Poonawalla Fincorp Ltd

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Poonawalla Fincorp Ltd

₹ 446 -0.72%
19 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 ₹ 39,248 Cr.
  • Current Price ₹ 446
  • High / Low ₹ 523 / 361
  • Stock P/E 36.1
  • Book Value ₹ 156
  • Dividend Yield 0.00 %
  • ROCE 7.51 %
  • ROE 5.86 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 2.85 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 5.94% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 3.05% 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 500 BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Diversified Financials Revenue Growth

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
739 763 915 978 989 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%
829 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 1,130 357 385 390 -630 25 80 83 99 200 341 411 501
Tax % 24% 26% 14% 25% -25% 26% 22% 25% 25% 25% 25% 25% 25%
860 265 332 292 -471 19 62 63 74 150 255 308 375
EPS in Rs 11.19 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 %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
2,534 2,656 2,524 2,290 2,457 2,513 2,319 1,540 2,177 5,418 4,190 6,790 8,889
Interest 1,233 1,192 1,131 1,117 1,122 1,294 1,100 509 595 950 1,515 2,767 3,540
1,068 1,147 1,341 872 880 1,112 1,950 623 838 880 2,778 3,210 3,792
Financing Profit 233 318 52 301 454 107 -731 408 744 3,588 -103 814 1,556
Financing Margin % 9% 12% 2% 13% 18% 4% -32% 26% 34% 66% -2% 12% 18%
25 28 43 39 38 49 39 109 184 -1,363 33 4 12
Depreciation 35 39 48 49 50 75 56 49 61 59 65 94 115
Profit before tax 223 306 47 291 442 82 -749 468 866 2,166 -135 724 1,454
Tax % 16% 30% 73% 19% 31% 67% -25% 20% 21% 22% -27% 25%
187 213 13 237 304 27 -559 375 685 1,683 -98 542 1,088
EPS in Rs 9.49 8.93 0.86 9.99 11.29 1.00 -20.73 4.90 8.91 21.73 -1.26 6.67 12.73
Dividend Payout % 8% 9% 93% 8% 7% 0% 0% 8% 22% 9% 0% 0%
Compounded Sales Growth
10 Years: 10%
5 Years: 24%
3 Years: 46%
TTM: 75%
Compounded Profit Growth
10 Years: 10%
5 Years: 24%
3 Years: 5%
TTM: 399%
Stock Price CAGR
10 Years: 14%
5 Years: 24%
3 Years: 6%
1 Year: -13%
Return on Equity
10 Years: 5%
5 Years: 6%
3 Years: 6%
Last Year: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 1,617 2,104 2,125 1,925 2,690 2,694 2,140 5,903 6,708 8,013 8,020 10,187 13,578
Borrowing 11,756 11,859 10,075 12,127 13,133 12,047 10,475 9,973 11,209 15,216 26,081 48,436 59,309
1,472 1,515 1,375 796 912 445 543 413 5,150 704 774 1,488 1,521
Total Liabilities 14,882 15,525 13,622 14,894 16,789 15,240 13,212 16,443 23,221 24,087 35,030 60,272 74,584
212 265 278 207 199 242 196 214 222 194 244 420 567
CWIP 9 13 8 1 4 7 0 0 5 0 10 7 0
Investments 414 400 546 140 141 151 177 0 311 878 1,342 2,490 3,078
14,248 14,846 12,790 14,546 16,445 14,841 12,839 16,228 22,684 23,014 33,434 57,354 70,939
Total Assets 14,882 15,525 13,622 14,894 16,789 15,240 13,212 16,443 23,221 24,087 35,030 60,272 74,584

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-305 733 2,949 390 -923 998 1,644 -2,873 -5,237 -7,556 -10,569 -21,786
-36 -254 -186 -36 -98 -281 81 -33 -110 2,725 -482 -1,340
171 -498 -2,844 -387 1,490 -1,083 -1,574 2,903 5,748 4,331 10,821 23,387
Net Cash Flow -169 -20 -81 -33 469 -365 152 -3 401 -501 -231 261
Free Cash Flow -305 733 2,949 371 -969 949 1,633 -2,912 -5,305 -7,548 -10,597 -21,887

Ratios

Consolidated / View Standalone

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% 1% 11% 13% 1% -23% 6% 7% 14% -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 ・Standalone data

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

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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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