MarketFriction

Poonawalla Fincorp Ltd

NSE POONAWALLA · BSE 524000 · Non Banking Financial Company (NBFC)
₹433.40 -2.35%
NSE close2026-10-01
52 week range361.20 - 570.40
Market cap₹39,011 Cr.
P/E49.6
Results 09-10 Nifty 500Nifty Smallcap 50Nifty Smallcap 100Smallcap 250 Price band 20% Delivery 54.1%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue7397639159789891,0571,1661,3141,5421,8182,1152,330
Interest216224281320352385458546638739844922
Expenses2071782412721,260632615662784855910974
Financing Profit316361393386-6224093105121224362435
Financing Margin %43%47%43%39%-63%4%8%8%8%12%17%19%
Other Income8291171880700057
Depreciation151514151615202222242630
Profit before tax1,130357385390-63025808399200341411
Tax %24%26%14%25%-25%26%22%25%25%25%25%25%
Net Profit860265332292-47119626374150255308
EPS in Rs11.193.454.283.76-6.060.240.800.800.911.853.133.49
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2,6562,5242,2902,4572,5132,3191,5402,1775,4184,1906,7907,806
Interest1,1921,1311,1171,1221,2941,1005095959501,5152,7673,142
Expenses1,1471,3418728801,1121,9506238388802,7783,2103,522
Financing Profit31852301454107-7314087443,588-1038141,142
Financing Margin %12%2%13%18%4%-32%26%34%66%-2%12%15%
Other Income284339384939109184-1,36333412
Depreciation3948495075564961596594102
Profit before tax3064729144282-7494688662,166-1357241,051
Tax %30%73%19%31%67%-25%20%21%22%-27%25%
Net Profit2131323730427-5593756851,683-98542787
EPS in Rs8.930.869.9911.291.00-20.734.908.9121.73-1.266.679.38
Dividend Payout %9%93%8%7%0%0%8%22%9%0%0%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth10%24%46%72%
Compounded Profit Growth10%24%5%340%
Stock Price CAGR16%22%5%-11%
Return on Equity5%6%6%6%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital38474747545454153154154155162
Reserves1,6172,1042,1251,9252,6902,6942,1405,9036,7088,0138,02010,187
Borrowing11,75611,85910,07512,12713,13312,04710,4759,97311,20915,21626,08148,436
Other Liabilities1,4721,5151,3757969124455434135,1507047741,488
Total Liabilities14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272
Fixed Assets212265278207199242196214222194244420
CWIP91381470050107
Investments41440054614014115117703118781,3422,490
Other Assets14,24814,84612,79014,54616,44514,84112,83916,22822,68423,01433,43457,354
Total Assets14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-3057332,949390-9239981,644-2,873-5,237-7,556-10,569-21,786
Cash from Investing Activity-36-254-186-36-98-28181-33-1102,725-482-1,340
Cash from Financing Activity171-498-2,844-3871,490-1,083-1,5742,9035,7484,33110,82123,387
Net Cash Flow-169-20-81-33469-365152-3401-501-231261
Free Cash Flow-3057332,949371-9699491,633-2,912-5,305-7,548-10,597-21,887
CFO/OP-21%49%249%35%-56%71%447%-308%-387%-152%-749%-607%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%11%1%11%13%1%-23%6%7%14%-1%6%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters62.10%62.07%62.13%62.09%61.87%62.36%62.53%62.46%63.96%63.95%63.93%59.02%
FIIs7.91%7.79%7.76%7.85%7.72%8.19%9.99%10.76%10.56%10.61%10.21%10.96%
DIIs6.94%5.58%5.81%6.77%9.63%11.82%11.12%12.26%12.28%12.22%12.14%16.74%
Public23.06%24.57%23.79%22.64%20.12%16.98%15.71%13.86%12.58%12.62%13.15%12.75%
Others0.00%0.00%0.52%0.66%0.65%0.65%0.65%0.65%0.62%0.59%0.59%0.53%
No. of Shareholders2,02,7051,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,5981,91,5081,86,8631,90,484

Fundamentals

Market Cap₹ 39,011 Cr.
Current Price₹ 443
Stock P/E49.6
Book Value₹ 127
ROCE7.51 %
ROE5.86 %
Dividend Yield0.00 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)72%
Compounded Profit Growth (TTM)340%
Consolidated figures.
Valuation
Market capRs 35,018 Cr
Enterprise valueRs 83,160 Cr
P/E (TTM)44.50x
Price to book3.38x
Price to sales4.49x
EV / EBITDA19.36x
EV / EBIT19.83x
EV / sales10.65x
Earnings yield2.25%
P/E, 3-year average38.13x
P/B, 3-year average3.53x
P/E, 5-year average41.13x
P/B, 5-year average3.46x
Profitability
Operating margin (excl. other income)52.73%
Operating margin (incl. other income)52.79%
EBITDA margin55.03%
Pre-tax margin13.47%
Net profit margin10.08%
Net margin, latest quarter13.21%
ROE5.85%
ROCE7.50%
ROA1.14%
ROE, 3-year average9.01%
ROCE, 3-year average9.11%
ROA, 3-year average2.64%
ROE, 5-year average9.34%
ROCE, 5-year average8.54%
ROA, 5-year average2.78%
ROIC (approx.)5.37%
Tax rate25.12%
Other income / net worth0.04%
Growth
Sales growth (latest year)62.07%
Sales CAGR, 3 years46.11%
Sales CAGR, 5 years23.97%
Profit CAGR, 3 years-7.47%
Sales growth QoQ10.15%
Profit growth QoQ20.77%
Sales growth YoY (latest quarter)77.34%
Profit growth YoY (latest quarter)391.55%
Per share
EPS (TTM)Rs 9.74
EPS (latest year)Rs 6.71
EPS (latest quarter)Rs 3.81
EPS, 3-year averageRs 9.09
EPS, 5-year averageRs 8.22
Book value per shareRs 128.07
Sales per shareRs 96.62
Cash flow per shareRs -269.63
Free cash flow per shareRs -270.88
Dividend per share, 3-year averageRs 2.00
Dividend per share, 5-year averageRs 1.47
Dividends
Dividend payout, 3-year average9.16%
Dividend payout, 5-year average13.26%
Efficiency
Asset turnover0.11x
Fixed asset turnover16.16x
Debtor days2 days
Debtors turnover176.46x
Leverage
Total debtRs 48,436 Cr
Cash and bankRs 294 Cr
Net debtRs 48,142 Cr
Debt to equity4.68x
Net debt / EBITDA11.21x
Interest coverage1.33x
Owners' fund to total sources17.17%
Debt to assets80.36%
Cash flow
Cash from Operating Activity (latest year)Rs -21,786 Cr
Cash from Investing Activity (latest year)Rs -1,340 Cr
Cash from Financing Activity (latest year)Rs 23,387 Cr
Net Cash Flow (latest year)Rs 261 Cr
Free cash flow (latest year)Rs -21,887 Cr
FCFE (approx.: FCF + change in debt)Rs 468 Cr
Cash from ops / profit, 5 years-15.07x
Statement figures
Net sales (TTM)Rs 7,806 Cr
Net sales (latest year)Rs 6,790 Cr
Sales (latest quarter)Rs 2,330 Cr
Operating profit excl. other income (latest year)Rs 3,580 Cr
Operating profit (latest quarter)Rs 1,357 Cr
Other income (TTM)Rs 12 Cr
EBITDA (TTM)Rs 4,296 Cr
PBDT (TTM)Rs 1,154 Cr
Profit before tax (TTM)Rs 1,051 Cr
Tax (latest year)Rs 182 Cr
Net profit (TTM)Rs 787 Cr
Net profit (latest year)Rs 542 Cr
Net profit (latest quarter)Rs 308 Cr
Depreciation (TTM)Rs 102 Cr
Depreciation (latest quarter)Rs 30 Cr
Interest (TTM)Rs 3,142 Cr
Cost of goods sold (latest year)Rs 263 Cr
Total expenditure (latest year)Rs 3,210 Cr
Total income (latest year)Rs 6,794 Cr
Share capitalRs 162 Cr
ReservesRs 10,187 Cr
Shareholders' fundsRs 10,348 Cr
Total assetsRs 60,272 Cr
Net blockRs 420 Cr
Capital work in progressRs 7 Cr
InvestmentsRs 2,490 Cr
ReceivablesRs 38 Cr
Other liabilitiesRs 1,488 Cr
Shares outstanding (crore)80.80
Ownership
Promoter holding59.02% (-3.44 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 44.5 is at the 37th percentile of its own 6.8-year range (median 51.5, low 3.5, high 353.1).
P/B 3.38 is at the 21th percentile (median 4.15).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodPOONAWALLANifty 50Difference
1 week-7.2%-2.8% -4.4 pts
1 month-6.0%-6.8% +0.8 pts
3 months-6.0%-7.6% +1.6 pts
6 months+17.6%+0.4% +17.2 pts
1 year-12.2%-9.9% -2.3 pts
2 years+8.1%-13.6% +21.7 pts
3 years+14.0%+14.2% -0.2 pts
5 years+164.5%+27.9% +136.6 pts
82 mutual fund schemes hold about ₹4,885 Cr. Over three months 71 bought more and 1 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Kotak Mid Cap Fund1.28%912 +6%
Kotak Multi Cap Fund1.78%522 +3%
Kotak Large & Mid Cap Fund1.16%376 +8%
Nippon India Small Cap Fund0.45%375 +6%
Bandhan Large & Mid Cap Fund1.06%224 +5%
Kotak Multi Asset Allocation Fund1.32%202 +5%
Franklin India Mid Cap Fund1.47%191 +7%
Bandhan Value Fund1.67%167 -5%
Kotak Equity Savings Fund(M1.42%152 +7%
Kotak Focused Fund2.76%125 +9%
Bandhan ELSS-Tax Saver Fund1.73%121 -0%
Kotak Contra Fund2.06%114 +8%
Sundaram Aggressive Hybrid Fund(M1.22%113 +96%
Aditya Birla SL Midcap Fund1.38%96 +6%
Aditya Birla SL Midcap Fund1.38%93 +6%
Kotak Aggressive Hybrid Fund1.00%93 +7%
Helios Flexi Cap Fund0.89%78 +100%
Bandhan Flexi Cap Fund1.00%75 +10%
Kotak Large Cap Fund0.66%72 +10%
HDFC Banking & Financial Services Fund1.33%63 +9%
Nippon India Banking & Financial Services Fund0.78%62 +10%
Kotak ELSS Tax Saver Fund0.80%51 +9%
Kotak Special Opportunities Fund2.96%50 +11%
Bandhan Innovation Fund1.88%50 +6%
Bandhan Multi Cap Fund1.51%46 -5%

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -1877% of net profit over the last 3 years
explainHigh accruals Profit exceeded operating cash by 37% of total assets in 2026
explainLow interest cover Interest cover 1.3x in 2026
lookRegulator order or action Regulator order or action 2025-11-17: Poonawalla Fincorp Limited has informed the Exchange about Action(s) taken or orders passed
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2025-09-17RISING SUN HOLDINGS PRIVATE LIMITEPromotersother33,148,102Rs 1499.98 CrPreferential Offer
2025-03-19RISING SUN HOLDINGS PRIVATE LIMITEPromotersbuy409,000Rs 13.10 CrMarket Purchase
2025-03-18RISING SUN HOLDINGS PRIVATE LIMITEPromotersother-
2025-03-18RISING SUN HOLDINGS PRIVATE LIMITEPromotersbuy700,280Rs 21.13 CrMarket Purchase
2025-03-17RISING SUN HOLDINGS PRIVATE LIMITEPromotersbuy200,000Rs 5.77 CrMarket Purchase
2024-12-27RISING SUN HOLDINGS PRIVATE LIMITEPromotersbuy100,000Rs 3.21 CrMarket Purchase
2024-12-20RISING SUN HOLDINGS PRIVATE LIMITEPromotersbuy400,000Rs 12.84 CrMarket Purchase
2024-12-09Rising Sun Holdings Private LimitePromotersbuy469,599Rs 16.49 CrMarket Purchase
2024-11-12Rising Sun Holdings Private LimitePromotersbuy272,000Rs 9.97 CrMarket Purchase
2024-11-08Rising Sun Holdings Private LimitePromotersbuy135,100Rs 5.00 CrMarket Purchase
2024-11-06Rising Sun Holdings Private LimitePromotersbuy373,000Rs 14.10 CrMarket Purchase
2024-11-04Rising Sun Holdings Private LimitePromotersbuy800,000Rs 30.05 CrMarket Purchase
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹2,330 Cr +77.3% vs Jun 2025. Net profit ₹308 Cr +388.9%.

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2024-07-16Annual General Meeting
2024-01-31Interim Dividend - Rs 2 Per Share
2023-07-18Annual General Meeting/Dividend - Rs 2 Per Share
2022-07-21Annual General Meeting/Dividend - Rs 0.40 Per Share
2019-07-24 Annual General Meeting/Dividend - Rs 0.80 Per Share
2018-07-25 Dividend- Re 0.80 Per Share
2017-07-25 Dividend-Re 0.80 Per Share
2016-07-27 Dividend - Re 0.80/- Per Share
2015-07-23Annual General Meeting/Dividend Re - 0.80/- Per Share
2014-07-23Annual General Meeting /Dividend Re 0.80 Per Equity Share
2013-07-10Annual General Meeting /Dividend Re 0.80 Per Equity Share
2012-07-04Annual General Meeting And Dividend Re.0.60 Per Share
2011-06-13Dividend-Re.0.60 Per Share
2010-08-13Face Value Split From Rs.10/- To Rs.2/-0.2000
2010-07-07Dividend-Rs.2/- Per Share
2009-08-28Dividend-Re.1/- Per Share
2008-07-14Agm/Div-Rs.2 Per Share
2007-08-24Agm/Dividend-20%
2006-07-25Agm/Dividend-18%
DateTypeWhat it says
2026-10-01Concall / analyst meetSchedule of meet
2026-10-01UpdatesIntimation under Regulation 6(1) & 7(1) of the SEBI (Listing Obligations and Disclosure Requirements), Regulations, 2015.
2026-09-30Concall / analyst meetSchedule of meet
2026-09-29General UpdatesGeneral Updates
2026-09-28Credit RatingCredit Rating
2026-09-22ESOPAllotment of 25992 Shares.
2026-09-16AllotmentAllotment of 85000 securities pursuant to Non Convertible Securities at its meeting held on September 16, 2026
2026-09-10Issue of SecuritiesIssue of Securities
2026-09-09Credit RatingCredit Rating
2026-09-03Concall / analyst meetSchedule of meet
2026-09-02ESOPGrant of 1105000 Options.
2026-08-28ESOPGrant of 1086000 Options.
2026-08-22ESOPAllotment of 63468 Shares.
2026-08-21AllotmentAllotment of 15000 securities pursuant to Non Convertible Securities at its meeting held on August 21, 2026
2026-08-18Issue of SecuritiesIssue of Securities
2026-08-17AllotmentAllotment of 31500 securities pursuant to Non Convertible Securities at its meeting held on August 17, 2026
2026-08-12Issue of SecuritiesIssue of Securities
2026-08-07Concall / analyst meetSchedule of meet
2026-08-04General UpdatesGeneral Updates - Notice to debenture holders
2026-08-04ESOPGrant of 25000 Options.
2026-07-28ESOPGrant of 25000 Options.
2026-07-25Shareholder meetingProceedings of Annual General Meeting held on July 24, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with v...
2026-07-23Concall / analyst meetTranscript
2026-07-23Concall / analyst meetSchedule of meet
2026-07-20Concall / analyst meetSchedule of meet
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.Updated 2026-10-03