Poonawalla Fincorp Ltd

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

Poonawalla Fincorp Ltd

₹ 460 0.62%
25 Nov 4:01 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 ₹ 37,318 Cr.
  • Current Price ₹ 460
  • High / Low ₹ 570 / 267
  • Stock P/E 171
  • Book Value ₹ 121
  • Dividend Yield 0.00 %
  • ROCE 4.77 %
  • ROE -1.29 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Promoter holding has increased by 1.50% over last quarter.

Cons

  • Stock is trading at 3.80 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.43% over last 3 years.
  • Company might be capitalizing the interest cost

* 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 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
455 501 577 699 738 763 915 978 989 1,057 1,166 1,314 1,542
Interest 144 159 173 235 216 224 281 320 352 385 458 546 638
149 143 152 194 207 178 241 272 1,260 632 615 662 784
Financing Profit 162 199 252 269 316 361 393 386 -622 40 93 105 121
Financing Margin % 36% 40% 44% 39% 43% 47% 43% 39% -63% 4% 8% 8% 8%
26 18 4 14 1,228 11 7 18 8 0 7 0 0
Depreciation 14 16 19 15 15 15 14 15 16 15 20 22 22
Profit before tax 174 201 237 268 1,529 357 385 390 -630 25 80 83 99
Tax % 25% 25% 24% 25% 18% 26% 14% 25% -25% 26% 22% 25% 25%
130 150 181 200 1,259 265 332 292 -471 19 62 63 74
EPS in Rs 1.70 1.97 2.35 2.61 16.38 3.45 4.28 3.76 -6.06 0.24 0.80 0.80 0.91
Gross NPA % 1.77% 1.69% 1.44% 1.42% 1.36% 1.33% 1.16% 0.67% 2.10% 1.85% 1.84% 1.84% 1.59%
Net NPA % 0.94% 0.89% 0.78% 0.76% 0.72% 0.70% 0.59% 0.32% 0.33% 0.81% 0.85% 0.85% 0.81%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
1,856 2,030 2,120 1,993 2,063 2,234 2,178 1,849 1,536 2,193 5,827 4,190 5,080
Interest 1,055 1,061 998 943 1,013 1,018 1,124 875 509 595 955 1,515 2,027
609 774 836 1,025 800 797 989 1,723 623 607 817 2,778 2,693
Financing Profit 192 194 286 25 251 419 64 -748 404 990 4,055 -103 359
Financing Margin % 10% 10% 14% 1% 12% 19% 3% -40% 26% 45% 70% -2% 7%
20 15 19 34 35 34 41 28 30 -162 -1,457 33 8
Depreciation 33 35 39 48 49 50 72 52 49 61 59 65 79
Profit before tax 178 175 266 11 237 403 34 -773 385 767 2,539 -135 288
Tax % 24% 15% 30% 43% 15% 32% 129% -25% 24% 24% 19% -27%
136 149 187 6 201 275 -10 -578 293 585 2,056 -98 218
EPS in Rs 7.13 7.83 7.90 0.26 8.49 10.22 -0.37 -21.45 3.83 7.62 26.54 -1.26 2.75
Dividend Payout % 11% 10% 10% 311% 9% 8% 0% 0% 10% 26% 8% 0%
Compounded Sales Growth
10 Years: 8%
5 Years: 14%
3 Years: 40%
TTM: 39%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -48%
Stock Price CAGR
10 Years: 17%
5 Years: 58%
3 Years: 14%
1 Year: 28%
Return on Equity
10 Years: 5%
5 Years: 5%
3 Years: 7%
Last Year: -1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 38 38 47 47 47 54 54 54 153 154 154 155 161
Reserves 1,226 1,345 1,984 1,990 1,763 2,502 2,461 1,888 5,562 6,271 7,962 7,969 9,661
Borrowing 8,949 9,821 9,838 8,491 11,098 11,750 10,060 7,949 6,773 11,209 15,216 26,081 35,984
1,105 1,107 1,039 891 659 682 380 451 322 388 704 774 1,102
Total Liabilities 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,979 46,909
157 195 202 211 191 184 221 171 174 207 194 244 323
CWIP 25 8 12 5 1 4 6 0 0 5 0 10 0
Investments 321 241 458 580 306 302 402 429 820 510 878 1,342 1,656
10,815 11,867 12,237 10,623 13,070 14,498 12,326 9,742 11,815 17,300 22,963 33,383 44,930
Total Assets 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,979 46,909

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,260 83 714 2,406 211 -584 1,661 2,088 -1,649 -3,900 -6,986 -10,569
-76 22 -244 -180 -36 -77 -241 93 -525 -177 2,993 -482
-1,696 -201 -498 -2,301 -209 1,135 -1,782 -2,120 2,244 4,344 3,647 10,821
Net Cash Flow -512 -96 -28 -75 -34 475 -363 60 70 266 -346 -231

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 11% 11% 11% 0% 10% 13% -0% -26% 8% 9% 16% -1%

Shareholding Pattern

Numbers in percentages

2 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
62.05% 62.14% 62.12% 62.10% 62.07% 62.13% 62.09% 61.87% 62.36% 62.53% 62.46% 63.96%
7.30% 7.13% 7.18% 7.91% 7.79% 7.76% 7.85% 7.72% 8.19% 9.99% 10.76% 10.56%
4.46% 6.12% 7.99% 6.94% 5.58% 5.81% 6.77% 9.63% 11.82% 11.12% 12.26% 12.28%
26.18% 24.61% 22.71% 23.06% 24.57% 23.79% 22.64% 20.12% 16.98% 15.71% 13.86% 12.58%
0.00% 0.00% 0.00% 0.00% 0.00% 0.52% 0.66% 0.65% 0.65% 0.65% 0.65% 0.62%
No. of Shareholders 2,10,8522,08,4191,85,8032,02,7051,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,598

* 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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