Poonawalla Fincorp Ltd Stock Analysis

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

BSE Share Price Jul 01, 18:01
230.75 3.25 (1.43%)

DeciZen - Make an Informed Decision on Poonawalla Fincorp

Overall Rating

1. Quality

2. Valuation

Overvalued

3. Price Trend

FAQs

1. Is Poonawalla Fincorp Ltd 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.

2. Is Poonawalla Fincorp Ltd 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 Overvalued zone.

3. Is Poonawalla Fincorp Ltd a good buy now?

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

10 Year X-Ray of Poonawalla Fincorp:

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.
Poonawalla Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)9751,5681,8472,0192,1101,9782,0642,2332,1781,8491,510
YoY Gr. Rt. %-60.8%17.8%9.3%4.5%-6.3%4.4%8.2%-2.5%-15.1%-
Adj EPS (₹ ) 2.85.96.67.37.70.38.510.2-0.4-21.53.8
YoY Gr. Rt. %-110.4%12.1%11.6%5.5%-96.6%3165.4%20.4%-103.6%NA-
BVPS (₹ )5761.866.472.685.785.976.294.59371.674.7
YoY Gr. Rt. %-8.4%7.6%9.3%18%0.3%-11.3%24%-1.6%-23%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.91.21.21.31.50.11.62-0.1-5.10

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income7.4%-2.6%-3.6%-15.1%
Adj EPS-225.5%-222.7%-236.2%NA
BVPS2.6%-3.5%-2.1%-23%
Share Price 14% 7.6% 21.1% 50.4%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 21.216.816.60000000-
Margins
Net Profit Margin (%)6.57.87.37.48.90.39.812.3-0.5-31.319.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)7.710.911.111.3110.310.512.6-0.4-26.15.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 5.20%

Total income growth is good in last 4 quarters

Total Income has declined -16.98 CAGR in last 3 years

Net Profit has declined -236.20 CAGR in last 3 years

Latest Financials - Poonawalla Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 3.8 4.9
TTM Sales (₹ Cr.) 1,510 1,978
BVPS (₹.) 74.7 79.2
Reserves (₹ Cr.) 5,562 5,903
P/BV 3.09 2.92
PE 60.20 47.08
From the Market
52 Week Low / High (₹) 141.00 / 343.75
All Time Low / High (₹) 1.81 / 343.75
Market Cap (₹ Cr.) 17,652
Equity (₹ Cr.) 153
Face Value (₹) 2
Industry PE 29.4

Management X-Ray of Poonawalla Fincorp :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

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News

About Poonawalla Fincorp Ltd

Magma Fincorp Limited (formerly Magma Leasing Limited) was incorporated in 1988 and commenced its operations in 1989.

To strengthen its business, the company merged with Arm Group Enterprises in 1992. In early 2007, to strengthen its services even more, Shrachi Infrastructure Finance Ltd. (SIFL), a non-banking retail financing company, was merged with Magma to create a new financial services powerhouse: Magma Shrachi Finance Limited. On August 2008, it was renamed as Magma Fincorp.

It is headquartered in Kolkata (India), and registered with the Reserve Bank of India and is represented by a qualified team of over 4500 Magmaites. In response to the rapidly evolving demand of an India on the move, they offer individual and corporate customers a range of financial products and services in: commercial vehicle finance, construction equipment finance, passenger car finance.

Interestingly, they rapid growth over the last few years is not just derived from company conscious initiative in growing company physical infrastructure; it originates in the prudent investments that they have made in lasting relationships - with team members, alliance partners, customers and vendors As a result, they have achieved a compounded annual growth rate of over 70 per cent over the last three years. They have outperformed the growth in the Indian financing industry. And in doing so, the company has emerged as a dynamic industry proxy Now by the same approach, they expect to make this growth as sure as company expect to make it sustainable. Resulting in an organization that is stronger and more responsive to growing needs of a dynamic nation.

Today, it offers its services in 21 states through 154 offices. Each branch caters to an area of 40 km radius - down from 125 km just a year ago - translating into a wider reach and better penetration.

Services offered by the company:

In response to rapidly evolving demand, it offers individual and corporate customers a range of financial products and services in:

  • Commercial Vehicle Finance
  • Construction Equipment Finance
  • Car and Utility Vehicle Finance
  • Suvidha Loans (Refinance)
  • Strategic Construction Equipment Finance
  • SME Loans
  • Insurance

Important events

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
2014
Magma launches Tyre Loan for Existing Customers

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