Poonawalla Fincorp Ltd

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Poonawalla Fincorp Ltd

₹ 440 -1.94%
13 Oct - close price
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:[1] [2]
As of April 2026, the Cyrus Poonawalla group holds a 59% stake in the company through Rising Sun Holdings Private Limited. The Group has diversified business interests in the Pharmaceuticals & Biotechnology, Finance, Clean Energy, Hospitality & Realty, and Aviation.

Website BSE NSE
  • Market Cap ₹ 38,795 Cr.
  • Current Price ₹ 440
  • High / Low ₹ 545 / 361
  • Stock P/E 35.7
  • Book Value ₹ 156
  • Dividend Yield 0.00 %
  • ROCE 7.51 %
  • ROE 5.89 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 2.83 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 6.38% 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
  • Promoter holding has decreased over last 3 years: -3.09%

* 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 Diversified Financials Revenue Growth Nifty MidSmallcap 400 Nifty Smallcap 50 Nifty 500 Multicap 50:25:25 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
738 763 915 978 989 1,057 1,166 1,314 1,542 1,818 2,115 2,330 2,624
Interest 216 224 281 320 352 385 458 546 638 739 844 922 1,035
207 178 241 272 1,260 632 615 662 784 855 910 974 1,054
Financing Profit 316 361 393 386 -622 40 93 105 121 224 362 435 535
Financing Margin % 43% 47% 43% 39% -63% 4% 8% 8% 8% 12% 17% 19% 20%
1,228 11 7 18 8 0 7 0 0 0 5 7 0
Depreciation 15 15 14 15 16 15 20 22 22 24 26 30 34
Profit before tax 1,529 357 385 390 -630 25 80 83 99 200 341 411 501
Tax % 18% 26% 14% 25% -25% 26% 22% 25% 25% 25% 25% 25% 25%
1,259 265 332 292 -471 19 62 63 74 150 255 308 375
EPS in Rs 16.38 3.45 4.28 3.76 -6.06 0.24 0.80 0.80 0.91 1.85 3.13 3.49 4.26
Gross NPA % 1.36% 1.33% 1.16% 0.67% 2.10% 1.85% 1.84% 1.84% 1.59% 1.51% 1.44% 1.37% 1.20%
Net NPA % 0.72% 0.70% 0.59% 0.32% 0.33% 0.81% 0.85% 0.85% 0.81% 0.80% 0.74% 0.70% 0.61%
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 TTM
2,030 2,120 1,993 2,063 2,234 2,178 1,849 1,536 2,193 5,827 4,190 6,790 8,889
Interest 1,061 998 943 1,013 1,018 1,124 875 509 595 955 1,515 2,767 3,540
774 836 1,025 800 797 989 1,723 623 607 817 2,778 3,210 3,792
Financing Profit 194 286 25 251 419 64 -748 404 990 4,055 -103 814 1,556
Financing Margin % 10% 14% 1% 12% 19% 3% -40% 26% 45% 70% -2% 12% 18%
15 19 34 35 34 41 28 30 -162 -1,457 33 4 12
Depreciation 35 39 48 49 50 72 52 49 61 59 65 94 115
Profit before tax 175 266 11 237 403 34 -773 385 767 2,539 -135 724 1,454
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 1,088
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 12.73
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: 75%
Compounded Profit Growth
10 Years: 11%
5 Years: 24%
3 Years: -2%
TTM: 399%
Stock Price CAGR
10 Years: 14%
5 Years: 22%
3 Years: 5%
1 Year: -17%
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 Sep 2026
Equity Capital 38 47 47 47 54 54 54 153 154 154 155 162 176
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 13,527
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 59,309
1,107 1,039 891 659 682 380 451 322 388 704 689 1,488 1,521
Total Liabilities 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,894 60,221 74,533
195 202 211 191 184 221 171 174 207 194 244 420 567
CWIP 8 12 5 1 4 6 0 0 5 0 10 7 0
Investments 241 458 580 306 302 402 429 820 510 878 1,256 2,490 3,078
11,867 12,237 10,623 13,070 14,498 12,326 9,742 11,815 17,300 22,963 33,383 57,303 70,888
Total Assets 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 34,894 60,221 74,533

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% -607%

Ratios

Standalone / 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

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Crore

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Gross Non-Performing Assets (GNPA)
%
Branch Network
count
Permanent Employees
count
Total Disbursements
INR Crore

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Shareholding Pattern

Numbers in percentages

3 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
62.07% 62.13% 62.09% 61.87% 62.36% 62.53% 62.46% 63.96% 63.95% 63.93% 59.02% 59.01%
7.79% 7.76% 7.85% 7.72% 8.19% 9.99% 10.76% 10.56% 10.61% 10.21% 10.96% 11.64%
5.58% 5.81% 6.77% 9.63% 11.82% 11.12% 12.26% 12.28% 12.22% 12.14% 16.74% 17.15%
24.57% 23.79% 22.64% 20.12% 16.98% 15.71% 13.86% 12.58% 12.62% 13.15% 12.75% 12.20%
0.00% 0.52% 0.66% 0.65% 0.65% 0.65% 0.65% 0.62% 0.59% 0.59% 0.53% 0.00%
No. of Shareholders 1,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,5981,91,5081,86,8631,90,4841,81,197

* 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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