Is Poonawalla Fincorp Ltd (POONAWALLA) a good quality company?

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

Is Poonawalla Fincorp Ltd (POONAWALLA) undervalued or overvalued?

The key valuation ratios of Poonawalla Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is Poonawalla Fincorp Ltd (POONAWALLA) share price return in the past 10 years?

Poonawalla Fincorp Ltd share price has appreciated 16.9% annually (CAGR) over the past ten years.

Is Poonawalla Fincorp Ltd (POONAWALLA) a good buy now?

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

What is the share price of Poonawalla Fincorp Ltd (POONAWALLA)?

Company share prices are keep on changing according to the market conditions. The current trading price of Poonawalla Fincorp Ltd (POONAWALLA) on 21-Apr-2026 12:19:00 at 12:19 is 424.35.

What is the P/E ratio of Poonawalla Fincorp?

The latest standalone P/E ratio of Poonawalla Fincorp as of 21-Apr-2026 is 105.46.

What is the P/B ratio of Poonawalla Fincorp Ltd (POONAWALLA)?

The latest standalone P/B ratio of Poonawalla Fincorp Ltd (POONAWALLA) as of 21-Apr-2026 is 2.95.

What is the 52-week high and low of Poonawalla Fincorp Ltd (POONAWALLA)?

The 52-week high of Poonawalla Fincorp Ltd (POONAWALLA) is Rs. 570.40 and the 52-week low is Rs. 362.55.

Poonawalla Fincorp Ltd (POONAWALLA) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Poonawalla Fincorp Ltd (POONAWALLA)
Brand: Poonawalla Fincorp

Poonawalla Fincorp Ltd (POONAWALLA) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 524000 NSE: POONAWALLA | Finance - NBFC | Mid Cap

Poonawalla Fincorp Ltd (POONAWALLA)

BSE: 524000 NSE: POONAWALLA

Key Metrics

Market Cap

₹36,843 Cr.

Earnings Per Share (TTM)

₹3.97

P/E Ratio

105.46

Price to Book (P/B)

2.95

EV/EBITDA

21.40

Current Price

₹424.4

Return on Capital Employed (ROCE)

4.82%

Return on Equity (ROE)

-1.23%

Return on Assets (ROA)

-0.34%

Gross NPA(%)

1.84

Book Value per Share

₹141.7

Net NPA(%)

1.84

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

23.92%

Net Interest Income Growth (3 Years)

37.59%

52-Week Low / High

₹363 / 570

Book Value Growth (1 Year)

-1.05%

Book Value Growth (3 Years)

11.57%

DeciZen - make an informed investing decision on Poonawalla Fincorp

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

Poonawalla Fincorp stock performance

Key Ratios

Is Poonawalla Fincorp Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	2,110	1,978	2,064	2,233	2,178	1,849	1,536	1,940	3,114	4,190	5,830
YoY Gr. Rt. %	-	-6.3%	4.4%	8.2%	-2.5%	-15.1%	-16.9%	26.3%	60.5%	34.6%	-
Adj EPS (₹ )	7.7	0.3	8.5	10.2	-0.4	-21.5	3.8	7.6	26.7	-1.3	4
YoY Gr. Rt. %	-	-96.6%	3165.4%	20.4%	-103.6%	NA	NA	99%	250.1%	-104.8%	-
BVPS (₹ )	85.7	85.9	76.2	94.5	93	71.6	74.5	82.3	104.5	103.4	141.7
YoY Gr. Rt. %	-	0.3%	-11.3%	24%	-1.6%	-23%	4%	10.5%	27%	-1.1%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.5	0.1	1.6	2	-0.1	-5.1	2.6	3.8	9.8	-0.3	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	7.9%	14%	39.7%	34.6%
Adj EPS	-181.8%	NA	-169.2%	-104.8%
BVPS	2.1%	2.2%	11.6%	-1.1%
Share Price	16.9%	29.1%	11%	7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	8.9	0.3	9.8	12.3	-0.5	-31.3	19.1	30.2	66	-2.4	6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	11	0.3	10.5	12.6	-0.4	-26.1	7.7	9.7	28.6	-1.2	2.8

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	4	4
TTM Sales (₹ Cr.)	5,830	5,830
BVPS (₹) ⓘ	141.7	142.3
Reserves (₹ Cr.) ⓘ	12,298	12,348
P/BV ⓘ	2.95	2.94
PE ⓘ	105.46	105.46

From the Market
52 Week Low / High (₹)	362.55 / 570.40
All Time Low / High (₹)	1.81 / 570.40
Market Cap (₹ Cr.)	36,843
Equity (₹ Cr.)	176.1
Face Value (₹)	2
Industry PE ⓘ	29.3

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of Poonawalla Fincorp - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	2,139	2,027	2,101	2,406	2,236	1,877	2,078	2,449	3,687	4,223
Interest Income	2,110	1,978	2,064	2,233	2,178	1,849	1,536	1,940	3,114	4,190
Other Income ⓘ	355	568	322	399	494	1,333	585	320	626	1,602
Exceptional Items ⓘ	30	49	37	173	59	28	542	509	574	33
Expenditure ⓘ +	1,873	2,016	1,864	2,003	2,202	2,650	1,694	1,704	2,370	4,358
Interest Expense ⓘ	998	943	1,013	1,018	1,124	875	509	595	955	1,515
Operating Expenses ⓘ	520	506	529	586	584	442	599	789	789	1,241
Provisions	355	568	322	399	494	1,333	585	320	626	1,602
Exceptional Items ⓘ	0	0	0	0	0	0	0	21	1,221	0
Profit Before Tax ⓘ	266	11	237	403	34	-773	385	767	2,539	-135
Taxes ⓘ	79	5	36	128	44	-194	91	182	483	-37
Profit After Tax	187	6	201	275	-10	-578	293	585	2,056	-98
Adjusted EPS (₹)	7.7	0.3	8.5	10.2	-0.4	-21.5	3.8	7.6	26.7	-1.3
Dividend Payout Ratio (%)	10%	312%	9%	8%	0%	0%	10%	26%	8%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	2,044	2,038	1,811	2,556	2,515	1,942	5,715	6,425	8,116	8,124
Share Capital ⓘ	60	47	47	54	54	54	153	154	154	155
Reserves ⓘ	1,984	1,991	1,763	2,502	2,461	1,888	5,562	6,271	7,962	7,969
Short term borrowings	5,954	4,873	8,171	8,633	7,178	4,665	2,783	3,874	7,969	13,952
Long Term Borrowings	2,867	2,552	2,707	2,993	2,747	2,972	3,749	7,208	7,097	11,923
Current Liabilities	7,969	6,809	8,805	9,295	7,589	5,130	3,142	4,343	8,659	14,727
Trade Payables	161	210	319	365	20	85	13	2	1	4
Other Liabilities	-6,115	-5,084	-8,490	-8,998	-7,198	-4,750	-2,796	-3,876	-7,970	-13,956
Total Liabilities ⓘ	12,881	11,400	13,323	14,844	12,851	10,044	12,606	17,976	23,873	34,774
Assets
Non Current Asset +	8,150	7,163	12,757	13,746	11,908	9,261	11,790	15,808	22,719	33,408
Loan Asset	7,396	6,057	12,154	13,138	11,175	8,565	10,678	15,229	22,046	32,695
Other Non Current Asset ⓘ	754	1,106	603	608	733	696	1,112	579	673	713
Current Asset +	4,731	4,236	565	1,098	943	783	816	2,168	1,153	1,365
Current Investment	26	47	0	0	0	0	0	268	654	1,157
Other Current Asset	4,705	4,189	565	1,098	943	783	816	1,900	499	208
Total Assets ⓘ	12,881	11,400	13,323	14,844	12,851	10,044	12,606	17,976	23,873	34,774

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	714	2,406	211	-584	1,661	2,088	-1,649	-3,900	-6,986	-10,569
Cash Flow From Investing Activity ⓘ	-244	-180	-36	-77	-241	93	-525	-177	2,993	-482
Cash Flow From Financing Activity ⓘ	-498	-2,301	-209	1,135	-1,782	-2,120	2,244	4,344	3,647	10,821
Net Cash Flow ⓘ	-28	-75	-34	475	-363	60	70	266	-346	-231

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	8	0	8	10	-0	-21	4	8	27	-1
DPS (₹)	1	1	1	1	0	0	0	2	2	0
BVPS (₹)	86	86	76	95	93	72	74	82	105	103
Performance Ratios
ROA (%)	1.5	0.1	1.6	2.0	-0.1	-5.1	2.6	3.8	9.8	-0.3
ROE (%)	11.0	0.3	10.5	12.6	-0.4	-26.1	7.7	9.7	28.6	-1.2
ROCE (%)	11.0	8.5	10.7	10.4	8.6	0.9	8.0	9.1	17.2	4.8
Valuation Parameters
Price/Book(x)	0.9	1.2	2.0	1.2	0.2	1.5	3.7	3.6	4.5	3.4

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Poonawalla Fincorp Ltd FAQs

The current trading price of Poonawalla Fincorp on 21-Apr-2026 12:19 is ₹424.4.

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 20-Apr-2026 the market cap of Poonawalla Fincorp stood at ₹36,842.8 Cr

The latest P/E ratio of Poonawalla Fincorp as of 20-Apr-2026 is 105.5.

The latest P/B ratio of Poonawalla Fincorp as of 20-Apr-2026 is 2.95.

The 52-week high of Poonawalla Fincorp is ₹570.4 and the 52-week low is ₹362.6.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Poonawalla Fincorp is ₹5,830 ( Cr.) .

About Poonawalla Fincorp Ltd

Poonawalla Fincorp (formerly known as Magma Fincorp), having its registered office in Pune, India is a publicly held Non-Banking Finance Company (NBFC) engaged in providing finance through its pan India branch network.

The company is registered as a non-deposit taking NBFC as defined under Section 45-IA of the Reserve Bank of India (RBI) Act, 1934. The Company is also registered as a corporate agent under Insurance Regulatory and Development Authority of India (Registration of Corporate Agents) Regulations, 2015. Its equity shares are listed on National Stock Exchange and Bombay Stock Exchange.

Business area of the company

The company is a technology-led, customer-first NBFC, backed by the legacy and trust of the Cyrus Poonawalla Group. The company focuses on delivering responsible credit across consumer and MSME segments, guided by a strong risk-first and governance-first approach. Its diversified lending portfolio spans across secured and unsecured products designed to meet the evolving needs of its customers.

Products of the company

Instant Loan
Personal Loan
Flexi Prime Personal Loan
Instant Business Loan
Business Loan
Commercial Vehicle Loan
Consumer Durable Loan
Gold Loan
Education Loan
Professional Loan
Pre-Owned Car Loan
Loan Against Property
Medical Equipment Loan
Machinery Loan

Awards and recognitions

2022: Best NBFC in Customer Service of the Year at 4th Annual India NBFC Summit & Awards 2022.
2022: Best Digital NBFC of the Year at 4th Annual India NBFC Summit & Awards 2022.
2022: Case Study Competition - Gold Award at 37th Annual Convention of QCFI 2022.
2022: The Economic Times Best Brands 2022 at 5th edition of Economic Times Conclave.
2022: Cybersecurity Financial Team of the Year at Cybersecurity Excellence Awards 2022
2023: Risk Management Team of the Year at 5th Edition of CRO Leadership Summit & Awards 2023.
2023: Excellence in Corporate Governance at 4th Edition of Audit and Risk Summit & Awards 2023.
2023: Best Customer Experience - NBFC at 2nd Annual Excellence Awards 2023.
2023: Healthy Workplace of the Year by Arogya World in 2023.
2023: Risk Management Team of the Year by Golden Peacock Awards in 2023.
2023: Compliance and Legal Team of the Year at 3rd Edition of Future of Legal & Compliance Summit & Awards 2023.
2024: Best Social Welfare Initiative of the Year at the Indian Social Impact Award 2024.
2024: Rising Corporate Legal & Compliance Team of the year at Lex Falcon Global Awards India 2024.
2025: Most Innovative Practice Award 2025 for AI in Underwriting Solution and AI in Hiring Solution at the 2nd Edition of the CII National Artificial Intelligence (AI) Awards 2025.
2025: BFSI Technology Awards for Customer Experience at Express BFSI Technology Award 2025.
2025: Winner in the Future of Work at the 3rd FICCI National HR Innovation Awards 2025.
2025: Technology Senate Awards 2025 in Artificial Intelligence at The Indian Express Groups and Express Computer.
2026: Prestigious Brands of Asia at 19th Edition of Prestigious Brands of Asia 2026.

Milestones

2011: Magma Fincorp gets R1 approval from IRDA to launch general insurance business.
2012: Magma Fincorp acquires GE Capital India's Housing Finance & Home Equity Loans Businesses.
2013: Magma Fincorp successfully completes the acquisition of 100% equity share capital of GE Money Housing Finance.
2013: Magma Fincorp completes GE Money Housing Finance deal, also acquires Religares Auto Lease business.
2014: Magma launches Tyre Loan for Existing Customers.
2015: Magma Fincorp board approves grant of Awards under Magma Restricted Stock Option Plan 2014.
FY2021-22: Rising Sun Holdings Private Limited acquired controlling stake in Magma Fincorp in May-2021.
FY2021-22: Rebranded Magma Fincorp to Poonawalla Fincorp in July-2021.
FY2021-22: Restructured the business. Achieved two-notch upgrade in long-term credit rating to 'AA+/Stable' by CRISIL & CARE Ratings.
FY2022-23: Upgrade in Credit Ratings to 'AAA/Stable' by CRISIL & CARE Ratings.
FY2022-23: Recognized among the most preferred workplaces 2022–2023 by Marksmen Daily in association with India Today.
FY2022-23: Rolled out Digital transformation initiatives: Implemented LOS, LMS and ERP systems. Launched future-ready Human Capital Programs: Competency framework, Learning & development, and Productivity enhancements.
FY2023-24: Achieved AUM milestone of Rs 25,000+ Crore. Launched and scaled up mobile application.
FY2023-24: Maintained 'AAA/Stable' rating from CRISIL and CARE.
FY2023-24: Ranked amongst the top 50 Best Workplaces in BFSI in India for 2024 by Great Place To Work (GPTW).
FY2024-25: Appointment of Arvind Kapil as MD & CEO in June-2024.
FY2024-25: Investment in growth initiatives across People, Technology and Distribution.
FY2024-25: Product diversification and AI-first approach across functions.
FY2024-25: Expand ‘Phygital’ model to engage with customers across touch points and cross-sell to customer cohorts at lower acquisition cost.
FY2024-25: Strengthen risk management framework.

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Poonawalla Fincorp Ltd (POONAWALLA) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Poonawalla Fincorp Share Price