Poonawalla Fincorp
Poonawalla Fincorp Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Poonawalla Fincorp Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Poonawalla Fincorp Ltd trades at a P/E of 59.31× and P/B of 3.16×, against the Financial Services sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
Poonawalla Fincorp Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Poonawalla Fincorp Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Poonawalla Fincorp Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Poonawalla Fincorp Ltd, switchable between annual and quarterly views, consolidated or standalone.
Poonawalla Fincorp Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹38,180.78 Cr and reported EPS of ₹6.82.
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 2,455 | 2,513 | 2,319 | 2,004 | 1,939 | 3,109 | 4,190 | 6,790 |
| Other Income | 59 | 49 | 34 | 37 | 70 | 38 | 33 | 5 |
| Total Income | 2,513 | 2,563 | 2,352 | 2,041 | 2,008 | 3,147 | 4,223 | 6,796 |
| Gross Profit | 2,455 | 2,513 | 2,319 | 2,004 | 1,939 | 3,109 | 4,190 | 6,790 |
| +Operating Expenses | 634 | 621 | 502 | 697 | 742 | 748 | 1,212 | 2,001 |
| EBITDA | 1,821 | 1,892 | 1,817 | 1,307 | 1,197 | 2,361 | 2,978 | 4,789 |
| +Non-Operating Expenses | 1,173 | 1,369 | 1,157 | 771 | 664 | 1,826 | 1,580 | 2,861 |
| Profit Before Tax (PBT) | 442 | 83 | -754 | 490 | 751 | 2,134 | -135 | 724 |
| +Tax Expense | 138 | 55 | -190 | 116 | 181 | 483 | -37 | 182 |
| Profit After Tax (PAT) | 304 | 27 | -559 | 375 | 685 | 1,683 | -98 | 542 |
| Earnings Per Share (EPS) | 11.29 | 1.00 | -20.71 | 4.90 | 8.91 | 21.73 | -1.26 | 6.67 |
| Diluted Shares Outstanding (Nos.) | 27 | 27 | 27 | 76 | 77 | 77 | 78 | 81 |
| +Banking Income | 2,513 | 2,563 | 2,352 | 2,041 | 2,008 | 3,147 | 4,223 | 6,796 |
| +Additional Disclosures | 2,067 | 2,478 | 3,113 | 1,562 | 1,376 | 1,862 | 4,344 | 6,097 |
| Sales Growth % | — | 2.40 | -7.74 | -13.56 | -3.28 | 60.38 | 34.76 | 62.07 |
| YoY Sales Growth % | — | 2.40 | -7.74 | -13.56 | -3.28 | 60.38 | 34.76 | 62.07 |
| Employee Cost % | 18 | 18 | 16 | 26 | 27 | 14 | 15 | 15 |
| Other Cost % | 8 | 7 | 5 | 9 | 12 | 10 | 14 | 14 |
| OPM % | 74 | 75 | 78 | 65 | 62 | 76 | 71 | 71 |
| Tax % | 31 | 66 | 25 | 24 | 24 | 23 | 27 | 25 |
| Profit Growth % | — | -91.10 | -2,166.15 | 167.16 | 82.48 | 145.69 | -105.84 | 650.96 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 1,770 | 1,818 | 1,761 | 1,253 | 1,136 | 2,302 | 2,913 | 4,695 |
Poonawalla Fincorp segment analysis: revenue and profit mix.
Disclosed business segments at Poonawalla Fincorp with their share of revenue and profit, switchable between consolidated and standalone reporting.
Poonawalla Fincorp discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Poonawalla Fincorp Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Poonawalla Fincorp Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Poonawalla Fincorp Ltd's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Robust promoter holding (64%) signals strong insider confidence and stability.
Healthy operating profit margin (47%) indicates efficient cost management.
Substantial quarterly sales growth (56%) reflects strong demand.
Impressive 116% increase in quarterly profit highlights operational improvements.
Consistent revenue growth. 25.79% (3Y CAGR), 32.55% (TTM YOY).
What can break it.
High debt-to-equity ratio (3.64) raises financial leverage concerns.
Negative Return on Equity (-1.28%) signals ineffective shareholder returns.
Exceptionally high P/E ratio (182.00) suggests significant overvaluation risk.
Low Return on Capital Employed (4.77%) indicates inefficient capital utilization.
Negative Return on Assets (-0.35%) signals asset management inefficiencies.
What would change my mind.
Trim if P/E re-rates above 77 (~4.2× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 470.86. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Poonawalla Fincorp Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Poonawalla Fincorp Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Poonawalla Fincorp Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Poonawalla Fincorp Ltd — derived from the live tape, not yesterday's close.
Poonawalla Fincorp Ltd last traded at ₹426.7 with an intraday range of ₹400.7–₹436 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹426.70| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 512.17 | +85.47 | +20.03% |
| R3 | 476.87 | +50.17 | +11.76% |
| R2 | 456.43 | +29.73 | +6.97% |
| R1 | 441.57 | +14.87 | +3.48% |
| PIVOT | 421.13 | -5.57 | -1.30% |
| CURRENT | 426.70 | — | — |
| S1 | 335.67 | -91.03 | -21.33% |
| S2 | 370.97 | -55.73 | -13.06% |
| S3 | 385.83 | -40.87 | -9.58% |
| S4 | 406.27 | -20.43 | -4.79% |
POONAWALLA is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 400.7 ~ 403.85
Trading Above opening range, showing Bullishness
Poonawalla Fincorp Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Poonawalla Fincorp Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Poonawalla Fincorp Ltd stood at 44.2% of traded volume, against a 20-day average of 56.2%.
Poonawalla Fincorp announcements: results, concalls, ratings, M&A.
Filings Poonawalla Fincorp sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Poonawalla Fincorp files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 265 documents below.
Copy of Newspaper Publication
Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
Copy of Newspaper Publication
Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
Copy of Newspaper Publication
Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
ESOP/ESOS/ESPS
Poonawalla Fincorp Limited has informed the Exchange regarding Allotment of 163243 Shares.
Allotment of Securities
Poonawalla Fincorp Limited has informed the Exchange regarding allotment of 100000 securities pursuant to Non Convertible Securities at its meeting…
Investor decks & rating reports.
Poonawalla Fincorp insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Poonawalla Fincorp as reported to SEBI — buying and selling signals from the people who know the business best.
Poonawalla Fincorp insider activity below tracks 5 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| RISING SUN HOLDINGS PRIVATE LIMITED | Insider | 19 Mar 2025 | buy | +4.09 L | ₹13.1 Cr | ₹320.40 |
| RISING SUN HOLDINGS PRIVATE LIMITED | Insider | 18 Mar 2025 | buy | +7.00 L | ₹21.13 Cr | ₹301.80 |
| RISING SUN HOLDINGS PRIVATE LIMITED | Insider | 17 Mar 2025 | buy | +2.00 L | ₹5.77 Cr | ₹288.50 |
| RISING SUN HOLDINGS PRIVATE LIMITED | Insider | 27 Dec 2024 | buy | +1.00 L | ₹3.21 Cr | ₹321.10 |
| RISING SUN HOLDINGS PRIVATE LIMITED | Insider | 20 Dec 2024 | buy | +4.00 L | ₹12.84 Cr | ₹320.92 |
Poonawalla Fincorp dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Poonawalla Fincorp has declared, sequenced by announce and record date.
Poonawalla Fincorp corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Poonawalla Fincorp Ltd: business, sector, key facts.
What Poonawalla Fincorp Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Poonawalla Fincorp Ltd operates in the Financial Services, listed as NSE: POONAWALLA, BSE: 524000.
Poonawalla Fincorp Limited (formerly Magma Fincorp Limited) is a prominent non-banking finance company (NBFC) operating within India. Its core business revolves around providing a diverse range of asset financing services catering to a broad spectrum of customers. This includes both individual and business clients, making it a significant player in the Indian financial landscape.
For individual borrowers, Poonawalla Fincorp offers a comprehensive suite of loan products. These cover personal needs such as home renovations, weddings, travel, and medical emergencies. Specific professional groups like chartered accountants (CA), company secretaries (CS), doctors, salaried employees, and government employees are also targeted with tailored loan options. This targeted approach demonstrates a keen understanding of the diverse financial needs within the Indian market.
On the business side, the company provides crucial funding for various sectors. Small and medium-sized enterprises (MSMEs) are a key focus, with working capital loans and other short-term financing solutions readily available. Larger businesses also have access to financing options, including loans against property and loans for purchasing assets like cars, medical equipment, and machinery. This broad approach ensures that Poonawalla Fincorp caters to a wide range of business sizes and requirements.
Beyond traditional lending, Poonawalla Fincorp also engages in innovative financial solutions. Supply chain financing, merchant cash advances, and digital consumer financing options reflect the company's commitment to adapting to modern financial trends and technological advancements within the Indian market. Further expanding its offerings, the company also provides auto leasing services, indicating a focus on broader asset financing options.
Completing its financial service portfolio, Poonawalla Fincorp offers insurance products, furthering its commitment to providing comprehensive financial solutions to its clientele. This diversification allows them to offer a one-stop shop for various financial needs, strengthening customer relationships and increasing their overall market share. The company's history, dating back to 1978, and its current status as a subsidiary of Rising Sun Holdings Pvt Ltd, underscores its established position and continued growth within the competitive Indian financial sector.
Questions investors ask about Poonawalla Fincorp Ltd (POONAWALLA).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Poonawalla Fincorp Ltd (POONAWALLA)?
The current share price of Poonawalla Fincorp Ltd (POONAWALLA) is ₹426.7. Today, the stock has gained by ₹22.20 (5.49%), trading in a range of ₹400.7 to ₹436. The stock opened at ₹403.7 with a trading volume of 1,14,50,981 shares.
02Is Poonawalla Fincorp Ltd stock a good investment for long-term?
Poonawalla Fincorp Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹38,180.78 crores, P/E ratio of 59.31, ROE of 5.85%, and ROCE of 4.77%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Poonawalla Fincorp Ltd stock?
The 52-week high price of Poonawalla Fincorp Ltd (POONAWALLA) is ₹570.4, while the 52-week low is ₹361.2. Currently trading at ₹426.7, the stock is 31.3% away from its 52-week low and 25.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Poonawalla Fincorp Ltd stock at the current price?
Whether to buy Poonawalla Fincorp Ltd stock at ₹426.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 59.31 and P/B ratio of 3.16. Today's performance shows a gain of 5.49%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Poonawalla Fincorp Ltd and when is the next dividend?
Poonawalla Fincorp Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹426.7, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Poonawalla Fincorp Ltd?
Poonawalla Fincorp Ltd's key financial metrics include: P/E Ratio: 59.31, P/B Ratio: 3.16, ROE: 5.85%, ROCE: 4.77%, Dividend Yield: 0.00%, EPS: ₹6.82, Book Value: ₹127.94, and Debt-to-Equity: 470.36. The company's market cap stands at ₹38,180.78 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Poonawalla Fincorp Ltd stock performing today in the market?
Poonawalla Fincorp Ltd stock opened at ₹403.7 and is currently trading at ₹426.7, showing a gain of ₹22.20 (5.49%). The intraday high is ₹436 and low is ₹400.7. The trading volume stands at 1,14,50,981 shares, indicating strong market participation today.
08What is the P/E ratio of Poonawalla Fincorp Ltd and what does it indicate?
Poonawalla Fincorp Ltd has a Price-to-Earnings (P/E) ratio of 59.31, which means investors are willing to pay ₹59.31 for every ₹1 of earnings. With an EPS of ₹6.82, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Poonawalla Fincorp Ltd (POONAWALLA) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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