NSE / BSEFinancial Services
β‚Ή466.05+0.25+0.05%
P/E172.0Mkt Capβ‚Ή37.46 K CrEV/EBITDA0.0

POONAWALLA FINCORP LIMITED

P/E172.0Mkt Capβ‚Ή37.46 K CrEV/EBITDA0.0
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 10.77% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+9.8%); May the lowest (-3.5%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-17.5%Negative MonthJan 2026: -17.46%+14.1%Positive MonthFeb 2026: +14.09%-19.0%Negative MonthMar 2026: -18.97%+13.2%Positive MonthApr 2026: +13.19%-8.6%Negative MonthMay 2026: -8.61%+15.7%Positive MonthJun 2026: +15.73%+5.7%*Positive MonthJul 2026: +5.67%β€”β€”β€”β€”β€”
2025-1.4%Neutral MonthJan 2025: -1.40%-9.3%Negative MonthFeb 2025: -9.30%+24.5%Positive MonthMar 2025: +24.47%+7.1%Positive MonthApr 2025: +7.12%+7.7%Positive MonthMay 2025: +7.72%+15.3%Positive MonthJun 2025: +15.32%-9.1%Negative MonthJul 2025: -9.09%+1.7%Neutral MonthAug 2025: +1.75%+15.5%Positive MonthSep 2025: +15.45%-3.2%Negative MonthOct 2025: -3.16%-0.4%Neutral MonthNov 2025: -0.35%+0.5%Neutral MonthDec 2025: +0.54%
2024+9.7%Positive MonthJan 2024: +9.72%-2.2%Negative MonthFeb 2024: -2.16%-0.5%Neutral MonthMar 2024: -0.51%+5.2%Positive MonthApr 2024: +5.23%-8.2%Negative MonthMay 2024: -8.22%-9.0%Negative MonthJun 2024: -9.02%-9.7%Negative MonthJul 2024: -9.74%+4.9%Positive MonthAug 2024: +4.93%+1.9%Neutral MonthSep 2024: +1.95%-5.0%Negative MonthOct 2024: -5.01%-5.5%Negative MonthNov 2024: -5.48%-11.3%Negative MonthDec 2024: -11.28%
2023-3.6%Negative MonthJan 2023: -3.55%-2.8%Negative MonthFeb 2023: -2.81%+1.2%Neutral MonthMar 2023: +1.25%+10.4%Positive MonthApr 2023: +10.43%+7.0%Positive MonthMay 2023: +6.97%-1.3%Neutral MonthJun 2023: -1.33%+14.9%Positive MonthJul 2023: +14.87%+6.4%Positive MonthAug 2023: +6.36%-8.8%Negative MonthSep 2023: -8.75%-7.1%Negative MonthOct 2023: -7.05%+15.9%Positive MonthNov 2023: +15.90%+6.5%Positive MonthDec 2023: +6.47%
2022+29.6%Positive MonthJan 2022: +29.58%-16.5%Negative MonthFeb 2022: -16.50%+14.5%Positive MonthMar 2022: +14.49%+13.0%Positive MonthApr 2022: +12.97%-15.4%Negative MonthMay 2022: -15.41%-12.3%Negative MonthJun 2022: -12.28%+17.3%Positive MonthJul 2022: +17.30%+15.0%Positive MonthAug 2022: +15.05%-0.3%Neutral MonthSep 2022: -0.26%+2.6%Positive MonthOct 2022: +2.58%-0.9%Neutral MonthNov 2022: -0.91%-1.0%Neutral MonthDec 2022: -0.98%
2021β€”β€”β€”β€”β€”+13.6%Positive MonthJun 2021: +13.56%+17.9%Positive MonthJul 2021: +17.94%-0.3%Neutral MonthAug 2021: -0.35%-6.0%Negative MonthSep 2021: -6.00%+1.7%Neutral MonthOct 2021: +1.66%+9.1%Positive MonthNov 2021: +9.06%+21.4%Positive MonthDec 2021: +21.35%
AvgΒ±SD+3.4%Β±15.7%-3.3%Β±10.1%+4.1%Β±14.7%+9.8%Β±3.2%-3.5%Β±9.2%+3.7%Β±11.7%+6.2%Β±11.7%+5.5%Β±5.3%+0.5%Β±8.4%-2.2%Β±3.7%+3.6%Β±7.7%+3.2%Β±10.7%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 0.965x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή4.19 K Crβ–Ό 28.1%
EBITDA Growthβ€”
Net Profitβ‚Ή-98.00β–Ό 104.8%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 33.2%
Revenue CAGR 5Y21.8%
EBITDA CAGR 5Y0.0%
Net Profit CAGR 5Y0.0%
NP Growth 1Y-104.8%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή4.19 K Crβ€”β‚Ή-98.00β€”β€”β€”-28.1%-104.8%
Mar 2024β‚Ή5.83 K Crβ€”β‚Ή2.06 K Crβ€”β€”β€”165.7%251.5%
Mar 2023β‚Ή2.19 K Crβ€”β‚Ή585.00 Crβ€”β€”β€”42.8%99.7%
Mar 2022β‚Ή1.54 K Crβ€”β‚Ή293.00 Crβ€”β€”β€”-16.9%-150.7%
Mar 2021β‚Ή1.85 K Crβ€”β‚Ή-578.00β€”β€”β€”-15.1%5680.0%
Mar 2020β‚Ή2.18 K Crβ€”β‚Ή-10.00β€”β€”β€”-2.5%-103.6%
Mar 2019β‚Ή2.23 K Crβ€”β‚Ή275.00 Crβ€”β€”β€”8.3%36.8%
Mar 2018β‚Ή2.06 K Crβ€”β‚Ή201.00 Crβ€”β€”β€”3.5%3250.0%
Mar 2017β‚Ή1.99 K Crβ€”β‚Ή6.00 Crβ€”β€”β€”-6.0%-96.8%
Mar 2016β‚Ή2.12 K Crβ€”β‚Ή187.00 Crβ€”β€”β€”4.4%25.5%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,8562,0302,1201,9932,0632,2342,1781,8491,5362,1935,8274,1905,080
Finance Costs1,0551,0619989431,0131,0181,1248755095959551,5152,027
Total Expenses6097748361,0258007979891,7236236078172,7782,693
Financing Profit1921942862525141964-7484049904,055-103359
Financing Margin %10%10%14%1%12%19%3%-40%26%45%70%-2%7%
Other Income201519343534412830-162-1,457338
Depreciation & Amortisation33353948495072524961596579
Profit Before Tax1781752661123740334-7733857672,539-135288
Tax %24%15%30%43%15%32%129%-25%24%24%19%-27%-
Net Profit / PAT1361491876201275-10-5782935852,056-98218
EPS (β‚Ή)7.137.837.900.268.4910.22-0.37-21.453.837.6226.54-1.262.75
Dividend Payout %11%10%10%311%9%8%0%0%10%26%8%0%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
POONAWALLA FINCORP LIMITEDthis co.β‚Ή37.46 K Crβ‚Ή4.19 K Cr172.003.810.00-28.1%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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