investments | 1,006 | 893 | 13,535 | 8,086 | 2,361 | 3,881 | 11,352 | 13,914 | 13,175 | 8,647 | 8,085 | 10,494 |
| 52,624 | 66,179 | 77,920 | 97,247 | 103,145 | 80,932 | 30,940 | 54,956 | 47,890 | 55,849 | 68,107 | 98,293 | |
| Total Assets | 54,615 | 67,853 | 92,298 | 106,312 | 106,475 | 85,838 | 52,657 | 79,702 | 61,748 | 65,380 | 76,961 | 109,542 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -12,457 | -13,139 | -15,746 | -18,136 | -8,735 | 12,576 | 1,420 | 8,685 | 6,567 | -6,342 | -9,675 | -15,799 | |
| -506 | 505 | -10,442 | 6,091 | 6,135 | 575 | -2,260 | 764 | -24 | -68 | -862 | 2,623 | |
| 12,468 | 15,416 | 26,042 | 11,173 | 1,937 | -7,563 | 534 | -8,390 | -9,246 | 6,428 | 12,403 | 12,194 | |
| Net Cash Flow | -495 | 2,781 | -146 | -872 | -663 | 5,589 | -306 | 1,060 | -2,703 | 18 | 1,866 | -982 |
| Free Cash Flow | -12,483 | -12,961 | -15,838 | -18,319 | -8,820 | 12,556 | 1,402 | 8,639 | 6,537 | -6,569 | -9,542 | -15,842 |
| CFO/OP | -225% | -193% | -148% | -188% | -100% | -101% | 40% | 218% | 655% | -2,873% | -216% | -189% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 12 | 10 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 12 | 10 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -601 | -659 | -366 | -421 | -62 | 39 | 115 | -495 | -52 | -182 | -100 | 75 |
| ROCE % | 11% | 11% | 10% | 10% | 8% | -13% | 6% | 7% | 1% | 0% | 7% | 9% |
Insights
In beta| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Legacy AUM ₹ Crore |
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| Total Assets Under Management (AUM) ₹ Crore |
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| Number of Retail Branches Number |
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| Retail AUM ₹ Crore |
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| Retail Gross NPA (90+ DPD) % |
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| Retail as % of Consolidated AUM % |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Scheme of Arrangement
24h - NCLAT dispensed with Piramal Finance equity shareholders’ meeting for amalgamation scheme; creditor notice conditions remain.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
22 May - Piramal Finance filed its Annual Secretarial Compliance Report for FY ended 31 March 2026.
- Announcement under Regulation 30 (LODR)-Investor Presentation 21 May
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
21 May - Piramal Finance will meet investors on 27 May 2026 at 360 ONE Capital’s TRINITY INDIA conference.
- Announcement under Regulation 30 (LODR)-Investor Presentation 14 May
Annual reports
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
from bse
Concalls
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May 2026TranscriptAI SummaryPPT
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History[1]
Company was founded by Mr Ajay Piramal, as an Upper Layer NBFC. They had housing finance company license earlier. On 4th April 2025, Company received certificate of registration to commence the business of NBFC-ICC without accepting public deposits. In financial services, the company focuses on providing retail loan products such as home loans, loans against property, used car loans, personal loans and small business loans. It also provides wholesale loans with focus on both real estate and non-real estate sectors.