āagman

Not investment advice. Data and computed figures, for information only.

Poonawalla Fincorp Ltd

NSE: POONAWALLA
₹441.30
+₹4.05 (+0.93%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹39,389 Cr
CMP
₹441.30
52-wk High / Low
₹545 / 361
P/E
36.2
P/B
2.9
Book Value
₹156.0
Div Yield
0.00%
ROCE
7.5%
ROE
6.0%
Face Value
₹2
D/E
4.68

Price−16.6% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 16 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
0
/ 9
0 of 9 F-score tests passed
Graham Number
₹153
√(22.5 × EPS × book value per share)
Cash flow to profit
−40.20
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
6.0%
ROE × earnings retention ratio
ROE stability
8.0
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −4.92FII +1.43DII +5.01
Latest quarter vs the previous one
Cash-accrual divergence
46.9%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 4.5pp over the last year
Watch-outs
−Latest ROCE of 7.5% trails the sector median of 9.4%
−Borrowings are up 400.1% since FY2016 (11859 to 59309)
−Price trades below its 200-day moving average (1.0x)
−Promoter holding fell by 3.1pp over the last year
−Piotroski F-Score of 0/9 is in the weak band (≤3)
−Balance-sheet accruals of 46.9% of average assets — earnings are not cash-backed

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Sep 2026
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Sales7397639159789891,0571,1661,3141,5421,8182,1152,3302,624
Expenses2071782412721,2606326156627848559109741,054
Operating Profit—————————————
OPM %—————————————
Other Income82911718807000570
Interest2162242813203523854585466387398449221,035
Depreciation15151415161520222224263034
Profit before tax1,130357385390−63025808399200341411501
Net Profit860265332292−47119626374150255308375
EPS (₹)11.193.454.283.76−6.060.240.800.800.911.853.133.494.26

Profit & Loss

As of 30 Sep 2026
Consolidated · ₹ Cr · 13 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTMSep 2026TTM
Sales2,5342,6562,5242,2902,4572,5132,3191,5402,1775,4184,1906,7907,806—8,889
Expenses1,0681,1471,3418728801,1121,9506238388802,7783,2103,522—3,792
Operating Profit———————————————
OPM %———————————————
Other Income25284339384939109184−1,36333412—12
Interest1,2331,1921,1311,1171,1221,2941,1005095959501,5152,7673,142—3,540
Depreciation353948495075564961596594102—115
Profit before tax2233064729144282−7494688662,166−1357241,051—1,454
Net Profit1872131323730427−5593756851,683−98542787—1,088
EPS (₹)9.498.930.869.9911.291.00−20.734.908.9121.73−1.266.679.38—12.73

Balance Sheet

As of 30 Sep 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026Sep 2026Sep 2026
Equity Capital38474747545454153154154155162—176—
Reserves1,6172,1042,1251,9252,6902,6942,1405,9036,7088,0138,02010,187—13,578—
Other Liabilities1,4721,5151,3757969124455434135,1507047741,488—1,521—
Total Liabilities14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272—74,584—
Fixed Assets212265278207199242196214222194244420—567—
CWIP91381470050107—0—
Investments41440054614014115117703118781,3422,490—3,078—
Other Assets14,24814,84612,79014,54616,44514,84112,83916,22822,68423,01433,43457,354—70,939—
Total Assets14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272—74,584—
Borrowing11,75611,85910,07512,12713,13312,04710,4759,97311,20915,21626,08148,436—59,309—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−502−3057332,949390−9239981,644−2,873−5,237−7,556−10,569−21,786
Cash from Investing Activity−180−36−254−186−36−98−28181−33−1102,725−482−1,340
Cash from Financing Activity218171−498−2,844−3871,490−1,083−1,5742,9035,7484,33110,82123,387
Net Cash Flow−464−169−20−81−33469−365152−3401−501−231261

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————7.5
ROE %10.011.011.01.011.013.01.0−23.06.07.014.0−1.06.0
EPS (₹)7.999.498.930.869.9911.291.00−20.734.908.9121.73−1.266.67
Book Value (₹)————————————156.0
Face Value (₹)————————————2
P/E————————————36.2
Div Yield %————————————0.00
NPM %—7.37.90.510.212.21.1−23.722.729.041.5−2.38.0
OPM %—————————————
D/E—7.105.514.646.154.794.384.771.651.631.863.194.68
P/B————————————2.9

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+10.0%
5 years+24.0%
3 years+46.0%
TTM+75.0%
Compounded profit growth
10 years+10.0%
5 years+24.0%
3 years+5.0%
TTM+399.0%
Stock price CAGR
10 years+15.0%
5 years+22.0%
3 years+6.0%
Last year−15.0%
Return on equity
10 years5.0%
5 years6.0%
3 years6.0%
Last year6.0%

Shareholding pattern

As of 30 Jun 2026
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters27.75%27.75%27.74%24.41%24.40%24.39%61.50%62.14%62.13%62.53%63.93%59.01%
FIIs16.48%16.48%17.99%26.83%27.39%18.87%6.58%7.13%7.76%9.99%10.21%11.64%
DIIs32.83%32.83%33.80%36.04%39.14%29.85%6.23%6.12%5.81%11.12%12.14%17.15%
Government————————————
Public22.94%22.94%20.47%12.71%9.08%26.89%25.69%24.61%23.79%15.71%13.15%12.20%
No. of shareholders20,42320,42317,27120,43521,10240,1601,64,8052,08,4192,03,2442,48,8701,86,8631,81,197
Change since Sep 2023 (pp)
Promoters +31.26FIIs −4.84DIIs −15.68Public −10.74

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Newspaper PublicationAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptRelated Party Transaction Statement For Half Year Ended September 30, 2026Compliances-Reg. 54 - Asset Cover detailsAsset Liability Management (ALM) statement
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Oct 2026PPTOct 2026RecordingJul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTJan 2026TranscriptJan 2026TranscriptJan 2026PPTJan 2026Recording

Corporate actions

As of 31 Jan 2024
31 Jan 2024DIVIDENDInterim Dividend - Rs 2 Per Share—
18 Jul 2023DIVIDENDAnnual General Meeting/Dividend - Rs 2 Per Share—
21 Jul 2022DIVIDENDAnnual General Meeting/Dividend - Rs 0.40 Per Share—
24 Jul 2019DIVIDEND Annual General Meeting/Dividend - Rs 0.80 Per Share—
25 Jul 2018DIVIDEND Dividend- Re 0.80 Per Share—
25 Jul 2017DIVIDEND Dividend-Re 0.80 Per Share—
27 Jul 2016DIVIDEND Dividend - Re 0.80/- Per Share—
23 Jul 2015DIVIDENDAnnual General Meeting/Dividend Re - 0.80/- Per Share—
23 Jul 2014DIVIDENDAnnual General Meeting /Dividend Re 0.80 Per Equity Share—
10 Jul 2013DIVIDENDAnnual General Meeting /Dividend Re 0.80 Per Equity Share—
4 Jul 2012DIVIDENDAnnual General Meeting And Dividend Re.0.60 Per Share—
13 Jun 2011DIVIDENDDividend-Re.0.60 Per Share—
13 Aug 2010SPLITFace Value Split From Rs.10/- To Rs.2/-10 : 2
7 Jul 2010DIVIDENDDividend-Rs.2/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman