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Poonawalla Fincorp Ltd.

Finance - NBFC

Rating :
63/99

BSE: 524000 | NSE: POONAWALLA

NSE BSE
438.70
25-Jun-2025
  • Open
  • High
  • Low
  • Previous Close
  •  444.5
  •  447.5
  •  433.2
  •  444.05
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2615905
  •  1149403878.65
  •  454.35
  •  267.2

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 34,249.08
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 58,195.76
  • N/A
  • 4.19

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 62.53%
  • 2.10%
  • 12.11%
  • FII
  • DII
  • Others
  • 9.99%
  • 10.07%
  • 3.20%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 2.82
  • 4.34
  • 26.39

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.15
  • 4.73
  • 34.06

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.76
  • 125.91
  • 77.01

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 19.52
  • 23.86
  • 37.79

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.31
  • 2.98
  • 3.78

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 23.29
  • 31.02
  • 23.28

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
26.75
-1.27
10.22
17.18
P/E Ratio
16.40
-345.43
42.93
25.54
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
4.19
4.20
3.82
3.39
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
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Net Sales
1,166.27
915.00
27.46%
1,057.03
762.61
38.61%
988.87
738.65
33.88%
977.59
693.48
40.97%
Expenses
615.19
241.27
154.98%
631.70
178.14
254.61%
1,259.56
206.95
508.63%
271.60
194.44
39.68%
EBITDA
551.08
673.73
-18.20%
425.33
584.47
-27.23%
-270.69
531.70
-
705.99
499.04
41.47%
EBIDTM
47.25%
73.63%
40.24%
76.64%
-27.37%
71.98%
72.22%
71.96%
Other Income
7.04
6.73
4.61%
0.14
11.15
-98.74%
7.63
6.62
15.26%
18.27
13.82
32.20%
Interest
458.38
281.06
63.09%
385.02
223.71
72.11%
351.59
215.51
63.14%
320.10
230.02
39.16%
Depreciation
19.52
13.93
40.13%
15.27
15.15
0.79%
15.80
14.74
7.19%
14.51
15.49
-6.33%
PBT
80.22
385.47
-79.19%
25.18
356.76
-92.94%
-630.45
1,124.59
-
389.65
267.35
45.75%
Tax
17.89
53.77
-66.73%
6.45
91.62
-92.96%
-159.41
269.98
-
98.01
67.29
45.65%
PAT
62.33
331.70
-81.21%
18.73
265.14
-92.94%
-471.04
854.61
-
291.64
200.06
45.78%
PATM
5.34%
36.25%
1.77%
34.77%
-47.63%
115.70%
29.83%
28.85%
EPS
0.81
4.30
-81.16%
0.24
3.45
-93.04%
-6.10
11.19
-
3.79
2.94
28.91%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
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
2,354.78
Net Sales Growth
34.73%
60.38%
25.88%
-33.59%
-7.74%
2.29%
7.26%
-8.82%
-5.17%
12.52%
 
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
4,189.76
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
2,354.78
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
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
1,068.64
Power & Fuel Cost
-
5.89
7.03
3.75
4.61
7.37
8.59
7.17
6.96
6.56
6.91
% Of Sales
-
0.19%
0.36%
0.24%
0.20%
0.29%
0.35%
0.31%
0.28%
0.25%
0.29%
Employee Cost
-
444.42
514.80
409.86
381.53
447.91
436.64
368.03
293.32
317.22
361.82
% Of Sales
-
14.29%
26.56%
26.61%
16.45%
17.82%
17.77%
16.06%
11.67%
11.97%
15.37%
Manufacturing Exp.
-
166.57
108.04
59.34
38.56
54.09
73.56
69.41
219.00
214.35
214.83
% Of Sales
-
5.36%
5.57%
3.85%
1.66%
2.15%
2.99%
3.03%
8.72%
8.09%
9.12%
General & Admin Exp.
-
118.74
104.91
80.77
61.06
103.49
102.92
92.97
85.92
89.51
89.73
% Of Sales
-
3.82%
5.41%
5.24%
2.63%
4.12%
4.19%
4.06%
3.42%
3.38%
3.81%
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.
-
625.99
319.67
585.14
1,468.87
516.51
413.81
342.76
745.72
525.82
0.00
% Of Sales
-
20.13%
16.49%
38.00%
63.34%
20.55%
16.84%
14.96%
29.68%
19.84%
17.08%
EBITDA
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
1,286.14
EBITDA Margin
33.69%
56.39%
45.97%
26.29%
15.91%
55.36%
58.21%
61.89%
46.51%
56.72%
54.62%
Other Income
33.08
573.97
509.14
542.25
33.58
59.96
184.09
37.90
57.91
34.14
204.86
Interest
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
1,232.94
Depreciation
65.10
59.31
61.41
49.49
56.25
74.79
50.46
49.22
48.50
39.48
34.57
PBT
-135.40
1,317.65
743.61
389.02
-754.25
82.78
441.70
288.98
46.79
305.82
223.49
Tax
-37.06
482.65
181.19
92.49
-189.80
54.72
138.35
53.96
34.06
92.34
36.22
Tax Rate
27.37%
22.62%
24.13%
23.78%
25.16%
66.10%
31.32%
18.67%
72.79%
30.19%
16.21%
PAT
-98.34
1,651.21
568.76
297.74
-564.45
28.06
303.34
235.02
20.45
211.38
180.67
PAT before Minority Interest
-98.34
1,651.52
569.81
298.03
-564.45
28.06
303.34
235.02
12.73
213.48
187.27
Minority Interest
0.00
-0.31
-1.05
-0.29
0.00
0.00
0.00
0.00
7.72
-2.10
-6.60
PAT Margin
-2.35%
53.11%
29.34%
19.33%
-24.34%
1.12%
12.34%
10.26%
0.81%
7.98%
7.67%
PAT Growth
-105.95%
190.32%
91.03%
-
-
-90.75%
29.07%
1,049.24%
-90.33%
17.00%
 
EPS
-1.26
21.22
7.31
3.83
-7.26
0.36
3.90
3.02
0.26
2.72
2.32

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
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
1,787.48
Share Capital
154.11
153.59
152.98
53.92
53.90
53.86
47.41
47.39
60.37
170.64
Total Reserves
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
1,616.09
Non-Current Liabilities
8,991.67
7,206.15
6,811.67
4,966.87
4,754.63
3,816.58
2,410.03
3,315.43
3,623.55
3,808.34
Secured Loans
8,734.99
6,879.96
6,407.82
4,404.68
3,966.61
2,916.19
2,619.46
2,095.77
2,419.32
2,663.01
Unsecured Loans
411.56
365.27
588.39
833.44
856.24
1,013.30
0.00
1,013.52
893.84
905.61
Long Term Provisions
8.54
8.60
12.49
22.91
25.60
24.67
28.84
225.88
349.19
232.60
Current Liabilities
6,764.73
4,331.42
3,375.78
5,756.84
7,643.27
10,091.23
10,274.03
8,080.73
9,655.95
9,246.85
Trade Payables
3.37
2.02
15.13
94.09
25.06
369.66
322.38
218.90
183.35
225.40
Other Current Liabilities
827.78
455.05
448.03
467.82
453.69
517.95
444.45
2,292.57
2,336.64
2,567.25
Short Term Borrowings
5,933.58
3,874.35
2,912.62
5,194.93
7,164.52
9,203.62
9,507.20
5,480.23
7,004.56
6,329.55
Short Term Provisions
0.00
0.00
0.00
0.00
0.00
0.00
0.00
89.04
131.40
124.65
Total Liabilities
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
14,882.48
Net Block
194.13
221.43
214.21
199.37
241.84
199.14
206.59
277.72
265.42
211.81
Gross Block
299.06
363.97
328.29
329.86
337.62
259.72
234.86
497.25
442.92
359.50
Accumulated Depreciation
104.93
142.54
114.08
130.48
95.79
60.58
28.27
219.53
177.51
147.69
Non Current Assets
22,650.82
15,811.37
15,195.65
11,842.26
14,055.86
15,469.94
14,025.29
8,878.48
10,249.69
9,787.58
Capital Work in Progress
0.26
4.56
0.46
0.18
6.62
3.85
1.08
7.53
13.04
8.75
Non Current Investment
224.28
241.77
0.00
177.44
150.60
141.15
140.26
472.93
324.15
307.97
Long Term Loans & Adv.
181.89
123.33
125.56
100.97
109.62
117.72
106.94
98.31
16.73
23.27
Other Non Current Assets
3.78
1.67
4.64
3.07
0.74
1.45
0.00
197.62
134.92
136.13
Current Assets
1,221.96
1,340.09
867.41
1,075.75
1,090.04
1,181.75
630.78
4,724.00
5,236.03
5,094.90
Current Investments
654.05
268.37
0.00
0.00
0.00
0.00
0.00
73.56
75.53
105.82
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
28.66
20.67
14.03
12.92
9.91
10.97
3.72
6.75
7.05
7.55
Cash & Bank
268.54
657.43
596.97
774.69
708.28
956.85
406.70
353.31
408.38
626.83
Other Current Assets
270.71
83.67
109.63
97.85
371.84
213.94
220.36
4,290.38
4,745.06
4,354.70
Short Term Loans & Adv.
192.94
309.95
146.78
190.30
128.53
43.85
42.18
4,159.60
4,614.23
4,221.78
Net Current Assets
-5,542.77
-2,991.33
-2,508.37
-4,681.09
-6,553.23
-8,909.47
-9,643.25
-3,356.73
-4,419.92
-4,151.94
Total Assets
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
14,882.48

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-7,556.49
-5,063.87
-2,873.22
1,644.30
998.24
-923.27
389.52
0.00
0.00
0.00
PBT
2,176.24
905.19
491.68
-748.77
81.78
441.70
288.98
0.00
0.00
0.00
Adjustment
-702.18
14.92
151.37
1,496.24
559.53
304.49
355.06
0.00
0.00
0.00
Changes in Working Capital
-8,367.00
-5,929.22
-3,464.82
901.21
345.63
-1,627.66
-150.90
0.00
0.00
0.00
Cash after chg. in Working capital
-6,892.94
-5,009.11
-2,821.77
1,648.68
986.94
-881.47
493.14
0.00
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
-663.55
-54.76
-51.45
-4.38
11.29
-41.80
-103.62
0.00
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
2,969.35
-283.12
-32.85
81.35
-280.70
-97.85
-35.62
0.00
0.00
0.00
Net Fixed Assets
54.91
-44.01
-9.69
21.07
-74.47
-26.95
213.54
-44.38
-39.02
-52.10
Net Investments
-368.19
309.57
-390.71
-26.58
-100.00
3.15
274.64
-122.06
-216.72
79.35
Others
3,282.63
-548.68
367.55
86.86
-106.23
-74.05
-523.80
166.44
255.74
-27.25
Cash from Financing Activity
4,330.67
5,748.47
2,902.96
-1,573.78
-1,082.56
1,490.50
-386.99
0.00
0.00
0.00
Net Cash Inflow / Outflow
-256.47
401.48
-3.11
151.86
-365.02
469.38
-33.09
0.00
0.00
0.00
Opening Cash & Equivalents
511.65
354.71
357.82
205.96
570.98
101.60
134.69
0.00
0.00
0.00
Closing Cash & Equivalent
255.18
756.19
354.71
357.82
205.96
570.98
101.60
0.00
0.00
0.00

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
105.17
87.80
78.88
80.75
101.48
101.44
83.05
91.57
90.72
86.87
ROA
7.01%
2.89%
2.04%
-4.02%
0.18%
1.94%
1.66%
0.09%
1.41%
1.33%
ROE
22.25%
8.92%
7.26%
-22.98%
1.03%
12.91%
11.36%
0.59%
11.23%
11.86%
ROCE
14.96%
7.93%
6.29%
2.53%
8.99%
10.43%
10.68%
8.97%
10.92%
11.56%
Fixed Asset Turnover
9.38
5.60
4.68
6.95
8.42
9.94
6.26
5.35
6.60
7.26
Receivable days
2.90
3.27
3.19
1.80
1.52
1.09
0.83
1.00
1.01
1.79
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
220.45
198.60
128.96
128.51
145.82
Cash Conversion Cycle
2.90
3.27
3.19
1.80
1.52
-219.36
-197.77
-127.96
-127.50
-144.03
Total Debt/Equity
1.86
1.65
1.64
4.79
4.38
4.81
6.16
4.64
5.48
6.51
Interest Cover
3.25
2.26
1.77
0.31
1.06
1.39
1.26
1.04
1.26
1.18

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • 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

    Read More
  • 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

    Read More
  • 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

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  • 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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  • Poonawalla Fincorp implements advanced AI - powered debt management platform
    28th Apr 2025, 10:00 AM

    This aims to enhance efficiency across processes, strategic designs, and governance framework

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  • Poonawalla Fincorp raises Rs 1525 crore through NCDs
    22nd Apr 2025, 09:39 AM

    The Finance Committee vide resolution dated April 21, 2025, as authorized by the Board of Directors of the company has approved allotment of the same

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  • Poonawalla Fincorp gets nod to raise funds up to Rs 1,875 crore via NCDs
    16th Apr 2025, 10:21 AM

    The Finance Committee, as authorized by the Board of Directors of the Company had approved the same on April 15, 2025

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  • Poonawalla Fincorp launches gold loan business
    15th Apr 2025, 09:30 AM

    This new offering provides a secure, fast, and transparent financing solution for individuals and businesses, catering to diverse financial needs

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  • Poonawalla Fincorp launches Shopkeeper Loan Business
    8th Apr 2025, 09:57 AM

    The company aims to provide tailored financial solutions to small retailers and kirana stores across India

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  • Poonawalla Fincorp unveils AI-powered underwriting solution
    24th Mar 2025, 09:09 AM

    The AI solution integrates LLM and ML platforms to create an automated and intelligent credit decisioning system

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