POONAWALLA FINCORP LIMITED
Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers instant, personal, business, commercial vehicle, consumer durable, gold, education, professional, pre-owned car, medical equipment, and machinery loans; digital personal, and shopkeeper loans; loans against property; and mid-market and NBFC lending. It also provides supply chain financing and credit leasing services. In addition, the company offers insurance services. It serves individuals, salaried and self-employed professionals, students, proprietorship, MSMEs, OPCs, partnership firms, LLPs, private and public companies, private and public trusts, and society. The company was formerly known as Magma Fincorp Limited and changed its name to Poonawalla Fincorp Limited in July 2021. The company was incorporated in 1978 and is based in Mumbai, India. Poonawalla Fincorp Limited is a subsidiary of Rising Sun Holdings Pvt Ltd.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 21.8%
Concerns1
- Valuation elevated β PE of 172.0x is 275% above Financial Services median of 45.9x
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 | βΉ4.19 K Cr | β | βΉ-98.00 | β | β | β | -28.1% | -104.8% |
| Mar 2024 | βΉ5.83 K Cr | β | βΉ2.06 K Cr | β | β | β | 165.7% | 251.5% |
| Mar 2023 | βΉ2.19 K Cr | β | βΉ585.00 Cr | β | β | β | 42.8% | 99.7% |
| Mar 2022 | βΉ1.54 K Cr | β | βΉ293.00 Cr | β | β | β | -16.9% | -150.7% |
| Mar 2021 | βΉ1.85 K Cr | β | βΉ-578.00 | β | β | β | -15.1% | 5680.0% |
| Mar 2020 | βΉ2.18 K Cr | β | βΉ-10.00 | β | β | β | -2.5% | -103.6% |
| Mar 2019 | βΉ2.23 K Cr | β | βΉ275.00 Cr | β | β | β | 8.3% | 36.8% |
| Mar 2018 | βΉ2.06 K Cr | β | βΉ201.00 Cr | β | β | β | 3.5% | 3250.0% |
| Mar 2017 | βΉ1.99 K Cr | β | βΉ6.00 Cr | β | β | β | -6.0% | -96.8% |
| Mar 2016 | βΉ2.12 K Cr | β | βΉ187.00 Cr | β | β | β | 4.4% | 25.5% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 5,080 |
| Finance Costs | 2,027 |
| Total Expenses | 2,693 |
| Financing Profit | 359 |
| Financing Margin % | 7% |
| Other Income | 8 |
| Depreciation & Amortisation | 79 |
| Profit Before Tax | 288 |
| Tax % | - |
| Net Profit / PAT | 218 |
| EPS (βΉ) | 2.75 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| POONAWALLA FINCORP LIMITEDthis co. | βΉ37.46 K Cr | βΉ4.19 K Cr | 172.00 | 3.81 | 0.00 | -28.1% |
| 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% |