POONAWALLA FINCORP LIMITED
₹462.30+₹20.20 (+4.6%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹37,462 Cr
- P/E
- 172.0x
- Revenue
- ₹4,190 Cr
- ROCE
- -1.2%
Price chart
Technical chartScreen technicals →-4.2% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- +4.2%
- 3M
- -3.1%
- 6M
- +10.9%
- 1Y
- -4.2%
- 5Y
- +158.2%
52-week range
Day change +₹20.20 (+4.6%) from ₹442 to ₹462 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in POONAWALLA, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 21.8%
Concerns1
- Valuation elevated — PE of 172.0x is 275% above peer average of 45.9x
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 81.3 Cr shares
- ISIN
- INE511C01022
- BSE code
- 524000
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹37,462 Cr
- P/E
- 172.0x
- P/B
- 3.8x
- Earnings yield
- 0.6%
- 52-week high
- ₹511.50
- 52-week low
- ₹368.40
Profitability
- ROE
- -1.2%
- ROCE
- -1.2%
- Dividend payout
- 8.0%
- Tax rate
- 19.0%
- Other income, % of PBT
- -57.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹4,190 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -28.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 21.8%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,457 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -799.4%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -104.8%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹6,986 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 79.1%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹231 Cr
Solvency and efficiency
- CFO / Net profit
- -3.40
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹4,190 Cr |
| Interest paid | ₹1,515 Cr |
| Expenses | ₹2,778 Cr |
| Financing profit | -₹103 Cr |
| Other income | ₹33 Cr |
| Depreciation | ₹65 Cr |
| Profit before tax | -₹135 Cr |
| Tax and other | -₹37 Cr |
| Net profit | -₹98 Cr |
Revenue and net profit
Revenue fell 28.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹1,849 Cr | -₹578 Cr |
| FY2022 | ₹1,536 Cr | ₹293 Cr |
| FY2023 | ₹2,193 Cr | ₹585 Cr |
| FY2024 | ₹5,827 Cr | ₹2,056 Cr |
| FY2025 | ₹4,190 Cr | -₹98 Cr |
Cash flows
FY2025: -₹10,569 Cr from operations, -₹11,051 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹2,088 Cr | ₹2,181 Cr |
| FY2022 | -₹1,649 Cr | -₹2,174 Cr |
| FY2023 | -₹3,900 Cr | -₹4,077 Cr |
| FY2024 | -₹6,986 Cr | -₹3,993 Cr |
| FY2025 | -₹10,569 Cr | -₹11,051 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹4,190 Cr-28.1%1Y
- Net profit
- -₹98 Cr-104.8%1Y
- Cash from operations
- -₹10,569 Cr
- Free cash flow
- -₹11,051 Cr
- Revenue CAGR, 5Y
- 21.8%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹4,190 Cr | -₹103 Cr | — | -₹98 Cr | -₹10,569 Cr | -₹11,051 Cr | — | -28.1% | -104.8% |
Monthly returns
Month-by-month returns of POONAWALLA across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹34,979 Cr |
| Equity capital | ₹155 Cr |
| Reserves | ₹7,969 Cr |
| Borrowings | ₹26,081 Cr |
| Other liabilities | ₹774 Cr |
| Assets | ₹34,979 Cr |
| Fixed assets | ₹244 Cr |
| Capital work in progress | ₹10 Cr |
| Investments | ₹1,342 Cr |
| Other assets | ₹33,383 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
POONAWALLA trades at 172.0x earnings against a peer median of 26.9x (a 539% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| POONAWALLA FINCORP LIMITEDPOONAWALLAthis companyP/E ↑ premium | ₹37,462 Cr | 172.0x | 3.8x | -1.2% | — |
| Housing &Urban Development Corporation Ltd.HUDCO | ₹43,063 Cr | 15.4x | 2.4x | 15.1% | — |
| Piramal Finance LimitedPIRAMALFIN | ₹41,863 Cr | 70.8x | 1.5x | 2.1% | 310.5x |
| Indian Renewable Energy Development Agency LimitedIREDA | ₹39,326 Cr | 20.9x | 3.0x | 16.5% | — |
| UCO BankUCOBANK | ₹36,264 Cr | 14.4x | 1.1x | 7.9% | — |
| CRISIL Ltd.CRISIL | ₹35,199 Cr | 52.7x | 17.8x | — | — |
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITEDCHOLAHLDNG | ₹34,125 Cr | 496.0x | 25.2x | 4.7% | 411.1x |
| Central Bank of IndiaCENTRALBK | ₹34,124 Cr | 7.8x | 0.9x | 10.4% | — |
| Tata Investment Corporation Ltd.TATAINVEST | ₹33,836 Cr | 102.0x | 1.1x | 0.9% | 115.1x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
POONAWALLA since 1 January, against earlier years.
Historical volatility
POONAWALLA's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -40.0% |
| FY2022 | 26.0% |
| FY2023 | 45.0% |
| FY2024 | 70.0% |
| FY2025 | -2.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹4,190 Cr |
| Costs | |
| Interest | ₹1,515 Cr |
| Expenses | ₹2,778 Cr |
| Financing profitFinancing Profit | -₹103 Cr |
| Financing marginFinancing Margin % | -2.0% |
| Other income and charges | |
| Profit before tax | -₹135 Cr |
| Tax | |
| Net profitNet Profit | -₹98 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹34,979 Cr |
| Equity capitalEquity Capital | ₹155 Cr |
| Reserves | ₹7,969 Cr |
| BorrowingsBorrowing | ₹26,081 Cr |
| Other liabilitiesOther Liabilities | ₹774 Cr |
| AssetsTotal Assets | ₹34,979 Cr |
| Fixed assetsFixed Assets | ₹244 Cr |
| Capital work in progressCWIP | ₹10 Cr |
| Investments | ₹1,342 Cr |
| Other assetsOther Assets | ₹33,383 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹10,569 Cr |
| Investing cash flowCash from Investing Activity | -₹482 Cr |
| Financing cash flowCash from Financing Activity | ₹10,821 Cr |
| Change in cashNet Cash Flow | -₹231 Cr |
Learn while you research
Academy chapters picked for POONAWALLA FINCORP LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 172.0, learn when high multiples are justified.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read