POONAWALLA

Poonawalla Fincorp Limited

Diversified NBFC — secured and unsecured retail and MSME lending, including gold loans

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

poonawallafincorp.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹445.70
Market cap
39,248 Cr
Stock P/E
36.1
P/B
2.85
Dividend yield
0.8%
ROE (FY26)
5.2%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Poonawalla Fincorp is a non-banking finance company that lends to salaried and self-employed customers across personal, consumer durable, commercial vehicle, education, gold and business loans.

Company snapshot

13thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income491 Cr563 Cr576 Cr559 Cr614 Cr610 Cr639 Cr764 Cr921 Cr1,050 Cr1,197 Cr1,380 Cr
Other income11 Cr7 Cr18 Cr8 Cr0.14 Cr7 Cr0.04 Cr0.47 Cr0.06 Cr5 Cr0 Cr0.34 Cr
Net operating income502 Cr569 Cr594 Cr567 Cr614 Cr617 Cr639 Cr765 Cr921 Cr1,054 Cr1,197 Cr1,380 Cr
Employee cost113 Cr117 Cr102 Cr212 Cr148 Cr173 Cr213 Cr256 Cr285 Cr263 Cr294 Cr302 Cr
Other expenses72 Cr100 Cr125 Cr133 Cr127 Cr190 Cr208 Cr240 Cr243 Cr293 Cr306 Cr376 Cr
Provisions & contingencies————————————
Depreciation15 Cr14 Cr15 Cr16 Cr15 Cr20 Cr22 Cr22 Cr24 Cr26 Cr30 Cr35 Cr
Profit before tax357 Cr385 Cr390 Cr-630 Cr25 Cr80 Cr83 Cr99 Cr200 Cr341 Cr411 Cr501 Cr
Tax %25.7%13.9%25.2%25.3%25.6%22.3%25.0%25.0%25.0%25.3%25.2%25.2%
Net profit265 Cr332 Cr292 Cr-471 Cr19 Cr62 Cr63 Cr74 Cr150 Cr255 Cr308 Cr375 Cr
EPS (₹)₹3.45₹4.31₹3.79₹-6.10₹0.24₹0.81₹0.81₹0.95₹1.86₹3.15₹3.55₹4.27

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——1,128 Cr1,031 Cr1,065 Cr1,194 Cr1,220 Cr1,949 Cr2,359 Cr3,374 CrSign in free for the trailing twelve months
Other income55 Cr57 Cr59 Cr49 Cr34 Cr37 Cr70 Cr38 Cr33 Cr5 CrSign in free for the trailing twelve months
Net operating income55 Cr57 Cr1,186 Cr1,080 Cr1,099 Cr1,231 Cr1,290 Cr1,988 Cr2,392 Cr3,380 CrSign in free for the trailing twelve months
Employee cost293 Cr369 Cr437 Cr448 Cr382 Cr519 Cr515 Cr444 Cr636 Cr1,018 CrSign in free for the trailing twelve months
Other expenses279 Cr283 Cr197 Cr173 Cr121 Cr178 Cr227 Cr304 Cr576 Cr984 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation49 Cr49 Cr50 Cr75 Cr56 Cr55 Cr61 Cr59 Cr65 Cr94 CrSign in free for the trailing twelve months
Profit before tax47 Cr318 Cr442 Cr82 Cr-749 Cr492 Cr905 Cr2,176 Cr-135 Cr724 CrSign in free for the trailing twelve months
Tax %72.8%27.6%31.3%66.9%25.3%23.6%24.3%22.7%27.4%25.1%Sign in free for the trailing twelve months
Net profit13 Cr230 Cr304 Cr27 Cr-559 Cr375 Cr685 Cr1,683 Cr-98 Cr542 CrSign in free for the trailing twelve months
EPS (₹)₹0.86₹9.72₹11.33₹1.00₹-20.74₹5.23₹8.95₹21.89₹-1.27₹6.84Sign in free for the trailing twelve months
Dividend payout %—————0.0%4.5%18.3%—0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital47 Cr47 Cr54 Cr54 Cr54 Cr153 Cr154 Cr154 Cr155 Cr162 Cr
Reserves2,125 Cr2,272 Cr2,690 Cr2,694 Cr2,140 Cr5,903 Cr6,708 Cr8,013 Cr8,020 Cr10,187 Cr
Borrowings8,590 Cr8,698 Cr13,133 Cr11,987 Cr10,433 Cr9,909 Cr11,120 Cr15,080 Cr25,881 Cr48,098 Cr
Other liabilities2,826 Cr2,683 Cr912 Cr504 Cr585 Cr476 Cr5,228 Cr840 Cr975 Cr1,825 Cr
Total liabilities13,622 Cr13,701 Cr16,789 Cr15,240 Cr13,212 Cr16,443 Cr23,221 Cr24,087 Cr35,030 Cr60,272 Cr
Fixed assets (net)185 Cr165 Cr159 Cr156 Cr125 Cr123 Cr118 Cr60 Cr55 Cr97 Cr
CWIP8 Cr2 Cr3 Cr0 Cr0.18 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Investments546 Cr649 Cr141 Cr151 Cr177 Cr0.08 Cr311 Cr878 Cr1,342 Cr2,491 Cr
Loans & advances——15,007 Cr13,546 Cr11,361 Cr14,851 Cr15,219 Cr22,046 Cr32,695 Cr55,951 Cr
Trade receivables7 Cr3 Cr9 Cr8 Cr10 Cr10 Cr19 Cr22 Cr18 Cr38 Cr
Cash & bank353 Cr418 Cr571 Cr206 Cr358 Cr355 Cr601 Cr255 Cr25 Cr286 Cr
Other assets12,523 Cr12,464 Cr900 Cr1,173 Cr1,180 Cr1,104 Cr6,953 Cr825 Cr895 Cr1,408 Cr
Total assets13,622 Cr13,701 Cr16,789 Cr15,240 Cr13,212 Cr16,443 Cr23,221 Cr24,087 Cr35,030 Cr60,272 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity——-923 Cr998 Cr1,644 Cr-3,049 Cr-5,237 Cr-7,556 Cr-10,569 Cr-21,786 Cr
Cash from investing——-98 Cr-281 Cr81 Cr143 Cr-110 Cr2,969 Cr-482 Cr-1,340 Cr
Cash from financing——1,491 Cr-1,083 Cr-1,574 Cr2,903 Cr5,748 Cr4,331 Cr10,821 Cr23,387 Cr
Net cash flow——469 Cr-365 Cr152 Cr-3 Cr401 Cr-256 Cr-231 Cr261 Cr
Free cash flow (OCF − Capex)——-978 Cr939 Cr1,622 Cr-3,112 Cr-5,318 Cr-7,574 Cr-10,613 Cr-21,893 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.9%9.9%11.1%1.0%-25.5%6.2%10.0%20.2%-1.2%5.2%
Debt / equity3.953.754.794.364.751.641.621.853.174.65