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NIFTY 5024,980.40+0.35%
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GOLD 24K (10g)₹75,420+0.38%
SILVER (1kg)₹88,400-0.12%
ACTIVE IPOS8 Open+38% GMP
TCS₹4,124.50+1.18%
INFY₹1,892.40+1.22%
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PIRAMAL FINANCE LIMITED

PIRAMAL FINANCE LIMITED

NSE: PIRAMALFIN
Credit ServicesFinancial ServicesLARGE CAPMCap ₹46.06k Cr
₹1,950.30₹-24.40 (-1.24%)

Market Closed • NSE

Market cap₹46.06k Cr
Enterprise value₹120.69k Cr
P/E TTM26.26
Forward P/E12.93
P/B1.53
EPS TTM₹74.27
Forward EPS₹150.84
ROE0.06%
D/E2.87
Dividend yield0.01%
52W high₹2,326.40
52W low₹1,260.00
Price chart(1Y)
1Y Return:-3.32% (₹66.90)
H: ₹2,326.4L: ₹1,781.2
1W-2.17%
1M-13.47%
3M-10.64%
6M+5.18%
Today at a glance

Day range

₹1,941.00₹1,990.90

52 week range

₹1,260.00₹2,326.40
Volume79.6K0.22x 20D avg
Free float50.00%-77.90% volume

PIRAMAL FINANCE LIMITED closed at INR1950.30 (-1.24%) on volume 0.22x its 20-day average, trading 16.17% below its 52-week high.

Technical analysis
RSI (14)36.4Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹78.54High
SMA 20₹2,069.03BEARISH
SMA 50₹2,140.40BEARISH
SMA 100₹2,109.39BEARISH
SMA 200₹1,963.10BEARISH
CPR bottom₹1,960.60
Pivot₹1,965.30
CPR top₹1,970.00
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +25.2% QoQ

2026-06-12

DIVIDEND Announced

Dividend - Rs 11 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹79.99k Cr₹46.06k Cr173.68%≤ 33%FAIL
Non-halal income ratio₹626.2 Cr₹10.37k Cr6.04%≤ 5%FAIL
Illiquid assets ratio₹106.42k Cr₹110.55k Cr96.27%≥ 20%PASS
Receivables ratio–₹110.55k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E26.2616.50
Forward P/E12.93—
P/B1.531.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.806.10
Growth & profitability
RevenuePAT
FY23PAT margin -113.90%
FY24PAT margin -30.10%
FY25PAT margin 5.70%
FY26PAT margin 14.50%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+16.90%
Revenue CAGR 5Y—
PAT CAGR 3Y—
PAT CAGR 5Y—
Operating margin24.71%
Net margin32.20%
Financial health & cash flow
Net debt₹75.87k CrModerate
Interest coverage6.80xEBIT / interest
CFO / PAT-12.07x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-1589230.0 Lakh
Capital expenditure–
Free cash flow₹-1600875.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation60/100
Profitability50/100
Financial health35/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 2.87x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
12 Jun 2026Dividend₹11.00 / share—12 Jun 2026
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)55.53%+1.69% latest vs average
Highest delivery76.45%on 08 Oct
Average volume (20D)360.6KTrading-session average
Conviction trendStrengthening+1.69% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About PIRAMAL FINANCE LIMITED
PIRAMAL FINANCE LIMITED

Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India. It offers housing loans, such as home, construction, and home renovation and extension loan; business loans, which include working capital loan, loan against property and secured business loan, as well as loans for growing business, consolidate business needs, and professionals; and real estate financing, corporate finance, emerging corporate lending, and capital markets and advisory services. Piramal Finance Limited was formerly known as Piramal Capital & Housing Finance Limited and changed its name to Piramal Finance Limited in March 2022. The company was incorporated in 1984 and is based in Mumbai, India.

IndiaFinancial Services

Questions investors ask
Is PIRAMAL FINANCE LIMITED Shariah compliant?

PIRAMAL FINANCE LIMITED is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (173.68%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (6.04%) exceeds 5% threshold.

What is PIRAMAL FINANCE LIMITED's current valuation relative to peers?

PIRAMAL FINANCE LIMITED trades at a P/E of 26.3x compared to the sector median of 16.5x, and a Price-to-Book of 1.5x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 2.87x. Interest coverage is 6.8x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.