Poonawalla Fincorp

NSE: POONAWALLABSE: 524000
Compare with peers
₹ 402.05▼ 0.75 (−0.19%)28 Oct, 03:29 pm IST
Market cap
₹ 36,448 Cr.
P/E
32.6x
P/B
3.38x
52-week range
361.2 – 511.9
ROE
6%
Dividend yield
0%
Debt / equity
4.68
Sector
Finance
Industry
Non Banking Financial Company (NBFC)
Listed on
NSE, BSE

About

Poonawalla Fincorp Limited is an India-based non-banking finance company that focuses on consumer and micro, small, and medium enterprises (MSME) financing. Its products and services include Financing for Small and Medium Enterprises, Personal and Consumer, Loan Against Property, Pre-owned Car, Mid-market and NBFC Loan, Medical Equipment Loan & Machinery Loan, Supply Chain Finance, Educational Loan and Commercial Vehicle Loan. Its Personal Loan is provided to individuals for all consumption purposes, including but not limited to travel, medical, and emergency lifestyle purchases. Its Supply Chain Finance caters to the upstream and downstream financing needs of anchors, thereby helping MSMEs have easy access to capital. It provides pre-owned car loans to purchase a car or to refinance the car for personal or business funds requirements. It provides educational loans primarily focusing on students pursuing higher education in international universities.

Quick check

The five things to look at first. Open one for more.

Poonawalla Fincorp against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.

  • Valuation (P/E)32.6 against a typical 22.5: pricier than most peers (1st = cheapest).163rd of 284
  • Sales growth+70.2% against a typical +18.3% from a year earlier.58th of 259
  • Profit growth+406.8% against a typical +20.2% from a year earlier.12th of 214
  • Share price, 3 months−16.5% against a typical −4.2%.200th of 258
  • Size₹ 36,448 Cr. market value against a typical ₹ 43 Cr. (1st = largest).10th of 269

Latest announcements

Exchange filings and their impact on the company.

  • 26 Oct 2026Issue of SecuritiesLow impactNeutralPrice −1.1% that day
    Poonawalla Fincorp approved up to Rs 2,000 cr of secured NCDs to fund loan growth.

    Poonawalla Fincorp said its Finance Committee on October 26, 2026 approved issuance of secured, rated, listed non-convertible debentures up to Rs 2,000 crore via private placement. The issue has two series: up to Rs 1,250 crore under Series ZCB G1 and up to Rs 750 crore under Series G2, including green-shoe options. The NCDs are proposed to be listed on BSE and will be secured by a first-ranking pari passu charge, with proceeds to support the NBFCs funding and loan growth.

    Filing
  • 14 Oct 2026Analysts/Institutional Investor Meet/Con. Call UpdatesHigh impactVery positivePrice +0.9% on 15 Oct
    Q2 PAT of Rs 375 crore up 22% QoQ with ROA at 2.18% and AUM at Rs 74,008 crore confirms a profitable high-growth inflection.

    Poonawalla Fincorp filed the transcript of its Q2FY27 earnings call held on October 9, 2026. Management reported AUM of Rs 74,008 crore up 10.4% quarter-on-quarter, NIM plus fees of 9.26%, credit cost down to 2.19%, GNPA down to 1.2% and profit after tax of Rs 375 crore up 22% quarter-on-quarter with ROA at 2.18%. The company highlighted new-product disbursement share at 28%, 90 new gold branches, AI-led collections and cross-sell as drivers of sustained profitable growth.

    Filing
  • 9 Oct 2026Outcome of Board MeetingHigh impactVery positivePrice +0.4% on 12 Oct
    Q2 PAT jumped 5x YoY on 70% revenue growth, confirming a high-growth, profitable turnaround.

    Poonawalla Fincorp reported strong Q2 FY27 results with revenue of Rs 2,624.5 crore, up 70% from a year ago, and net profit of Rs 374.9 crore, up over 5 times. For the half year, revenue was Rs 4,954.7 crore and profit was Rs 682.6 crore, already above last full year's profit. Loans grew to Rs 69,563 crore, asset quality stayed stable with gross stage-3 at 1.20%, and the board also approved re-appointment of independent director Kemisha Soni for a second term from January 2027.

    Filing

Credit ratings

Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates

Highest safety

Rated AAA by 3 agencies
AAA
DefaultRiskyModerateSafeVery safe
  • All agencies agree and none has raised a warning.
AgencyCurrent ratingOutlookAs of
CRISILCrisil AAAStable9 Oct 2026
CAREWithdrawnStable28 Sep 2026
AcuiteACUITE AAAStable4 May 2026
BrickworkBWR AAAStable13 Feb 2026
Credit rating actions
RatingDetails
9 Oct 2026
Reaffirmed
Crisil AA+ → Crisil AAA—CRISIL₹ 66,443.3 Cr.
28 Sep 2026
Withdrawn
was CARE AAA—CARE—
9 Sep 2026
Withdrawn
was Crisil AAA—CRISIL₹ 1,139.7 Cr.
16 Jul 2026
Reaffirmed
Crisil AAA—CRISIL₹ 53,483 Cr.
4 May 2026
Reaffirmed
ACUITE AAA—Acuite₹ 212.88 Cr.

Board meetings

Results dates and other board meetings. Full calendar

Details
9 Oct 2026Financial ResultsTo consider and approve the unaudited financial results of the Company for the period ended September 30, 2026
17 Jul 2026Financial ResultsTo consider and approve the financial results for the period ended Jun 30, 2026
5 May 2026Financial Results/DividendTo consider and approve the financial results for the period ended March 31, 2026 and dividend
16 Jan 2026Financial ResultsTo consider and approve the financial results for the period ended December 31, 2025
17 Oct 2025Financial ResultsTo consider and approve the financial results for the period ended September 30, 2025
25 Jul 2025Financial ResultsTo consider and approve the financial results for the period ended Jun 30, 2025

Share price

1Y change −18.02%
0 of 3 filing days came with a big price move
Volume (shares)Price (₹)
Close price

Financials

Consolidated figures in ₹ crore.

Quarterly results
₹ Cr.Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue7639159789891,0571,1661,3141,5421,8182,1152,3302,624
Interest2242813203523854585466387398449221,035
Expenses1782412721,2606326156627848559109741,054
Financing Profit361393386−6224093105121224362435535
Financing Margin %47%43%39%−63%4%8%8%8%12%17%19%20%
Other Income11718807000570
Depreciation151415161520222224263034
Profit before tax357385390−63025808399200341411501
Tax %26%14%25%−25%26%22%25%25%25%25%25%25%
Net Profit265332292−47119626374150255308375
EPS in Rs3.454.283.76−6.060.240.80.80.911.853.133.494.26

Growth and returns

Compounded yearly rates over each period.

Compounded Sales Growth
10 Years
10%
5 Years
24%
3 Years
46%
TTM
75%
Compounded Profit Growth
10 Years
10%
5 Years
24%
3 Years
5%
TTM
399%
Stock Price CAGR
10 Years
15%
5 Years
23%
3 Years
6%
TTM
—
Return on Equity
10 Years
5%
5 Years
6%
3 Years
6%
TTM
—

Shareholding

Latest: Sep 2026.

Promoters
59.01%
−4.95 pts in a year
FIIs
11.64%
+1.08 pts in a year
DIIs
17.15%
+4.87 pts in a year
Public
12.2%
−0.38 pts in a year
Others
0%
−0.62 pts in a year

P/E and EPS over time

Daily P/E and trailing 12-month EPS. EPS updates with each result.

P/E 32.6xEPS (12 months) ₹ 12.73Median P/E 13.1x
P/E (times)EPS (₹)

Peers

Listed companies in the same business.

Peer comparison
Poonawalla Fincorp₹ 402.05₹ 36,448 Cr.32.6x3.4x6%—
Bajaj Finance₹ 927.00₹ 5,77,146 Cr.25x5.8x18.1%23.7%
Shriram Finance₹ 867.00₹ 2,04,004 Cr.13.9x3x16.4%20.9%
Jio Financial Services₹ 205.00₹ 1,35,364 Cr.95.5x1.2x—49.8%
Tata Capital₹ 307.05₹ 1,30,358 Cr.20.5x3.3x12.3%16%
Power Finance Corporation₹ 316.00₹ 1,04,283 Cr.5.4x1x20.7%29.1%

Management

Arvind Kapil
Chief Executive Officer, Managing Director, Director
Sanjay Miranka
Chief Financial Officer
Harsh Kumar
Chief Human Resources Officer
Salil Hajarnis
Chief Technology Officer
Bholananda Behera
Chief Compliance Officer
Bhaskar Pandey
Chief Risk Officer
Vikas Pandey
Additional Whole-time Director
Sunil Samdani
Whole-Time Director

Prices are delayed and for information only. Nothing on this page is investment advice.