Poonawalla Fincorp Ltd

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

Poonawalla Fincorp Ltd

₹ 442 -4.40%
11 May - 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
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 ₹ 38,877 Cr.
  • Current Price ₹ 442
  • High / Low ₹ 570 / 361
  • Stock P/E 71.8
  • Book Value ₹ 127
  • Dividend Yield 0.00 %
  • ROCE 7.50 %
  • ROE 5.85 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 3.47 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -4.92%
  • 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

* 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 Nifty Smallcap 100 Nifty Alpha 50 BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
577 693 739 763 915 978 989 1,057 1,166 1,314 1,542 1,818 2,115
Interest 173 230 216 224 281 320 352 385 458 546 638 739 844
152 194 207 178 241 272 1,260 632 615 662 784 855 910
Financing Profit 251 269 316 361 393 386 -622 40 93 105 121 224 362
Financing Margin % 44% 39% 43% 47% 43% 39% -63% 4% 8% 8% 8% 12% 17%
23 40 829 11 7 18 8 0 7 0 0 0 5
Depreciation 19 15 15 15 14 15 16 15 20 22 22 24 26
Profit before tax 254 293 1,130 357 385 390 -630 25 80 83 99 200 341
Tax % 22% 23% 24% 26% 14% 25% -25% 26% 22% 25% 25% 25% 25%
199 226 860 265 332 292 -471 19 62 63 74 150 255
EPS in Rs 2.58 2.94 11.19 3.45 4.28 3.76 -6.06 0.24 0.80 0.80 0.91 1.85 3.13
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
2,534 2,656 2,524 2,290 2,457 2,513 2,319 1,540 2,177 5,418 4,190 6,790
Interest 1,233 1,192 1,131 1,117 1,122 1,294 1,100 509 595 950 1,515 2,767
1,068 1,147 1,341 872 880 1,112 1,950 623 838 880 2,778 3,211
Financing Profit 233 318 52 301 454 107 -731 408 744 3,588 -103 812
Financing Margin % 9% 12% 2% 13% 18% 4% -32% 26% 34% 66% -2% 12%
25 28 43 39 38 49 39 109 184 -1,363 33 5
Depreciation 35 39 48 49 50 75 56 49 61 59 65 94
Profit before tax 223 306 47 291 442 82 -749 468 866 2,166 -135 724
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
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
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: 62%
Compounded Profit Growth
10 Years: 10%
5 Years: 24%
3 Years: 5%
TTM: 618%
Stock Price CAGR
10 Years: 17%
5 Years: 27%
3 Years: 11%
1 Year: 19%
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
Equity Capital 38 47 47 47 54 54 54 153 154 154 155 162
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
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
1,472 1,515 1,375 796 912 445 543 413 5,150 704 774 1,488
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
212 265 278 207 199 242 196 214 222 194 244 427
CWIP 9 13 8 1 4 7 0 0 5 0 10 0
Investments 414 400 546 140 141 151 177 0 510 878 1,342 2,490
14,248 14,846 12,790 14,546 16,445 14,841 12,839 16,228 22,484 23,014 33,434 57,354
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

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 -5,064 -7,556 -10,569 -21,786
-36 -254 -186 -36 -98 -281 81 -33 -283 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 -5,132 -7,548 -10,597 -21,874
CFO/OP -21% 49% 249% 35% -56% 71% 447% -308% -374% -152% -749% -607%

Ratios

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
ROE % 11% 11% 1% 11% 13% 1% -23% 6% 7% 14% -1% 6%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Assets Under Management (AUM)
₹ Crore

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Disbursements
₹ Crore
Number of Branches
Count
Gross NPA (GNPA)
%
Employee Count
Count

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Apr 2026
62.10% 62.07% 62.13% 62.09% 61.87% 62.36% 62.53% 62.46% 63.96% 63.95% 63.93% 59.03%
7.91% 7.79% 7.76% 7.85% 7.72% 8.19% 9.99% 10.76% 10.56% 10.61% 10.21% 11.25%
6.94% 5.58% 5.81% 6.77% 9.63% 11.82% 11.12% 12.26% 12.28% 12.22% 12.14% 16.67%
23.06% 24.57% 23.79% 22.64% 20.12% 16.98% 15.71% 13.86% 12.58% 12.62% 13.15% 12.49%
0.00% 0.00% 0.52% 0.66% 0.65% 0.65% 0.65% 0.65% 0.62% 0.59% 0.59% 0.55%
No. of Shareholders 2,02,7051,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,5981,91,5081,86,8631,87,448

* 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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