Poonawalla Fincorp Limited (IN:POONAWALLA)
:POONAWALLA
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Poonawalla Fincorp Limited
(POONAWALLA)
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Rating:49Neutral
Price Target:
₹434.00
▼(-9.68% Downside)
Action:ReiteratedDate:02/10/26
The score is held back primarily by weak financial performance (declining revenue, negative profitability, high leverage, and sustained negative operating/free cash flow). Technicals are mixed and provide only modest support, while valuation is a clear headwind due to the very high P/E and no dividend yield data.
Positive Factors
Diversified lending mix and omni-channel distribution
Serving both consumer and MSME credit segments with direct and partner-led distribution provides durable origination diversity and lowers single-segment concentration risk. Multiple channels support steady loan flow and cross-sell opportunities, helping sustain volumes across cycles over months.
Negative Factors
High leverage
Sustained debt-to-equity above 3 materially raises refinancing and interest-rate risk, reducing financial flexibility. High leverage amplifies credit shocks, constrains capital allocation, and makes the business more dependent on external funding availability over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified lending mix and omni-channel distribution
Serving both consumer and MSME credit segments with direct and partner-led distribution provides durable origination diversity and lowers single-segment concentration risk. Multiple channels support steady loan flow and cross-sell opportunities, helping sustain volumes across cycles over months.
Read all positive factors
Poonawalla Fincorp Limited (POONAWALLA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹383.61B
Dividend YieldN/A
Average Volume (3M)338.05K
Price to Earnings (P/E)64.9
Beta (1Y)1.33
Revenue Growth43.91%
EPS Growth97.85%
CountryIN
Employees2,384
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.43
Shares Outstanding880,248,540
10 Day Avg. Volume217,284
30 Day Avg. Volume338,053
Financial Highlights & Ratios
PEG Ratio2.60
Price to Book (P/B)3.31
Price to Sales (P/S)6.76
P/FCF Ratio-2.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)14.77
Revenue Forecast (FY)₹61.97B
Poonawalla Fincorp Limited Business Overview & Revenue Model
Company Description
Poonawalla Fincorp Limited, a non-banking financial company, provides asset finance services in India. It offers loans for CA, CS, doctors, salaried and government employees, home renovation, wedding, travel, and medical emergency; business loans ...
How the Company Makes Money
Poonawalla Fincorp primarily makes money by earning interest income on the loans it originates and holds. Its core revenue model is to raise funds (e.g., through bank borrowings, market instruments, and other institutional funding typical for NBFC...
Poonawalla Fincorp Limited Financial Statement Overview
Summary
Income Statement
60
Neutral
Balance Sheet
55
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.06B | 40.00B | 29.51B | 18.72B | 15.15B | 22.29B |
| Gross Profit | 26.73B | 20.14B | 17.04B | 9.92B | 7.05B | 8.72B |
| EBITDA | 877.80M | -540.10M | 22.13B | 8.63B | 5.08B | -5.89B |
| Net Income | 3.49B | -983.40M | 16.83B | 6.84B | 3.75B | -5.59B |
Balance Sheet | ||||||
| Total Assets | 541.83B | 350.30B | 240.87B | 232.21B | 164.43B | 132.12B |
| Cash, Cash Equivalents and Short-Term Investments | 3.06B | 14.42B | 2.69B | 13.99B | 7.30B | 8.77B |
| Total Debt | 427.92B | 260.81B | 152.16B | 112.09B | 99.73B | 104.75B |
| Total Liabilities | 441.37B | 268.55B | 159.20B | 163.47B | 103.84B | 110.18B |
| Stockholders Equity | 100.46B | 81.75B | 81.67B | 68.61B | 60.56B | 21.94B |
Cash Flow | ||||||
| Free Cash Flow | -99.66B | -106.13B | 13.42B | -53.18B | -31.12B | 16.22B |
| Operating Cash Flow | -99.06B | -105.69B | -78.01B | -52.37B | -30.49B | 16.44B |
| Investing Cash Flow | -77.87B | -4.82B | 29.69B | -1.10B | 1.43B | 813.46M |
| Financing Cash Flow | 179.66B | 108.21B | 43.31B | 57.48B | 29.03B | -15.74B |
Poonawalla Fincorp Limited Technical Analysis
Positive
480.50
Price Trends
426.10
Negative
442.00
Negative
454.50
Negative
Market Momentum
-3.62
Negative
52.18
Neutral
67.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:POONAWALLA, the sentiment is Positive. The current price of 480.5 is above the 20-day moving average (MA) of 397.52, above the 50-day MA of 426.10, and above the 200-day MA of 454.50, indicating a neutral trend. The MACD of -3.62 indicates Negative momentum. The RSI at 52.18 is Neutral, neither overbought nor oversold. The STOCH value of 67.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:POONAWALLA.
Poonawalla Fincorp Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | ₹321.87B | 9.58 | ― | 1.58% | 7.29% | 10.25% | |
61 Neutral | ₹422.25B | 2.68 | ― | 2.83% | 13.79% | 16.72% | |
58 Neutral | ₹195.21B | 7.80 | ― | ― | 34.64% | 316.68% | |
55 Neutral | ₹306.19B | 5.31 | ― | 1.87% | 4.31% | 6.48% | |
49 Neutral | ₹383.61B | 64.91 | ― | ― | 43.91% | 97.85% | |
49 Neutral | ₹258.37B | 27.09 | ― | 0.80% | -5.36% | -17.52% |
* Financial Sector Average
IN:POONAWALLA
Poonawalla Fincorp Limited
435.80
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12.18%
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Poonawalla Fincorp Limited Corporate Events
Poonawalla Fincorp Clears FY26 Results, Skips Dividend and Plans Auditor Change
May 5, 2026
Poonawalla Fincorp’s board has approved the audited standalone and consolidated financial results and annual financial statements for the quarter and year ended 31 March 2026, along with related regulatory disclosures including auditor repor...
Poonawalla Fincorp Grants 2.13 Million Stock Options Under ESOP 2024
May 4, 2026
Poonawalla Fincorp Limited has granted 2,125,000 stock options under its Employee Stock Option Plan 2024 – Scheme II, Tranche 42, to eligible employees at an exercise price of ₹418.60 per share. The options, which will vest according t...
Poonawalla Fincorp Grants 25,000 Stock Options Under ESOP 2024 Scheme-II
Apr 24, 2026
Poonawalla Fincorp Limited’s Nomination and Remuneration Committee has approved the grant of 25,000 stock options to eligible employees under its Employee Stock Option Plan-2024, Scheme-II, Tranche 41, at an exercise price of Rs. 420.08 per ...
Poonawalla Fincorp Unveils Unified AI Platform to Power Customer Experience and Growth
Apr 20, 2026
Poonawalla Fincorp has launched a next-generation conversational AI platform that will act as a unified interface for omnichannel customer service, designed to autonomously resolve up to 80% of voice and chat interactions. By routing complex or hi...
Poonawalla Fincorp Closes QIP, Prices Shares at 5% Discount for Institutional Investors
Apr 13, 2026
Poonawalla Fincorp Limited has closed its qualified institutional placement of fully paid-up equity shares, following approval by its Committee of Directors and receipt of funds from eligible qualified institutional buyers. The issue, opened on Ap...
Poonawalla Fincorp Raises ₹2,500 Crore via QIP to Strengthen Capital Base
Apr 13, 2026
Poonawalla Fincorp Limited has completed a qualified institutions placement, allotting 67,430,883 fully paid-up equity shares at ₹370.75 per share, raising approximately ₹25,000 million from eligible institutional investors. Following ...
Poonawalla Fincorp Raises ₹2,500 Crore via QIP to Fuel Lending Expansion
Apr 13, 2026
Poonawalla Fincorp Limited has raised ₹2,500 crore through a Qualified Institutions Placement, issuing over 67.4 million equity shares at ₹370.75 each, a 5% discount to the floor price. The offering drew strong demand from a diversifie...
Poonawalla Fincorp Posts ₹60,325 Crore AUM and Strong Liquidity for Q4 FY26
Apr 6, 2026
Poonawalla Fincorp reported that its Assets Under Management reached approximately ₹60,325 crore as of March 31, 2026, underscoring the scale of its lending franchise. The company also disclosed ample liquidity of about ₹7,550 crore, r...
Poonawalla Fincorp Sets May 5 Board Meet, Closes Trading Window Ahead of FY26 Results
Mar 27, 2026
Poonawalla Fincorp has scheduled a board meeting on May 5, 2026 to consider and approve its audited financial results for the quarter and full year ended March 31, 2026, along with the audited annual financial statements and a possible dividend re...
Poonawalla Fincorp Allots ESOP Shares, Expands Equity Capital
Mar 20, 2026
Poonawalla Fincorp Limited has allotted 28,850 equity shares of Rs. 2 each under its Employee Stock Option Plan 2021, following approval by the Nomination and Remuneration Committee on March 20, 2026. The newly allotted shares will rank pari passu...
CARE reaffirms top-tier ratings for Poonawalla Fincorp as group support and capital remain strong
Mar 20, 2026
CARE Ratings has reaffirmed its highest long-term credit rating of CARE AAA with a Stable outlook on Poonawalla Fincorp’s major bank facilities and non-convertible debentures, while also maintaining CARE A1+ on its short-term instruments and...
Poonawalla Fincorp Retains CRISIL’s Top-Tier Ratings Across Key Debt Instruments
Mar 20, 2026
Poonawalla Fincorp Limited has disclosed that CRISIL Ratings has reaffirmed its top-tier long-term rating at CRISIL AAA/Stable and short-term rating at CRISIL A1+ for various debt instruments, including substantial non-convertible debentures, subo...
Poonawalla Fincorp Shareholders Clear Fund-Raising Plan and Board Appointment via Postal Ballot
Feb 19, 2026
Poonawalla Fincorp Limited announced that shareholders have approved two special resolutions via a postal ballot conducted through remote e-voting, with the results declared on February 19, 2026, and hosted on the company’s website. Investor...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.