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Poonawalla Fincorp Limited (IN:POONAWALLA)
:POONAWALLA
India Market
POONAWALLA
Poonawalla Fincorp Limited
RESEARCH TOOLSreports

Poonawalla Fincorp Limited (POONAWALLA) Ratios

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Poonawalla Fincorp Limited Ratios

IN:POONAWALLA's free cash flow for Q3 2026 was ₹0.42. For the 2026 fiscal year, IN:POONAWALLA's free cash flow was decreased by ₹ and operating cash flow was ₹0.27. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 0.00 0.93 2.61 1.35 1.56
Quick Ratio
 0.00 0.93 2.61 1.35 1.56
Cash Ratio
 0.00 <0.01 0.03 0.08 0.09
Solvency Ratio
 0.01 >-0.01 0.11 0.05 0.04
Operating Cash Flow Ratio
 0.00 -0.72 -0.90 -0.71 -0.77
Short-Term Operating Cash Flow Coverage
 0.00 -0.76 -0.98 -0.91 -0.79
Net Current Asset Value
₹ -370.86B₹ -131.07B₹ 66.46B₹ -64.68B₹ -42.12B
Leverage Ratios
Debt-to-Assets Ratio
 0.77 0.74 0.63 0.48 0.61
Debt-to-Equity Ratio
 3.64 3.19 1.86 1.63 1.65
Debt-to-Capital Ratio
 0.78 0.76 0.65 0.62 0.62
Long-Term Debt-to-Capital Ratio
 0.78 0.59 0.47 0.44 0.50
Financial Leverage Ratio
 4.76 4.29 2.95 3.38 2.72
Debt Service Coverage Ratio
 0.00 >-0.01 0.22 0.12 0.11
Interest Coverage Ratio
 0.00 75.19 62.56 10.39 6.87
Debt to Market Cap
 1.10 0.96 0.41 0.50 0.51
Interest Debt Per Share
 445.49 337.03 198.19 147.12 140.05
Net Debt to EBITDA
 408.45 -482.44 6.75 12.07 18.73
Profitability Margins
Gross Profit Margin
47.69%50.35%57.76%52.99%46.53%
EBIT Margin
>-0.01%-2.98%72.99%42.82%30.30%
EBITDA Margin
1.57%-1.35%75.17%46.97%33.90%
Operating Profit Margin
23.97%30.62%41.20%28.02%31.05%
Pretax Profit Margin
8.26%-3.38%72.33%40.12%25.78%
Net Profit Margin
6.23%-2.46%57.03%36.54%24.77%
Continuous Operations Profit Margin
6.23%-2.46%55.97%30.44%19.68%
Net Income Per EBT
75.49%72.63%78.85%91.08%96.06%
EBT Per EBIT
34.44%-11.05%175.58%143.20%83.05%
Return on Assets (ROA)
0.74%-0.28%6.99%2.95%2.28%
Return on Equity (ROE)
4.08%-1.20%20.60%9.97%6.19%
Return on Capital Employed (ROCE)
2.86%6.03%7.88%3.30%3.77%
Return on Invested Capital (ROIC)
0.00%2.59%4.02%1.84%2.20%
Return on Tangible Assets
0.74%-0.28%6.99%2.95%2.29%
Earnings Yield
1.08%-0.36%4.61%3.06%1.92%
Efficiency Ratios
Receivables Turnover
 139.30 0.33 13.94 0.26 0.29
Payables Turnover
 0.00 505.39 1.01K 435.56 53.53
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 18.83 21.60 19.52 10.68 9.10
Asset Turnover
 0.12 0.11 0.12 0.08 0.09
Working Capital Turnover Ratio
 0.00 0.62 0.36 0.79 3.17
Cash Conversion Cycle
 2.62 1.11K 25.82 1.39K 1.25K
Days of Sales Outstanding
 2.62 1.11K 26.18 1.39K 1.26K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.72 0.36 0.84 6.82
Operating Cycle
 2.62 1.11K 26.18 1.39K 1.26K
Cash Flow Ratios
Operating Cash Flow Per Share
 -132.40 -136.50 -101.48 -68.42 -42.53
Free Cash Flow Per Share
 -132.94 -137.06 17.46 -69.48 -43.40
CapEx Per Share
 0.55 0.56 0.12 1.06 0.88
Free Cash Flow to Operating Cash Flow
 1.00 1.00 -0.17 1.02 1.02
Dividend Paid and CapEx Coverage Ratio
 -242.19 -243.98 -24.63 -46.91 -48.56
Capital Expenditure Coverage Ratio
 -242.19 -243.98 -829.01 -64.63 -48.56
Operating Cash Flow Coverage Ratio
 -0.30 -0.41 -0.51 -0.47 -0.31
Operating Cash Flow to Sales Ratio
 -1.91 -2.64 -2.64 -2.80 -2.01
Free Cash Flow Yield
-33.21%-39.23%3.68%-23.75%-15.97%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 92.50 -275.12 21.70 32.73 51.96
Price-to-Sales (P/S) Ratio
 5.77 6.76 12.38 11.96 12.87
Price-to-Book (P/B) Ratio
 3.27 3.31 4.47 3.26 3.22
Price-to-Free Cash Flow (P/FCF) Ratio
 -3.01 -2.55 27.20 -4.21 -6.26
Price-to-Operating Cash Flow Ratio
 -3.02 -2.56 -4.68 -4.28 -6.39
Price-to-Earnings Growth (PEG) Ratio
 1.60 2.60 0.15 0.46 -0.41
Price-to-Fair Value
 3.27 3.31 4.47 3.26 3.22
Enterprise Value Multiple
 776.73 -983.37 23.21 37.53 56.69
Enterprise Value
 681.81B 531.12B 514.75B 329.94B 291.11B
EV to EBITDA
 776.73 -983.37 23.21 37.53 56.69
EV to Sales
 12.16 13.28 17.45 17.63 19.22
EV to Free Cash Flow
 -6.35 -5.00 38.35 -6.20 -9.35
EV to Operating Cash Flow
 -6.38 -5.03 -6.60 -6.30 -9.55
Tangible Book Value Per Share
 121.93 105.22 106.02 89.37 84.02
Shareholders’ Equity Per Share
 122.25 105.57 106.24 89.65 84.46
Tax and Other Ratios
Effective Tax Rate
 0.25 0.27 0.23 0.24 0.24
Revenue Per Share
 69.41 51.66 38.38 24.46 21.12
Net Income Per Share
 4.33 -1.27 21.89 8.94 5.23
Tax Burden
 0.75 0.73 0.79 0.91 0.96
Interest Burden
 -1.32K 1.14 0.99 0.94 0.85
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.08 0.17 0.02 0.03 0.03
Stock-Based Compensation to Revenue
 <0.01 0.03 0.03 0.09 0.01
Income Quality
 -38.13 78.06 -4.64 -5.79 -6.20
Currency in INR