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Piramal Finance Ltd (PIRAMALFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544597 NSE: PIRAMALFIN Finance - Housing | Mid Cap | Piramal Finance Share Price

₹2,135.65 22.80 (1.08%)

As on 24-Jun'26 16:59

Piramal Finance Ltd (PIRAMALFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544597 NSE: PIRAMALFIN Finance - Housing | Mid Cap | Piramal Finance Share Price

₹2,135.65 22.80 (1.08%)

As on 24-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹47,894 Cr.
Current Price
₹2,135.7
52-Week Low / High
₹1,235 / 2,180
TTM EPS
₹67.9
Book Value per Share
₹1,250
P/E Ratio
31.10
Industry PE
14.2
Price to Book (P/B)
1.69
Higher than its 5-year historical median
EV/EBITDA
14.21
Lower than its 5-year historical median
Dividend Yield
0.52%
Profitability Efficiency
Return on Equity (ROE)
5.58%
Return on Capital Employed (ROCE)
7.70%
Return on Assets (ROA)
1.50%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
34.75%
Book Value Growth (1 Year)
-
-
Asset Quality
Gross NPA(%)
2.30%
Net NPA(%)
1.60%
TTM Sales
₹13,157 Cr.
Reserves
₹28,290 Cr.
Equity
₹45.3 Cr.
Face Value
₹2
All Time Low / High
₹1.58 / 2180.05

Piramal Finance stock performance

Key Ratios
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Quality

Not Good
Check detailed performance

Valuation

Overvalued

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Price Trend

Strong
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Q.1 Is Piramal Finance Ltd a good quality company?
Piramal Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Piramal Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Piramal Finance Ltd vs Industry Peers?
Piramal Finance Ltd AUM CAGR is -1.19%, compared to the 5-year industry median CAGR of 11.01%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of Piramal Finance Ltd?
Promoters hold 46.16% of the Piramal Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Piramal Finance Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 156.44% based on the current price.
View More

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Piramal Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)8,85210,85012,8849,3228,7716,1216,5926,66410,30813,15713,157
YoY Gr. Rt. %-22.6%18.7%-27.6%-5.9%-30.2%7.7%1.1%54.7%27.7%-
Adj EPS (₹ ) 92.539.5-33-433.8-479.60.3-3.5-0.8067.967.9
YoY Gr. Rt. %--57.3%-183.5%NANANA-1492%NANANA-
BVPS (₹ )255.1293.4256.8-177.3-658.510.476.401,249.91,250
YoY Gr. Rt. %-15%-12.5%-169%NANA-33.1%-7.9%-100%NA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)3.61.3-1-14.6-21.40.8-10.6-3.10.71.50

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income4.5%8.5%25.9%27.7%
Adj EPS-3.4%NANANA
BVPS19.3%NA463.9%NA
Share Price - 163.8% 403.8% 12683.2%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0.60.600000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 19.115.300000000-
Margins
Net Profit Margin (%)32.711.4-8-146-171.68.6-112.6-28.75.611.711.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)4514.4-12-1091065.9-40-12.82.75.65.4

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 8,94511,02413,29310,2128,8036,1879,0328,30712,75715,151
Interest Income8,85210,85012,8849,3228,7716,1216,5926,66410,30813,157
Other Income ⓘ 3228231,6856,51128,2371,1996,4494,2753,9553,590
Exceptional Items ⓘ 9417440989032662,4401,6442,4501,994
Expenditure ⓘ + 7,5439,32314,45828,46028,9205,33011,58110,19812,01213,723
Interest Expense ⓘ 6,6547,7229,3935,7252183,3493,4833,6555,2246,307
Operating Expenses ⓘ 5677783,38016,2234657831,6492,2692,8333,826
Provisions 3228231,6856,51128,2371,1996,4494,2753,9553,590
Exceptional Items ⓘ 1,9690000-143-10,257-1,6580-81
Profit Before Tax ⓘ 3,3721,701-1,165-18,248-20,117714-12,806-3,5497451,347
Taxes ⓘ 475461-129-4,636-5,066188-5,381-1,637171-193
Profit After Tax 2,8961,240-1,036-13,612-15,051526-7,425-1,9115741,540
Adjusted EPS (₹)92.539.5-33.0-433.0-479.00.3-3.5-0.80.067.9
Dividend Payout Ratio (%)4.30%13.90%-7.60%0%0%0%0%0%0%16.20%

Valuation of Piramal Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +7,9969,2338,102-5,538-20,63722,25914,90015,00427,00528,435
Share Capital ⓘ 31331431431431421,36521,36523,365045
Reserves ⓘ 7,6838,9197,788-5,852-20,951895-6,465-8,36027,00528,390
Short term borrowings4,26921,73526,14027,97149,7086,6948,98711,47021,57916,203
Long Term Borrowings67,77870,20170,37457,38929,93345,79533,84034,78440,62460,081
Current Liabilities 16,52526,78227,55628,93450,86111,64811,58414,82625,37723,853
Trade Payables1910410212176520290353410398
Other Liabilities-4,288-21,839-26,242-28,092-49,784-7,214-9,277-11,823-21,945-16,601
Total Liabilities ⓘ 92,2981,06,2161,06,03280,78660,15779,70260,32464,61593,0521,12,369

Assets

Non Current Asset +75,11396,6861,01,71571,43643,11271,75356,77459,31579,46796,228
Loan Asset 72,09693,11597,97866,20338,45547,56041,83648,42666,08684,927
Other Non Current Asset ⓘ 3,0173,5713,7375,2344,65724,19314,93810,88913,38111,301
Current Asset +17,1859,5304,3179,34917,0457,9493,5505,30013,58516,141
Current Investment12,5876,37990224,7881,32195103,8894,022
Other Current Asset4,5983,1523,4159,34712,2576,6283,4555,2899,69612,119
Total Assets ⓘ 92,2981,06,2161,06,03280,78660,15779,70260,32464,61593,0521,12,369

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ -15,746-18,136-8,73512,5767,1358,6856,567-6,342-7,678-15,799
Cash Flow From Investing Activity ⓘ -10,4426,0916,135575-4,526-325-24-68-1,7722,623
Cash Flow From Financing Activity ⓘ 26,04211,1731,937-7,5630-8,390-9,2466,42811,26012,194
Net Cash Flow ⓘ -146-872-6635,5892,609-30-2,703181,809-982

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)92.5039.50-33-433.80-479.600.30-3.50-0.80067.90
DPS (₹)45.502.5000000011
BVPS (₹)255.1293.4256.8-177.3-658.510.476.401249.9

Performance Ratios

ROA (%)3.61.3-1.0-14.6-21.40.8-10.6-3.10.71.5
ROE (%)45.014.4-12.0-1,091.00.065.9-40.0-12.82.75.6
ROCE (%)12.99.98.0-13.2-25.85.9-15.00.27.97.7

Valuation Parameters

Price/Book(x)1.41.70.6-0.1-0.00.00.00.00.01.5

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *100.00100.00100.00100.00100.00100.00100.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Piramal Finance Ltd FAQs

The current trading price of Piramal Finance on 24-Jun-2026 16:59 is ₹2,135.7.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Jun-2026 the market cap of Piramal Finance stood at ₹47,893.6 Cr

The latest P/E ratio of Piramal Finance as of 23-Jun-2026 is 31.10.

The latest P/B ratio of Piramal Finance as of 23-Jun-2026 is 1.69.

The 52-week high of Piramal Finance is ₹2,180.1 and the 52-week low is ₹1,235.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Piramal Finance is ₹13,157 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Piramal Finance Ltd is a below average quality company.

The key valuation ratios of Piramal Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Piramal Finance Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About Piramal Finance Ltd

Dewan Housing Finance Corpn, founded by Rajesh Kumar Wadhawan on 11th of April 1984 with its registered office in Mumbai, provides access to housing finance to lower and middle income Indians. It is the second housing finance company set up in India.

Initially DHFL disbursed funds from its own equity contribution and had a return on equity of less than 8% at a time when the interest rates were about 18%. Over two decades later, DHFL is still profitably doing what its founder intended it to do. It has so far disbursed loans amounting to over 53 billion, its non performing assets are the lowest in the Industry.

Today, DHFL has an asset base of over Rs 3,580 crores, with a strong presence across India through its 72 branches and 116 service locations. DHFL caters to a large section of Indians working in the Middle East through its over seas branch in Dubai.

In June 2010, DHFL and its subsidiary DHFL Vysya Housing Finance have promoted a housing finance Company under the name and style 'Aadhar Housing Finance” (AHFL). AHFL, in the initial period propose to target market in retail housing loans in the low income segment of the Indian population in certain states.

In December 2010, Dewan Housing Finance Corporation acquired Deutsche Postbank Home Finance for Rs 1079 Crore.

Products:

  • Home Loans
  • Home Extension Loan
  • Home Improvement Loan
  • Home Loans for NRI's
  • Plot Loans
  • Mortgage Loan
  • Non Residential Property
  • Home Loan Linked - Insurance Plan
  • Reverse Mortgage
  • Fixed Deposit

Subsidiary:

  • DHFL Vysya Housing Finance (DVHFL) – A housing finance company registered with NHB and has operations in the states of Karnataka, Andhra Pradesh, Tamil Nadu and Maharashtra. 
  • DHFL Property Services is a 100% subsidiary of the housing finance company.

Achievements/ Recognition:

1991 - Udyog Gaurav Award                                                                                                            

1992 - Housing company of the Year                                                                                                

1995 - Udyog excellence Awards                                                                                                      

2002 - Rashra Nirman Ratna Awards, Young Achiever Awards (Accommodation Times) and Housing Company of the Year                                                                                               

2004 - Corporate Social responsibility Award and Best Customer Service HFI's Property (5th Housing And Real Estate Exhibition) Project Crayon                                                              

2007 - Award of Appreciation (Maharashtra Chamber Of Housing Industry), SRS Real Estate & Infrastructure Award for National Excellence, Excellence in Design among HFI's at Property Expo April'07 and October ’07 by Maharashtra Chamber of Housing Industry.

2008 - Silver CIO Award'08 by - CIOL Dataquest Enterprise Connect Awards                            
2010
-DHFL’s HR team win Global Greentech Award for Technology Excellence in HR
-India’s Top 100 Best Companies to work for – Great Place To Work Institute, India in Association with Economic Times

2010-2011
-DHFL Wins “Realty Plus Newsmaker of the Year-2011
-2nd Asia’s Best Employer Brand Award for Excellence in HR through Technology
-DHFL is now Power Brand amongst the top 200 brands in India by M/S Planman Marcom

2011-2012
-DHFL wins Greentech HR Excellence Award – 2012 for Best Strategy (Gold Award)
-DHFL among India’s 50 Biggest Financial Companies in India

2012-2013
-The Greatest Corporate Leaders of India – Leadership Awards in Financial Services
-DHFL is among most trusted Financial Brands in India – Brand Trust Report
-DHFL’s Marketing Head Wins – Super Achievers Award, at 11th Indira Super Achievers Awards for Professional Excellence
-DHFL’s Group Head, Human Resources wins HR Warrior Awards – Making a Difference 2012
-DHFL wins Marketer of Year – Realty Plus Excellence Awards of the Year – 2012

2013-2014
-DHFL honoured with the Excellence in Innovative Marketing Award at MCHI – MMR & BKC Expo
-DHFL’s CEO was presented with the Udyog Rattan Award
-DHFL conferred the BEST EMPLOYER BRAND AWARD at IPE BFSI Awards

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