Poonawalla Fincorp Ltd
- Market Cap ₹ 38,635 Cr.
- Current Price ₹ 499
- High / Low ₹ 520 / 306
- Stock P/E 39.6
- Book Value ₹ 102
- Dividend Yield 0.40 %
- ROCE 7.18 %
- ROE 7.69 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
Cons
- Stock is trading at 4.90 times its book value
- The company has delivered a poor sales growth of -1.01% over past five years.
- Company has a low return on equity of 1.45% over last 3 years.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.902 Cr.
- Working capital days have increased from 97.2 days to 272 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.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 1,051 | 1,682 | 2,195 | 2,534 | 2,656 | 2,524 | 2,290 | 2,457 | 2,513 | 2,319 | 1,540 | 2,177 | 2,771 |
Interest | 625 | 926 | 1,177 | 1,233 | 1,192 | 1,131 | 1,117 | 1,122 | 1,294 | 1,100 | 509 | 595 | 842 |
321 | 540 | 816 | 1,068 | 1,147 | 1,341 | 872 | 880 | 1,112 | 1,950 | 623 | 838 | 732 | |
Financing Profit | 104 | 215 | 201 | 233 | 318 | 52 | 301 | 454 | 107 | -731 | 408 | 744 | 1,197 |
Financing Margin % | 10% | 13% | 9% | 9% | 12% | 2% | 13% | 18% | 4% | -32% | 26% | 34% | 43% |
29 | 35 | 30 | 25 | 28 | 43 | 39 | 38 | 49 | 39 | 109 | 184 | 902 | |
Depreciation | 30 | 38 | 33 | 35 | 39 | 48 | 49 | 50 | 75 | 56 | 49 | 61 | 65 |
Profit before tax | 104 | 212 | 198 | 223 | 306 | 47 | 291 | 442 | 82 | -749 | 468 | 866 | 2,035 |
Tax % | 25% | 32% | 19% | 16% | 30% | 73% | 19% | 31% | 67% | 25% | 20% | 21% | |
78 | 145 | 160 | 187 | 213 | 13 | 237 | 304 | 27 | -559 | 375 | 685 | 1,550 | |
EPS in Rs | 3.90 | 7.28 | 7.99 | 9.49 | 8.93 | 0.86 | 9.99 | 11.29 | 1.00 | -20.73 | 4.90 | 8.91 | 20.16 |
Dividend Payout % | 15% | 11% | 10% | 8% | 9% | 93% | 8% | 7% | -0% | -0% | 8% | 22% |
Compounded Sales Growth | |
---|---|
10 Years: | 3% |
5 Years: | -1% |
3 Years: | -5% |
TTM: | 59% |
Compounded Profit Growth | |
---|---|
10 Years: | 14% |
5 Years: | 16% |
3 Years: | 164% |
TTM: | 106% |
Stock Price CAGR | |
---|---|
10 Years: | 20% |
5 Years: | 32% |
3 Years: | 61% |
1 Year: | 61% |
Return on Equity | |
---|---|
10 Years: | 5% |
5 Years: | 3% |
3 Years: | 1% |
Last Year: | 8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 38 | 38 | 38 | 38 | 47 | 47 | 47 | 54 | 54 | 54 | 153 | 154 | 154 |
Reserves | 1,064 | 1,359 | 1,466 | 1,617 | 2,104 | 2,125 | 1,925 | 2,690 | 2,694 | 2,140 | 5,903 | 6,708 | 7,678 |
Preference Capital | 143 | 197 | 150 | 133 | 13 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | |
6,117 | 10,402 | 10,129 | 11,623 | 11,846 | 10,075 | 12,127 | 13,133 | 12,047 | 10,475 | 9,973 | 11,209 | 11,320 | |
936 | 1,315 | 1,545 | 1,604 | 1,528 | 1,375 | 796 | 912 | 445 | 543 | 413 | 5,150 | 518 | |
Total Liabilities | 8,154 | 13,114 | 13,178 | 14,882 | 15,525 | 13,622 | 14,894 | 16,789 | 15,240 | 13,212 | 16,443 | 23,221 | 19,669 |
178 | 182 | 173 | 212 | 265 | 278 | 207 | 199 | 242 | 196 | 214 | 222 | 181 | |
CWIP | 0 | 8 | 25 | 9 | 13 | 8 | 1 | 4 | 7 | 0 | 0 | 5 | -0 |
Investments | 0 | 267 | 402 | 414 | 400 | 546 | 140 | 141 | 151 | 177 | -0 | 311 | 427 |
7,975 | 12,657 | 12,578 | 14,248 | 14,846 | 12,790 | 14,546 | 16,445 | 14,841 | 12,839 | 16,228 | 22,684 | 19,061 | |
Total Assets | 8,154 | 13,114 | 13,178 | 14,882 | 15,525 | 13,622 | 14,894 | 16,789 | 15,240 | 13,212 | 16,443 | 23,221 | 19,669 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2,169 | -2,894 | -502 | -305 | 733 | 2,949 | 390 | -923 | 998 | 1,644 | -2,873 | -5,237 | |
-20 | -535 | -180 | -36 | -254 | -186 | -36 | -98 | -281 | 81 | -33 | -110 | |
2,023 | 3,977 | 218 | 171 | -498 | -2,844 | -387 | 1,490 | -1,083 | -1,574 | 2,903 | 5,748 | |
Net Cash Flow | -166 | 547 | -464 | -169 | -20 | -81 | -33 | 469 | -365 | 152 | -3 | 401 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 9% | 11% | 10% | 11% | 11% | 1% | 11% | 13% | 1% | -23% | 6% | 8% |
Documents
Announcements
- Compliance Certificate From Practicing Company Secretary For The Year Ended March 31, 2024 As Per Regulation 40(9) And 61(4) Of The SEBI (LODR) Regulations, 2015. 1d
- Announcement under Regulation 30 (LODR)-Newspaper Publication 14 Apr
- Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 13 Apr
- Compliance Certificate Under Regulation 7(3) Of The SEBI (LODR) Regulations, 2015 For The Period Ended March 31, 2024. 12 Apr
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
12 Apr - Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations , 2018 for the period from January 01, 2024 to March 31, 2024.
Annual reports
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2011
from bse
-
Financial Year 2010
from bse
-
Financial Year 2010
from nse
Concalls
-
Jan 2024Transcript PPT REC
-
Oct 2023Transcript PPT
-
Jul 2023Transcript PPT REC
-
Apr 2023Transcript PPT
-
Jan 2023Transcript PPT
-
Oct 2022TranscriptNotesPPT
-
Jul 2022TranscriptNotesPPT
-
May 2022TranscriptNotesPPT
-
Feb 2022TranscriptNotesPPT
-
Oct 2021TranscriptNotesPPT
-
Sep 2021Transcript PPT
-
Aug 2021TranscriptNotesPPT
-
Aug 2021Transcript PPT
-
May 2021Transcript PPT
-
Mar 2021TranscriptPPT
-
Feb 2021Transcript PPT
-
Nov 2020Transcript PPT
-
Sep 2020Transcript PPT
-
Aug 2020Transcript PPT
-
Jun 2020Transcript PPT
-
Feb 2020TranscriptNotesPPT
-
Jan 2020Transcript PPT
-
Nov 2019Transcript PPT
-
Sep 2019Transcript PPT
-
Aug 2019TranscriptNotesPPT
-
Aug 2019TranscriptNotesPPT
-
Aug 2019TranscriptNotesPPT
-
May 2019Transcript PPT
-
Jan 2019TranscriptNotesPPT
-
Nov 2018Transcript PPT
-
Aug 2018Transcript PPT
-
May 2018Transcript PPT
-
Mar 2018TranscriptPPT
-
Feb 2018Transcript PPT
-
Nov 2017Transcript PPT
-
Aug 2017Transcript PPT
-
May 2017Transcript PPT
-
Mar 2017Transcript PPT
-
Jan 2017TranscriptPPT
-
Nov 2016Transcript PPT
-
Aug 2016Transcript PPT
-
May 2016Transcript PPT
-
Feb 2016Transcript PPT
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]