Piramal Finance Limited
Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India. It offers housing loans, such as home, construction, and home renovation and extension loan; business loans, which include working capital loan, loan against property and secured business loan, as well as loans for growing business, consolidate business needs, and professionals; and real estate financing, corporate finance, emerging corporate lending, and capital markets and advisory services. Piramal Finance Limited was formerly known as Piramal Capital & Housing Finance Limited and changed its name to Piramal Finance Limited in March 2022. The company was incorporated in 1984 and is based in Mumbai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong cash conversion β FCF/PAT ratio of 3.25
Concerns1
- Low return on equity of 2.1%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ10.31 K Cr | β | βΉ574.00 Cr | β | β | 2.1% | 54.7% | -130.0% |
| Mar 2024 | βΉ6.66 K Cr | β | βΉ-1911.00 | β | β | -12.7% | 1.1% | -74.3% |
| Mar 2023 | βΉ6.59 K Cr | β | βΉ-7425.00 | β | β | -49.8% | 9.2% | -1511.6% |
| Mar 2022 | βΉ6.04 K Cr | β | βΉ526.00 Cr | β | β | 2.4% | 18.8% | -49.1% |
| Mar 2021 | βΉ5.08 K Cr | β | βΉ1.03 K Cr | β | β | 4.8% | -45.5% | -107.6% |
| Mar 2020 | βΉ9.32 K Cr | β | βΉ-13612.00 | β | β | 245.8% | -27.6% | 1213.9% |
| Mar 2019 | βΉ12.88 K Cr | β | βΉ-1036.00 | β | β | -12.8% | 18.7% | -183.5% |
| Mar 2018 | βΉ10.85 K Cr | β | βΉ1.24 K Cr | β | β | 13.4% | 0.3% | -57.2% |
| Mar 2017 | βΉ10.82 K Cr | β | βΉ2.90 K Cr | β | β | 36.2% | 48.3% | 297.3% |
| Mar 2016 | βΉ7.29 K Cr | β | βΉ729.00 Cr | β | β | 14.5% | 22.0% | 17.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 10,107 |
| Total Expenses | 4,174 |
| EBIT / Operating Profit | 5,934 |
| OPM % | 59% |
| Other Income | 166 |
| Finance Costs | 5,356 |
| Depreciation & Amortisation | 296 |
| Profit Before Tax | 449 |
| Tax % | - |
| Net Profit / PAT | 510 |
| EPS (βΉ) | 12.33 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Piramal Finance Limitedthis co. | βΉ41.86 K Cr | βΉ10.31 K Cr | 70.80 | 1.53 | 310.48 | 54.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |