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Poonawalla Fincorp Limited

Poonawalla Fincorp Limited

NSE: POONAWALLA
Credit ServicesFinancial ServicesLARGE CAPMCap ₹39.53k Cr
₹448.95₹7.65 (+1.73%)

Market Closed • NSE

Market cap₹39.53k Cr
Enterprise value₹97.43k Cr
P/E TTM35.10
Forward P/E16.28
P/B2.87
EPS TTM₹12.79
Forward EPS₹27.58
ROCE7.51%
ROE0.09%
ROA0.02%
D/E4.31
Dividend yield0.00%
Face value₹2.00
52W high₹539.40
52W low₹361.20
Price chart(1Y)
1Y Return:+14.56% (+₹57.05)
H: ₹511.9L: ₹375.75
1W-0.03%
1M+3.73%
3M-3.08%
6M+6.85%
1Y-14.71%
Today at a glance

Day range

₹434.30₹452.70

52 week range

₹361.20₹539.40
Volume2.31M0.74x 20D avg
Free float50.00%-26.00% volume

Poonawalla Fincorp Limited closed at INR448.95 (+1.73%) on volume 0.74x its 20-day average, trading 16.77% below its 52-week high.

Technical analysis
RSI (14)48.8Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹16.32High
SMA 20₹452.92BEARISH
SMA 50₹463.31BEARISH
SMA 100₹451.79BEARISH
SMA 200₹440.57BULLISH
CPR bottom₹440.25
Pivot₹440.60
CPR top₹440.95
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +20.8% QoQ

2024-07-16

AGM Announced

Annual General Meeting

2024-01-31

DIVIDEND Announced

Interim Dividend - Rs 2 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹48.44k Cr₹39.53k Cr122.51%≤ 33%FAIL
Non-halal income ratio–₹6.56k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹59.99k Cr₹60.27k Cr99.53%≥ 20%PASS
Receivables ratio–₹60.27k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E35.1016.50
Forward P/E16.28—
P/B2.871.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield2.806.10
Growth & profitability
RevenuePAT
FY24PAT margin 57.00%
FY25PAT margin -2.40%
FY26PAT margin 8.30%

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

Revenue CAGR 3Y—
Revenue CAGR 5Y+17.30%
PAT CAGR 3Y—
PAT CAGR 5Y-20.30%
Operating margin40.34%
Net margin26.74%
Financial health & cash flow
Net debt₹48.15k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-40.20x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-2178559.0 Lakh
Capital expenditure–
Free cash flow₹-2189261.0 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
Overall40/100
Valuation50/100
Profitability50/100
Financial health20/100

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 4.31x

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.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

70%47%23%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
22.35%Institutional holding
13.15%Public holding
5Periods available
0.00%Promoter pledged
1.87LShareholders
Corporate Action

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

Record dateCorporate actionInformationAnnouncement dateEx-date
—Annual General MeetingAnnual General Meeting—16 Jul 2024
31 Jan 2024Dividend₹2.00 / share—31 Jan 2024
—Dividend₹2.00 / share—18 Jul 2023
—Dividend₹0.40 / share—21 Jul 2022
—Dividend₹0.80 / share—24 Jul 2019
—Dividend₹0.80 / share—25 Jul 2018
—Dividend₹0.80 / share—25 Jul 2017
—Dividend₹0.80 / share—27 Jul 2016
—Dividend₹0.80 / share—23 Jul 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)48.09%+2.85% latest vs average
Highest delivery72.74%on 14 Oct
Average volume (20D)3.12MTrading-session average
Conviction trendStrengthening+2.85% 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 Poonawalla Fincorp Limited
Poonawalla Fincorp Limited

Poonawalla Fincorp Limited (erstwhile Magma Fincorp Limited) is a non-deposit taking NBFC registered with RBI. It is engaged in providing consumer and MSME financing, as well as General Insurance services. [1][2]

IndiaFinancial Services

Questions investors ask
Is Poonawalla Fincorp Limited Shariah compliant?

Poonawalla Fincorp 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 (122.51%) exceeds AAOIFI threshold (≤ 33%).

What is Poonawalla Fincorp Limited's current valuation relative to peers?

Poonawalla Fincorp Limited trades at a P/E of 35.1x compared to the sector median of 16.5x, and a Price-to-Book of 2.9x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 4.31x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 17.3% while net profit growth averaged -20.3%.

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.