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Banking And Finance | Mid Cap
Health Score : 6.40Poonawalla Fincorp, operating in the non-bank financial services sector, exhibits a mixed financial performance. The company demonstrates strong liquidity and efficiency, driven by robust current and quick ratios, and efficient asset utilization. Growth prospects appear promising, particularly in revenue and asset expansion. However, profitability metrics present a more nuanced picture, with some areas showing strength while others lag. The company's coverage ratios are generally sound, indicating an ability to meet its obligations. Areas of concern include solvency, which suggests relatively high levels of debt, and certain financial metrics like adjusted EPS and capital expenditures, which need improvement. Overall, Poonawalla Fincorp shows potential for growth and stability but needs to address its debt levels and improve specific financial performance indicators to achieve a more balanced financial profile. Recent negative trends in earnings per share and net income growth require close monitoring.
Health Score : 6.40Poonawalla Fincorp, operating in the non-bank financial services sector, exhibits a mixed financial performance. The company demonstrates strong liquidity and efficiency, driven by robust current and quick ratios, and efficient asset utilization. Growth prospects appear promising, particularly in revenue and asset expansion. However, profitability metrics present a more nuanced picture, with some areas showing strength while others lag. The company's coverage ratios are generally sound, indicating an ability to meet its obligations. Areas of concern include solvency, which suggests relatively high levels of debt, and certain financial metrics like adjusted EPS and capital expenditures, which need improvement. Overall, Poonawalla Fincorp shows potential for growth and stability but needs to address its debt levels and improve specific financial performance indicators to achieve a more balanced financial profile. Recent negative trends in earnings per share and net income growth require close monitoring.
Overall Valuation Score
Markets Depth NSE
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0
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Sell Orders
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0
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Markets Today NSE
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0.00
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0.00
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0.00
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0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
74.95
Industry Median
20.55
Mid Cap Median
26.80
P/E RATIO
69.11
P/B RATIO
3.63
Industry Median
1.24
Mid Cap Median
3.51
P/S RATIO
6.05
Industry Median
4.30
Mid Cap Median
5.59
Others
PEG RATIO
0.00
EV/EBITDA RATIO
24.88
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹460.95 as on Sep 1, 2026.
Growth Score : 6.00The company shows strong growth in revenue and assets, but negative trends in earnings per share and net income growth are concerning. Robust revenue and asset growth indicate successful expansion and market penetration. However, declines in EPS and net income growth suggest potential issues with profitability and cost management. These mixed results highlight the need for improved earnings and profitability strategies. The ratios were calculated using a weighted average, reflecting recent growth performance.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -33.59 | 41.36 | 148.87 | -22.67 | 62.05 |
| Operating Profit Growth Rate | 155.81 | 82.35 | 382.26 | -102.87 | 888.35 |
| Earnings Per Share (EPS) Growth | 123.64 | 81.84 | 143.88 | -105.8 | 629.37 |
| Asset Growth Rate | 24.46 | 41.22 | 3.73 | 45.43 | 72.06 |
| Net Income Growth Rate | 167.08 | 82.67 | 145.69 | -105.82 | 653.06 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Five-Star Business Finance Ltd | 8.55 | 8.21 | Neutral | 223.00 | 37.22 | 157.00 |
| 2 | Authum Investment & Infrastructure Ltd | 8.22 | 23.72 | Overvalued | 2100.00 | 22.60 | 1929.00 |
| 3 | Poonawalla Fincorp Ltd | 6.40 | 69.11 | Neutral | 812.00 | 6.15 | 542.00 |
| 4 | Sundaram Finance Ltd | 5.18 | 24.50 | Overvalued | 2938.00 | 165.09 | 2059.00 |
| 5 | Manappuram Finance Ltd | 3.83 | 28.44 | Neutral | 1561.00 | 16.23 | 993.00 |
| 6 | PEL | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤11th May 26
Q4 FY25-26 Earnings Conference Call
BULLISH SENTIMENT
Concall Report⬤21st Jan 26
Q3 FY26 Earnings Conference Call
BULLISH SENTIMENT
No Stock News Available at This Moment.
Poonawalla Fincorp Ltd is a non-deposit-taking NBFC, part of the Cyrus Poonawalla Group. It specializes in providing a diverse portfolio of financial products including professional loans, business loans for MSMEs, pre-owned car loans, and medical equipment finance, primarily serving retail and SME customers across India.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Poonawalla Fincorp Ltd's P/E ratio (TTM) is 74.95, compared to the industry median of 20.55 and large cap median of 26.80.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Poonawalla Fincorp Ltd's P/B ratio is 3.63, compared to the industry median of 1.24 and large cap median of 3.51.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Poonawalla Fincorp Ltd's P/S ratio is 6.05, compared to the industry median of 4.30 and large cap median of 5.59.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Poonawalla Fincorp Ltd's PEG ratio is 0.80.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Poonawalla Fincorp Ltd's EV/EBITDA ratio is 24.88.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Poonawalla Fincorp Ltd's ROE is 5.24%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Poonawalla Fincorp Ltd's ROA is 1.35%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Poonawalla Fincorp Ltd's ROCE is 33.73%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Poonawalla Fincorp Ltd's operating margin is 11.96%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Poonawalla Fincorp Ltd's net margin is 7.98%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Poonawalla Fincorp Ltd's current ratio is 38.54.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Poonawalla Fincorp Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Poonawalla Fincorp Ltd's interest coverage ratio is 1.26.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Poonawalla Fincorp Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Poonawalla Fincorp Ltd's EPS is 629.37.
(Source line: "Ratios as of 29 Sept 2026, based on last traded price of ₹460.95. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1988 (as Magma Leasing Limited) (as Magma Fincorp Limited)
Headquarters: Pune, Maharashtra
Core Offerings: Professional Loans, Business Loans for MSMEs, Pre-owned Car Loans, Medical Equipment Finance, Supply Chain Finance
Stock Listing: NSE (POONAWALLA), BSE (524000)
Promoter: Rising Sun Holdings Private Limited (part of Cyrus Poonawalla Group)
1988: Incorporated as Magma Leasing Limited.
Mid-2000s: Evolved into a diversified financial services company, significantly expanding its asset finance portfolio.
2010s: Operated as Magma Fincorp Limited, continuing its growth in various lending segments across India.
2021: Acquired by Rising Sun Holdings Private Limited, owned by Mr. Adar Poonawalla, leading to a strategic repositioning and rebranding as Poonawalla Fincorp Ltd.
Present: Focuses on a tech-enabled, transparent lending model, leveraging the strong brand reputation of the Poonawalla Group.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Professional Loans | Approx. 28% of AUM | Operating Profit |
| MSME Loans (Business Loans) | Approx. 25% of AUM | Operating Profit |
| Pre-owned Car Loans | Approx. 20% of AUM | Operating Profit |
| Medical Equipment Finance | Approx. 12% of AUM | Operating Profit |
| Supply Chain Finance | Approx. 10% of AUM | Operating Profit |
Professional Loans: Provides tailored financing solutions to self-employed professionals such as doctors, chartered accountants, and company secretaries for their practice or personal financial needs.
MSME Loans (Business Loans): Offers secured and unsecured loans to Micro, Small, and Medium Enterprises to support working capital, business expansion, and operational requirements.
Pre-owned Car Loans: Specializes in financing the purchase of pre-owned passenger vehicles, focusing on swift processing and flexible repayment structures.
Medical Equipment Finance: Facilitates financing for healthcare professionals and institutions to acquire essential medical equipment, aiding in the upgrade and expansion of medical facilities.
Supply Chain Finance: Provides efficient financing solutions across the supply chain, including dealer finance and vendor finance, to optimize working capital for businesses.
Mr. Adar Poonawalla - Non-Executive Chairman. He is the CEO of Serum Institute of India and played a pivotal role in the acquisition and transformation of the company. Mr. Abhay Bhutada - Managing Director. A seasoned professional with extensive experience in the financial services sector, responsible for leading the company's growth and operations.
No major recent corporate actions (like bonus issues, rights issues, or splits) on record.
The Poonawalla Fincorp Ltd share price today is ₹460.95 on NSE (POONAWALLA), as of 29 Sept 2026.
As of 29 Sept 2026, Poonawalla Fincorp Ltd share price is ₹460.95, with previous close ₹460.95. Today's range is ₹460.95 to ₹460.95. The 52-week range is ₹N/A to ₹N/A.
As of today, Poonawalla Fincorp Ltd's market cap is ₹41,056.82 crore (Large Cap).
Poonawalla Fincorp Ltd's current P/E ratio is 74.95, compared to the BANKING AND FINANCE sector average of 26.80.
Poonawalla Fincorp Ltd's current P/B ratio is 3.63.
Poonawalla Fincorp Ltd's current dividend yield is N/A. Last dividend of ₹2.00 per share was declared on 09-Aug-2024.
Poonawalla Fincorp Ltd's EPS (TTM) is ₹629.37.
Poonawalla Fincorp Ltd is a non-deposit-taking NBFC, part of the Cyrus Poonawalla Group. It specializes in providing a diverse portfolio of financial products including professional loans, business loans for MSMEs, pre-owned car loans, and medical equipment finance, primarily serving retail and SME customers across India.
Poonawalla Fincorp Ltd is promoted by Rising Sun Holdings Private Limited (part of Cyrus Poonawalla Group), holding 63.93% as of 29 Sept 2026.
Poonawalla Fincorp Ltd is listed on NSE (POONAWALLA) and BSE (524000). Its next quarterly results are expected on October/November 2024 (Q2 FY25).
Debt To Asset Ratio