Poonawalla Fincorp Ltd

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

Poonawalla Fincorp Ltd

₹ 483 -1.86%
03 May 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

Pre-owned car loans Segment
During FY22, the Co. entered into partnerships with various digital aggregator platforms for accelerating the growth of this segment. This business comprised retail customers with an average ticket size in March 2022 of ~Rs. 3.5 Lakhs. It plans to grow this segment by 15-20% by FY25 and enhance digital aggregators to provide efficient services. [1]

Website BSE NSE
  • Market Cap ₹ 37,465 Cr.
  • Current Price ₹ 483
  • High / Low ₹ 520 / 319
  • Stock P/E 33.4
  • Book Value ₹ 105
  • Dividend Yield 0.41 %
  • ROCE 11.1 %
  • ROE 15.4 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 32.5% CAGR over last 5 years

Cons

  • Stock is trading at 4.61 times its book value
  • Company has a low return on equity of 11.6% over last 3 years.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.1,260 Cr.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 435 373 393 387 383 407 455 501 577 699 738 763 915
Interest 191 147 128 124 110 119 144 159 173 235 216 224 281
1,078 157 158 151 158 164 149 143 152 194 207 178 241
Financing Profit -834 69 107 113 115 124 162 199 252 269 316 361 393
Financing Margin % -192% 18% 27% 29% 30% 31% 36% 40% 44% 39% 43% 47% 43%
12 5 4 7 15 43 26 18 4 14 1,228 11 7
Depreciation 13 11 12 13 14 12 14 16 19 15 15 15 14
Profit before tax -835 63 98 107 117 155 174 201 237 268 1,529 357 385
Tax % 25% 21% 25% 25% 24% 20% 25% 25% 24% 25% 18% 26% 14%
-626 50 74 80 89 124 130 150 181 200 1,259 265 332
EPS in Rs -23.21 0.65 0.97 1.05 1.17 1.62 1.70 1.97 2.35 2.61 16.38 3.45 4.28
Gross NPA % 4.79% 1.77% 3.29% 2.68% 1.77% 1.69% 1.44% 1.42% 1.36% 1.33% 1.16%
Net NPA % 2.90% 2.27% 0.94% 1.30% 1.11% 0.94% 0.89% 0.78% 0.76% 0.72% 0.70% 0.59%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 1,584 1,856 2,030 2,120 1,993 2,063 2,234 2,178 1,849 1,536 2,193 3,114
Interest 887 1,055 1,061 998 943 1,013 1,018 1,124 875 509 595 955
503 609 774 836 1,025 800 797 989 1,723 623 607 820
Financing Profit 194 192 194 286 25 251 419 64 -748 404 990 1,338
Financing Margin % 12% 10% 10% 14% 1% 12% 19% 3% -40% 26% 45% 43%
22 20 15 19 34 35 34 41 28 30 -162 1,260
Depreciation 37 33 35 39 48 49 50 72 52 49 61 59
Profit before tax 179 178 175 266 11 237 403 34 -773 385 767 2,539
Tax % 31% 24% 15% 30% 43% 15% 32% 129% 25% 24% 24% 19%
123 136 149 187 6 201 275 -10 -578 293 585 2,056
EPS in Rs 6.46 7.13 7.83 7.90 0.26 8.49 10.22 -0.37 -21.45 3.83 7.62 26.54
Dividend Payout % 12% 11% 10% 10% 311% 9% 8% 0% 0% 10% 26% 0%
Compounded Sales Growth
10 Years: 5%
5 Years: 7%
3 Years: 19%
TTM: 42%
Compounded Profit Growth
10 Years: 24%
5 Years: 33%
3 Years: 58%
TTM: 97%
Stock Price CAGR
10 Years: 20%
5 Years: 31%
3 Years: 58%
1 Year: 46%
Return on Equity
10 Years: 7%
5 Years: 6%
3 Years: 12%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 38 38 38 47 47 47 54 54 54 153 154 154
Reserves 1,136 1,226 1,345 1,984 1,990 1,763 2,502 2,461 1,888 5,562 6,271 7,962
Preference Capital 161 114 97 13 0 0 0 0 0 0 0
9,432 8,835 9,724 9,825 8,491 11,098 11,750 10,060 7,949 6,773 11,209 15,216
1,137 1,219 1,204 1,052 891 659 682 380 451 322 388 704
Total Liabilities 11,742 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036
166 157 195 202 211 191 184 221 171 174 207 194
CWIP 8 25 8 12 5 1 4 6 0 0 5 0
Investments 285 321 241 458 580 306 302 402 429 820 311 878
11,282 10,815 11,867 12,237 10,623 13,070 14,498 12,326 9,742 11,815 17,499 22,963
Total Assets 11,742 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
807 1,260 83 714 2,406 211 -584 1,661 2,088 -1,649 -4,073 -6,986
-285 -76 22 -244 -180 -36 -77 -241 93 -525 -5 2,993
-6 -1,696 -201 -498 -2,301 -209 1,135 -1,782 -2,120 2,244 4,344 3,647
Net Cash Flow 516 -512 -96 -28 -75 -34 475 -363 60 70 266 -346

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 11% 11% 11% 11% 0% 10% 13% -0% -26% 8% 9% 15%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
73.20% 72.52% 68.25% 61.50% 61.49% 61.48% 62.05% 62.14% 62.12% 62.10% 62.07% 62.13%
5.34% 5.94% 5.82% 6.58% 7.35% 7.48% 7.30% 7.13% 7.18% 7.91% 7.79% 7.76%
9.70% 6.98% 6.55% 6.23% 5.72% 5.14% 4.46% 6.12% 7.99% 6.94% 5.58% 5.81%
11.76% 14.56% 19.37% 25.69% 25.43% 25.88% 26.18% 24.61% 22.71% 23.06% 24.57% 23.79%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.52%
No. of Shareholders 49,03066,3171,19,0341,64,8051,93,0211,92,2832,10,8522,08,4191,85,8032,02,7051,95,3342,03,244

* 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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