Poonawalla Fincorp
- 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.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →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.
- 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.
- 14 Oct 2026Analysts/Institutional Investor Meet/Con. Call UpdatesHigh impactVery positivePrice +0.9% on 15 OctQ2 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.
- 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.
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- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CRISIL | Crisil AAA | Stable | 9 Oct 2026 |
| CARE | Withdrawn | Stable | 28 Sep 2026 |
| Acuite | ACUITE AAA | Stable | 4 May 2026 |
| Brickwork | BWR AAA | Stable | 13 Feb 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 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 2026 | Financial Results | To consider and approve the unaudited financial results of the Company for the period ended September 30, 2026 |
| 17 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 5 May 2026 | Financial Results/Dividend | To consider and approve the financial results for the period ended March 31, 2026 and dividend |
| 16 Jan 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 17 Oct 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 25 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 763 | 915 | 978 | 989 | 1,057 | 1,166 | 1,314 | 1,542 | 1,818 | 2,115 | 2,330 | 2,624 |
| Interest | 224 | 281 | 320 | 352 | 385 | 458 | 546 | 638 | 739 | 844 | 922 | 1,035 |
| Expenses | 178 | 241 | 272 | 1,260 | 632 | 615 | 662 | 784 | 855 | 910 | 974 | 1,054 |
| Financing Profit | 361 | 393 | 386 | −622 | 40 | 93 | 105 | 121 | 224 | 362 | 435 | 535 |
| Financing Margin % | 47% | 43% | 39% | −63% | 4% | 8% | 8% | 8% | 12% | 17% | 19% | 20% |
| Other Income | 11 | 7 | 18 | 8 | 0 | 7 | 0 | 0 | 0 | 5 | 7 | 0 |
| Depreciation | 15 | 14 | 15 | 16 | 15 | 20 | 22 | 22 | 24 | 26 | 30 | 34 |
| Profit before tax | 357 | 385 | 390 | −630 | 25 | 80 | 83 | 99 | 200 | 341 | 411 | 501 |
| Tax % | 26% | 14% | 25% | −25% | 26% | 22% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 265 | 332 | 292 | −471 | 19 | 62 | 63 | 74 | 150 | 255 | 308 | 375 |
| EPS in Rs | 3.45 | 4.28 | 3.76 | −6.06 | 0.24 | 0.8 | 0.8 | 0.91 | 1.85 | 3.13 | 3.49 | 4.26 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 10%
- 5 Years
- 24%
- 3 Years
- 46%
- TTM
- 75%
- 10 Years
- 10%
- 5 Years
- 24%
- 3 Years
- 5%
- TTM
- 399%
- 10 Years
- 15%
- 5 Years
- 23%
- 3 Years
- 6%
- TTM
- —
- 10 Years
- 5%
- 5 Years
- 6%
- 3 Years
- 6%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Poonawalla Fincorp | ₹ 402.05 | ₹ 36,448 Cr. | 32.6x | 3.4x | 6% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 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.