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Poonawalla Fincorp Ltd

Poonawalla Fincorp

Large Cap•2,384 Employees•IPO 2005
Current Price
₹424.25
10.6 (2.56%)Updated
NSE :POONAWALLA
BSE :524000
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
93.82vs 19.20
P/B Ratio
3.23vs 2.16
Div Yield
0.00%vs 0.57%
Today's Range
₹412.30
₹424.25
union icon
₹426.50
52 Week Range
52W Low₹277.60
52W High₹570.40
₹424.25
union icon
Downside52.83%
Upside34.45%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

Loading chart...

Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹38,762.71 Cr
Market Cap
Total market value of company
P/E Ratio
107.20
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
4.07
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹4.42
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
1.51%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
4.77%
ROCE
Return on Capital Employed. >15% is good
Net Margin
6.33%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
9.68%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
56.00%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
116.00%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.19
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹105.76
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
64.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Robust promoter holding (64%) signals strong insider confidence and stability.
  • •Healthy operating profit margin (47%) indicates efficient cost management.

Weaknesses

5 points
  • •High debt-to-equity ratio (3.64) raises financial leverage concerns.
  • •Negative Return on Equity (-1.28%) signals ineffective shareholder returns.

Opportunities

5 points
  • •Expanding NBFC sector in India presents significant growth opportunities.
  • •Leveraging digital transformation and fintech innovations can enhance operational efficiency.

Threats

5 points
  • •Intense competition from established players impacts market share, profitability.
  • •Adverse changes in NBFC regulatory policies could impact operations.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

Recent Insider Transactions

Insider NameTransaction DateFiling DateTotal SharesChangePriceAction
RISING SUN HOLDINGS PRIVATE LIMITED
20 Dec 202423 Dec 202448.51 Cr
4.00 L
₹320.92BUY
RISING SUN HOLDINGS PRIVATE LIMITED
27 Dec 202431 Dec 202448.52 Cr
1.00 L
₹321.1BUY
RISING SUN HOLDINGS PRIVATE LIMITED
17 Mar 202518 Mar 202548.54 Cr
2.00 L
₹288.5BUY
RISING SUN HOLDINGS PRIVATE LIMITED
18 Mar 202519 Mar 202548.61 Cr
7.00 L
₹301.8BUY
RISING SUN HOLDINGS PRIVATE LIMITED
19 Mar 202520 Mar 202548.65 Cr
4.09 L
₹320.4BUY

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹458.13+₹33.88+7.99%
R3₹443.93+₹19.68+4.64%
R2₹435.22+₹10.97+2.58%
R1₹429.73+₹5.48+1.29%
PIVOT₹421.02-3.23-0.76%
CURRENT₹424.25--
S1₹387.13-₹37.12-8.75%
S2₹401.33-₹22.92-5.40%
S3₹406.82-₹17.43-4.11%
S4₹415.53-₹8.72-2.05%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
8.24L
(10 Mar 2026)
-50.4% vs avg
Delivery %
41.5%
(10 Mar 2026)
+0.4% vs avg
Avg Volume (20D)
1.66M
(10 Feb - 10 Mar)
20-day average
Avg Delivery %
41.0%
(10 Feb - 10 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
BAJFINANCE
Bajaj Finance Ltd
CGCL
Capri Global Capital Ltd
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
CREDITACC
CreditAccess Grameen Ltd
FIVESTAR
Five-Star Business Finance Ltd
HDBFS
HDB Financial Services Ltd
LTF
L&T Finance Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
MUTHOOTFIN
Muthoot Finance Ltd
SBICARD
SBI Cards & Payment Services Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP

About

POONAWALLA

Poonawalla Fincorp Ltd

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.

COMPANY FACTS - POONAWALLA

Registered Address

201 And 202, 2Nd Floor, AP81, Koregaon Park Annex, Mundhwa

Pune

MAHARASHTRA

IN

Tel: 912067808090

Website:https://poonawallafincorp.com/

Investor Relations:http://www.poonawallafincorp.com/investor.php
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 2,384

IPO Date: 12/08/2005

MANAGEMENT - POONAWALLA

Mr. Adar Poonawalla

Non Executive Chairman of the Board

Mr. Sanjay Miranka

Chief Financial Officer

Mr. Dhiraj Saxena

Chief Technology Officer

Mr. Manoj Gujaran

Chief Compliance Officer

Mr. Rajendra Tathare

Chief Risk Officer

Mr. Abhay Bhutada

Managing Director - Poonawalla Fincorp, Executive Director

Mr. Sunil Samdani

Whole-Time Director

Ms. Smita Mitra

Head - Human Resources

Mr. Anup Agarwal

Chief Internal Auditor

Mr. Manish Chaudhari

Head - Retail Assets

Mr. Ashish Mehta

Chief of Staff

Mr. Hiren Shah

Head - Strategy, BIU & IR

Investor Questions Answered

Poonawalla Fincorp Ltd (POONAWALLA) Stock FAQs

Get answers to the most common questions about Poonawalla Fincorp Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Poonawalla Fincorp Ltd (POONAWALLA) is ₹424.25. Today, the stock has gained by ₹10.60 (2.56%), trading in a range of ₹412.3 to ₹426.5. The stock opened at ₹416.95 with a trading volume of 8,23,564 shares.
Poonawalla Fincorp Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹38,762.71 crores, P/E ratio of 107.20, ROE of 1.51%, 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.
The 52-week high price of Poonawalla Fincorp Ltd (POONAWALLA) is ₹570.4, while the 52-week low is ₹277.6. Currently trading at ₹424.25, the stock is 50.1% away from its 52-week low and 25.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Poonawalla Fincorp Ltd stock at ₹424.25 depends on multiple factors. The stock is currently trading with a P/E ratio of 107.20 and P/B ratio of N/A. Today's performance shows a gain of 2.56%. 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.
Poonawalla Fincorp Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹424.25, 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.
Poonawalla Fincorp Ltd's key financial metrics include: P/E Ratio: 107.20, P/B Ratio: N/A, ROE: 1.51%, ROCE: 4.77%, Dividend Yield: 0.00%, EPS: ₹4.42, Book Value: ₹105.76, Debt-to-Equity: 3.19, and Current Ratio: N/A. The company's market cap stands at ₹38,762.71 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Poonawalla Fincorp Ltd stock opened at ₹416.95 and is currently trading at ₹424.25, showing a gain of ₹10.60 (2.56%). The intraday high is ₹426.5 and low is ₹412.3. The trading volume stands at 8,23,564 shares, indicating moderate market participation today.
Poonawalla Fincorp Ltd has a Price-to-Earnings (P/E) ratio of 107.20, which means investors are willing to pay ₹107.20 for every ₹1 of earnings. With an EPS of ₹4.42, 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.
Poonawalla Fincorp Ltd has a market capitalization of ₹38,762.71 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹424.25) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Poonawalla Fincorp Ltd has a book value of ₹105.76 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹424.25, which is 301.1% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Poonawalla Fincorp Ltd has a Return on Equity (ROE) of 1.51% and Return on Capital Employed (ROCE) of 4.77%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Poonawalla Fincorp Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Poonawalla Fincorp Ltd has a debt-to-equity ratio of 3.19, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Poonawalla Fincorp Ltd has an Earnings Per Share (EPS) of ₹4.42, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹424.25 and P/E ratio of 107.20, investors are paying 107.20 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Poonawalla Fincorp Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Poonawalla Fincorp Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Poonawalla Fincorp Ltd stock, consider: 1) Fundamental Analysis - Review P/E (107.20), ROE (1.51%), debt-to-equity (3.19), and growth rates. 2) Technical Analysis - Check 52-week range (₹277.60 - ₹570.40), moving averages, and chart patterns. 3) Valuation - Compare current price (₹424.25) with book value (₹105.76) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Poonawalla Fincorp Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹424.25 is 21113x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Poonawalla Fincorp Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹277.60 - ₹570.40). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.19 indicates leverage. 4) Liquidity Risk - Based on trading volume of 8,23,564 shares. 5) Valuation Risk - P/E of 107.20 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Poonawalla Fincorp Ltd operates in the industry with key metrics: P/E ratio of 107.20, ROE of 1.51%, market cap of ₹38,762.71 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.19), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Poonawalla Fincorp Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹424.25, with a 52-week range of ₹277.60 to ₹570.40. Based on fundamentals like P/E (107.20), ROE (1.51%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Poonawalla Fincorp Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹424.25. 2) Fundamental Deterioration - Declining ROE (currently 1.51%), increasing debt (D/E: 3.19), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Poonawalla Fincorp Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.