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Poonawalla Fincorp Ltd.

Finance - NBFC

Rating :
60/99

BSE: 524000 | NSE: POONAWALLA

NSE BSE
455.75
14-Aug-2025
  • Open
  • High
  • Low
  • Previous Close
  •  452.05
  •  461
  •  452.05
  •  451.75
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  841917
  •  384718986.45
  •  483.4
  •  267.2

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 37,006.99
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 62,855.27
  • N/A
  • 3.85

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 62.46%
  • 1.85%
  • 10.64%
  • FII
  • DII
  • Others
  • 10.76%
  • 11.22%
  • 3.07%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 4.69
  • 12.56
  • 29.29

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -0.62
  • 30.79
  • 9.64

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -29.49
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 19.14
  • 23.23
  • 37.11

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.35
  • 3.10
  • 3.82

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 23.83
  • 32.00
  • 24.26

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
26.75
-1.27
10.22
17.18
P/E Ratio
17.04
-358.86
44.59
26.53
Revenue
3114
4223
3617
5010
EBITDA
2293
1445
2357
3538
Net Income
2056
-98
844
1329
ROA
9.8
-0.3
2.2
2.6
P/B Ratio
4.35
4.36
3.96
3.52
ROE
28.28
-1.21
9.52
15.03
FCFF
1356
1581
FCFF Yield
2.37
2.76
Net Debt
14947
26049
BVPS
104.79
104.42
114.96
129.33

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
1,313.97
977.59
34.41%
1,166.27
915.00
27.46%
1,057.03
762.61
38.61%
988.87
738.65
33.88%
Expenses
662.44
271.60
143.90%
615.19
241.27
154.98%
631.70
178.14
254.61%
1,259.56
206.95
508.63%
EBITDA
651.53
705.99
-7.71%
551.08
673.73
-18.20%
425.33
584.47
-27.23%
-270.69
531.70
-
EBIDTM
49.58%
72.22%
47.25%
73.63%
40.24%
76.64%
-27.37%
71.98%
Other Income
0.04
18.27
-99.78%
7.04
6.73
4.61%
0.14
11.15
-98.74%
7.63
6.62
15.26%
Interest
546.09
320.10
70.60%
458.38
281.06
63.09%
385.02
223.71
72.11%
351.59
215.51
63.14%
Depreciation
22.04
14.51
51.90%
19.52
13.93
40.13%
15.27
15.15
0.79%
15.80
14.74
7.19%
PBT
83.44
389.65
-78.59%
80.22
385.47
-79.19%
25.18
356.76
-92.94%
-630.45
1,124.59
-
Tax
20.84
98.01
-78.74%
17.89
53.77
-66.73%
6.45
91.62
-92.96%
-159.41
269.98
-
PAT
62.60
291.64
-78.54%
62.33
331.70
-81.21%
18.73
265.14
-92.94%
-471.04
854.61
-
PATM
4.76%
29.83%
5.34%
36.25%
1.77%
34.77%
-47.63%
115.70%
EPS
0.81
3.79
-78.63%
0.81
4.30
-81.16%
0.24
3.45
-93.04%
-6.10
11.19
-

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
4,526.14
4,189.76
3,109.01
1,938.58
1,540.01
2,318.90
2,513.43
2,457.22
2,290.96
2,512.65
2,649.65
Net Sales Growth
33.36%
34.76%
60.38%
25.88%
-33.59%
-7.74%
2.29%
7.26%
-8.82%
-5.17%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
4,526.14
4,189.76
3,109.01
1,938.58
1,540.01
2,318.90
2,513.43
2,457.22
2,290.96
2,512.65
2,649.65
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
3,168.89
2,778.05
1,355.72
1,047.42
1,135.11
1,950.02
1,122.00
1,026.92
873.17
1,343.96
1,146.89
Power & Fuel Cost
-
6.82
5.89
7.03
3.75
4.61
7.37
8.59
7.17
6.96
6.56
% Of Sales
-
0.16%
0.19%
0.36%
0.24%
0.20%
0.29%
0.35%
0.31%
0.28%
0.25%
Employee Cost
-
636.22
444.42
514.80
409.86
381.53
447.91
436.64
368.03
293.32
317.22
% Of Sales
-
15.19%
14.29%
26.56%
26.61%
16.45%
17.82%
17.77%
16.06%
11.67%
11.97%
Manufacturing Exp.
-
328.04
166.57
108.04
59.34
38.56
54.09
73.56
69.41
219.00
214.35
% Of Sales
-
7.83%
5.36%
5.57%
3.85%
1.66%
2.15%
2.99%
3.03%
8.72%
8.09%
General & Admin Exp.
-
211.35
118.29
104.91
80.77
61.06
103.49
102.92
92.97
85.92
89.51
% Of Sales
-
5.04%
3.80%
5.41%
5.24%
2.63%
4.12%
4.19%
4.06%
3.42%
3.38%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
1,602.44
626.44
319.67
585.14
1,468.87
516.51
413.81
342.76
745.72
0.00
% Of Sales
-
38.25%
20.15%
16.49%
38.00%
63.34%
20.55%
16.84%
14.96%
29.68%
19.84%
EBITDA
1,357.25
1,411.71
1,753.29
891.16
404.90
368.88
1,391.43
1,430.30
1,417.79
1,168.69
1,502.76
EBITDA Margin
29.99%
33.69%
56.39%
45.97%
26.29%
15.91%
55.36%
58.21%
61.89%
46.51%
56.72%
Other Income
14.85
33.08
573.97
509.14
542.25
33.58
59.96
184.09
37.90
57.91
34.14
Interest
1,741.08
1,515.09
950.30
595.28
508.64
1,100.45
1,293.82
1,122.23
1,117.49
1,131.30
1,191.60
Depreciation
72.63
65.10
59.31
61.41
49.49
56.25
74.79
50.46
49.22
48.50
39.48
PBT
-441.61
-135.40
1,317.65
743.61
389.02
-754.25
82.78
441.70
288.98
46.79
305.82
Tax
-114.23
-37.06
482.66
181.19
92.49
-189.80
54.72
138.35
53.96
34.06
92.34
Tax Rate
25.87%
27.37%
22.62%
24.13%
23.78%
25.16%
66.10%
31.32%
18.67%
72.79%
30.19%
PAT
-327.38
-98.34
1,651.51
568.76
297.74
-564.45
28.06
303.34
235.02
20.45
211.38
PAT before Minority Interest
-327.38
-98.34
1,651.51
569.81
298.03
-564.45
28.06
303.34
235.02
12.73
213.48
Minority Interest
0.00
0.00
0.00
-1.05
-0.29
0.00
0.00
0.00
0.00
7.72
-2.10
PAT Margin
-7.23%
-2.35%
53.12%
29.34%
19.33%
-24.34%
1.12%
12.34%
10.26%
0.81%
7.98%
PAT Growth
-118.78%
-
190.37%
91.03%
-
-
-90.75%
29.07%
1,049.24%
-90.33%
 
EPS
-4.20
-1.26
21.20
7.30
3.82
-7.25
0.36
3.89
3.02
0.26
2.71

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
8,174.66
8,167.08
6,861.40
6,055.95
2,194.30
2,748.00
2,743.89
1,972.02
2,172.13
2,164.30
Share Capital
154.58
154.11
153.59
152.98
53.92
53.90
53.86
47.41
47.39
60.37
Total Reserves
7,888.87
7,949.44
6,589.09
5,880.22
2,123.22
2,681.06
2,678.16
1,921.01
2,122.37
2,101.10
Non-Current Liabilities
11,922.86
7,097.29
7,206.15
6,811.67
4,966.87
4,754.63
3,816.58
2,410.03
3,315.43
3,623.55
Secured Loans
11,802.07
6,874.07
6,879.96
6,407.82
4,404.68
3,966.61
2,916.19
2,619.46
2,095.77
2,419.32
Unsecured Loans
126.03
236.91
365.27
588.39
833.44
856.24
1,013.30
0.00
1,013.52
893.84
Long Term Provisions
11.16
7.87
8.60
12.49
22.91
25.60
24.67
28.84
225.88
349.19
Current Liabilities
14,726.94
8,659.11
4,331.42
3,375.78
5,756.84
7,643.27
10,091.23
10,274.03
8,080.73
9,655.95
Trade Payables
3.93
1.24
2.02
15.13
94.09
25.06
369.66
322.38
218.90
183.35
Other Current Liabilities
768.81
688.05
455.05
448.03
467.82
453.69
517.95
444.45
2,292.57
2,336.64
Short Term Borrowings
13,952.45
7,969.15
3,874.35
2,912.62
5,194.93
7,164.52
9,203.62
9,507.20
5,480.23
7,004.56
Short Term Provisions
1.75
0.67
0.00
0.00
0.00
0.00
0.00
0.00
89.04
131.40
Total Liabilities
34,824.46
23,923.48
18,410.74
16,245.68
12,918.01
15,145.90
16,651.70
14,656.08
13,602.49
15,485.72
Net Block
243.73
194.13
221.43
214.21
199.37
241.84
199.14
206.59
277.72
265.42
Gross Block
382.91
299.06
363.97
328.29
329.86
337.62
259.72
234.86
497.25
442.92
Accumulated Depreciation
139.18
104.93
142.54
114.08
130.48
95.79
60.58
28.27
219.53
177.51
Non Current Assets
33,408.43
22,719.41
15,811.37
15,195.65
11,842.26
14,055.86
15,469.94
14,025.29
8,878.48
10,249.69
Capital Work in Progress
10.43
0.26
4.56
0.46
0.18
6.62
3.85
1.08
7.53
13.04
Non Current Investment
184.76
224.28
241.77
0.00
177.44
150.60
141.15
140.26
472.93
324.15
Long Term Loans & Adv.
144.73
172.34
123.33
125.56
100.97
109.62
117.72
106.94
98.31
16.73
Other Non Current Assets
129.75
81.92
1.67
4.64
3.07
0.74
1.45
0.00
197.62
134.92
Current Assets
1,365.33
1,153.37
1,340.09
867.41
1,075.75
1,090.04
1,181.75
630.78
4,724.00
5,236.03
Current Investments
1,156.87
654.05
268.37
0.00
0.00
0.00
0.00
0.00
73.56
75.53
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
18.39
22.39
20.67
14.03
12.92
9.91
10.97
3.72
6.75
7.05
Cash & Bank
32.27
268.50
657.43
596.97
774.69
708.28
956.85
406.70
353.31
408.38
Other Current Assets
157.80
201.41
83.67
109.63
288.15
371.84
213.94
220.36
4,290.38
4,745.06
Short Term Loans & Adv.
38.53
7.02
309.95
146.78
190.30
128.53
43.85
42.18
4,159.60
4,614.23
Net Current Assets
-13,361.61
-7,505.74
-2,991.33
-2,508.37
-4,681.09
-6,553.23
-8,909.47
-9,643.25
-3,356.73
-4,419.92
Total Assets
34,773.76
23,872.78
17,151.46
16,063.06
12,918.01
15,145.90
16,651.69
14,656.07
13,602.48
15,485.72

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-10,569.43
-7,556.49
-5,063.87
-2,873.22
1,644.30
998.24
-923.27
389.52
0.00
0.00
PBT
-135.40
2,176.24
905.19
491.68
-748.77
81.78
441.70
288.98
0.00
0.00
Adjustment
1,614.25
-702.18
14.92
151.37
1,496.24
559.53
304.49
355.06
0.00
0.00
Changes in Working Capital
-12,078.43
-8,367.00
-5,929.22
-3,464.82
901.21
345.63
-1,627.66
-150.90
0.00
0.00
Cash after chg. in Working capital
-10,599.58
-6,892.94
-5,009.11
-2,821.77
1,648.68
986.94
-881.47
493.14
0.00
0.00
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
30.15
-663.55
-54.76
-51.45
-4.38
11.29
-41.80
-103.62
0.00
0.00
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-481.91
2,969.35
-283.12
-32.85
81.35
-280.70
-97.85
-35.62
0.00
0.00
Net Fixed Assets
-94.02
54.91
-44.01
-9.69
21.07
-74.47
-26.95
213.54
-44.38
-39.02
Net Investments
-463.30
-368.19
309.57
-390.71
-26.58
-100.00
3.15
274.64
-122.06
-216.72
Others
75.41
3,282.63
-548.68
367.55
86.86
-106.23
-74.05
-523.80
166.44
255.74
Cash from Financing Activity
10,820.81
4,330.67
5,748.47
2,902.96
-1,573.78
-1,082.56
1,490.50
-386.99
0.00
0.00
Net Cash Inflow / Outflow
-230.53
-256.47
401.48
-3.11
151.86
-365.02
469.38
-33.09
0.00
0.00
Opening Cash & Equivalents
255.18
511.65
354.71
357.82
205.96
570.98
101.60
134.69
0.00
0.00
Closing Cash & Equivalent
24.65
255.18
756.19
354.71
357.82
205.96
570.98
101.60
0.00
0.00

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
104.07
105.17
87.80
78.88
80.75
101.48
101.44
83.05
91.57
90.72
ROA
-0.33%
7.01%
2.89%
2.04%
-4.02%
0.18%
1.94%
1.66%
0.09%
1.41%
ROE
-1.22%
22.25%
8.92%
7.26%
-22.98%
1.03%
12.91%
11.36%
0.59%
11.23%
ROCE
4.82%
14.96%
7.93%
6.29%
2.53%
8.99%
10.43%
10.68%
8.97%
10.92%
Fixed Asset Turnover
12.29
9.38
5.60
4.68
6.95
8.42
9.94
6.26
5.35
6.60
Receivable days
1.78
2.41
3.27
3.19
1.80
1.52
1.09
0.83
1.00
1.01
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
220.45
198.60
128.96
128.51
Cash Conversion Cycle
1.78
2.41
3.27
3.19
1.80
1.52
-219.36
-197.77
-127.96
-127.50
Total Debt/Equity
3.22
1.86
1.65
1.64
4.79
4.38
4.81
6.16
4.64
5.48
Interest Cover
0.91
3.25
2.26
1.77
0.31
1.06
1.39
1.26
1.04
1.26

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Poonawalla Fincorp deploys four AI Solutions
    31st Jul 2025, 12:30 PM

    The company is focused on deploying systems that can learn, adapt, and deliver impact across functions, from risk and compliance to infrastructure and finance

    Read More
  • Poonawalla Fincorp gets nod to raise Rs 1500 crore via NCDs
    10th Jul 2025, 15:29 PM

    The Finance Committee, as authorized by the Board of Directors of the company has on July 10, 2025 approved the same

    Read More
  • Poonawalla Fincorp’s AUM rises 52.9% in Q1FY26
    4th Jul 2025, 11:52 AM

    The company continues to have ample liquidity of around Rs 4,450 crore as on June 30, 2025

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  • Poonawalla Fincorp gets nod to raise Rs 1600 crore through NCDs
    20th Jun 2025, 14:30 PM

    The company has received approval to raise funds on private placement

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  • Poonawalla Fincorp gets nod to raise upto Rs 500 crore through NCDs
    9th Jun 2025, 16:15 PM

    The Finance Committee, as authorized by the Board of Directors of the Company, on June 09, 2025 has approved the same

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  • Poonawalla Fincorp launches Industry-First 24/7 fully digital business loans for MSMEs
    9th Jun 2025, 09:17 AM

    This innovative offering provides instant approval with a risk-first approach and flexible repayment options

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  • Poonawalla Fincorp gets nod to raise Rs 300 crore
    2nd Jun 2025, 16:44 PM

    The company has received approval to raise fund through private placement

    Read More
  • Poonawalla Fincorp accelerates AI-led Transformation in customer engagement and compliance
    22nd May 2025, 10:50 AM

    These solutions aim to enhance customer targeting precision, optimize acquisition costs, and deliver personalized experiences, driving efficiency and growth

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  • Poonawalla Fincorp raises Rs 565 crore through NCDs
    20th May 2025, 09:58 AM

    The Finance Committee vide resolution dated May 19, 2025, as authorized by the Board of Directors of the company has approved allotment of the same

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.