Piramal Finance Ltd
₹ 1,934
1.19%
06 May
- close price
About
Piramal Finance Corporation's main business
is of providing loans to Retail customers for construction or purchase of residential property, loans against property, etc.
Key Points
- Market Cap ₹ 43,832 Cr.
- Current Price ₹ 1,934
- High / Low ₹ 2,073 / 1,235
- Stock P/E 168
- Book Value ₹ 1,242
- Dividend Yield 0.00 %
- ROCE 6.49 %
- ROE 0.94 %
- Face Value ₹ 2.00
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Tax rate seems low
- Company has a low return on equity of 0.66% over last 3 years.
- Working capital days have increased from -11.1 days to 80.6 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.
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Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6,420 | 7,835 | 11,465 | 10,849 | 12,882 | 9,558 | 8,771 | 6,039 | 6,644 | 6,729 | 10,270 | 11,852 | |
| 968 | 1,196 | 1,477 | 1,413 | 4,496 | 21,824 | 28,621 | 1,859 | 5,660 | 4,915 | 4,608 | 4,801 | |
| Operating Profit | 5,451 | 6,639 | 9,989 | 9,436 | 8,386 | -12,266 | -19,850 | 4,180 | 984 | 1,814 | 5,662 | 7,051 |
| OPM % | 85% | 85% | 87% | 87% | 65% | -128% | -226% | 69% | 15% | 27% | 55% | 59% |
| 2 | 4 | 6 | 41 | -22 | 19 | 32 | -62 | -10,210 | -1,618 | 479 | 1,613 | |
| Interest | 4,460 | 5,492 | 6,674 | 7,744 | 9,417 | 5,736 | 218 | 3,337 | 3,470 | 3,659 | 5,282 | 6,379 |
| Depreciation | 27 | 30 | 43 | 28 | 51 | 79 | 81 | 52 | 97 | 152 | 214 | 903 |
| Profit before tax | 966 | 1,121 | 3,276 | 1,706 | -1,104 | -18,063 | -20,117 | 728 | -12,794 | -3,616 | 645 | 1,383 |
| Tax % | 34% | 34% | 15% | 27% | -11% | -26% | -25% | 26% | -42% | -45% | 25% | -9% |
| 642 | 749 | 2,806 | 1,263 | -966 | -13,456 | -15,051 | 540 | -7,401 | -1,975 | 485 | 1,506 | |
| EPS in Rs | 22.05 | 25.68 | 89.62 | 40.28 | -30.78 | -428.77 | -479.61 | 0.25 | -3.46 | -0.85 | 0.19 | 66.44 |
| Dividend Payout % | 14% | 31% | 4% | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 6% |
| 3 Years: | 21% |
| TTM: | 15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -10% |
| 5 Years: | 15% |
| 3 Years: | -55% |
| TTM: | -46% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 165% |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 5% |
| 3 Years: | 1% |
| Last Year: | 1% |
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 | 146 | 292 | 313 | 314 | 314 | 314 | 314 | 21,365 | 21,365 | 23,365 | 45 | 45 |
| Reserves | 4,836 | 5,098 | 7,417 | 8,684 | 7,624 | -5,860 | -20,959 | 823 | -6,584 | -8,470 | 27,051 | 28,103 |
| 48,881 | 61,050 | 81,511 | 91,979 | 96,812 | 90,412 | 89,851 | 46,416 | 41,233 | 45,680 | 65,577 | 79,989 | |
| 1,567 | 2,805 | 3,048 | 5,367 | 1,853 | 964 | 1,153 | 11,036 | 6,253 | 5,283 | 2,271 | 2,409 | |
| Total Liabilities | 55,429 | 69,245 | 92,290 | 106,344 | 106,602 | 85,830 | 70,359 | 79,640 | 62,266 | 65,858 | 94,943 | 110,546 |
| 191 | 508 | 211 | 850 | 865 | 920 | 940 | 10,820 | 1,616 | 1,768 | 3,311 | 2,468 | |
| CWIP | 810 | 590 | 634 | 129 | 104 | 105 | 0 | 12 | 4 | 10 | 0 | 0 |
| Investments | 1,751 | 1,811 | 13,509 | 8,120 | 2,498 | 3,881 | 8,449 | 13,851 | 12,966 | 8,307 | 12,539 | 9,814 |
| 52,677 | 66,336 | 77,936 | 97,245 | 103,135 | 80,924 | 60,970 | 54,956 | 47,681 | 55,773 | 79,094 | 98,264 | |
| Total Assets | 55,429 | 69,245 | 92,290 | 106,344 | 106,602 | 85,830 | 70,359 | 79,640 | 62,266 | 65,858 | 94,943 | 110,546 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -12,272 | -12,582 | -15,593 | -18,136 | -8,735 | 12,576 | 7,135 | 8,661 | 6,723 | -1,928 | -9,772 | -15,892 | |
| -866 | 24 | -10,930 | 6,091 | 6,135 | 644 | -4,526 | 764 | 72 | -816 | -901 | 2,631 | |
| 12,643 | 15,416 | 26,289 | 11,173 | 1,937 | -7,631 | 0 | -8,366 | -9,487 | 2,773 | 12,525 | 12,393 | |
| Net Cash Flow | -496 | 2,858 | -234 | -872 | -663 | 5,589 | 2,609 | 1,060 | -2,691 | 29 | 1,852 | -869 |
| Free Cash Flow | -12,315 | -12,710 | -15,693 | -18,319 | -8,820 | 12,556 | 7,139 | 8,615 | 6,694 | -2,149 | -9,650 | -15,949 |
| CFO/OP | -220% | -184% | -148% | -188% | -99% | -103% | -36% | 217% | 683% | -106% | -178% | -228% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 11 | 10 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 11 | 10 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -585 | -661 | -346 | -421 | -62 | 38 | 34 | -495 | -230 | -178 | 64 | 81 |
| ROCE % | 11% | 10% | 10% | 8% | -13% | -26% | 6% | 1% | 3% | 8% | 6% |
Insights
In beta| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Legacy AUM ₹ Crore |
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| Total Assets Under Management (AUM) ₹ Crore |
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| Number of Retail Branches Number |
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| Retail AUM ₹ Crore |
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| Retail Gross NPA (90+ DPD) % |
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| Retail as % of Consolidated AUM % |
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Documents
Announcements
- Announcement under Regulation 30 (LODR)-Earnings Call Transcript 30 Apr
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Announcement under Regulation 30 (LODR)-Change in Registered Office Address
30 Apr - Registered office shifted on 30 April 2026 from Amiti Building to Piramal Corporate Park, Mumbai.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
27 Apr - Audio recording of 27 April 2026 conference call on audited FY26 results available online.
- Announcement under Regulation 30 (LODR)-Investor Presentation 27 Apr
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
27 Apr - Piramal Finance reported FY26 PAT of ₹1,506 Cr; AUM crossed ₹1 lakh crore, up 25% YoY.
Annual reports
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Financial Year 2020
from bse
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Concalls
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Apr 2026Transcript PPT REC
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Apr 2026TranscriptAI SummaryPPT
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History[1]
Company was founded by Mr Ajay Piramal, as an Upper Layer NBFC. They had housing finance company license earlier. On 4th April 2025, Company received certificate of registration to commence the business of NBFC-ICC without accepting public deposits. In financial services, the company focuses on providing retail loan products such as home loans, loans against property, used car loans, personal loans and small business loans. It also provides wholesale loans with focus on both real estate and non-real estate sectors.