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Poonawalla Fincorp Ltd - Stock Valuation and Financial Performance

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

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Poonawalla Fincorp Share Price

 ₹470.10 1.40 0.30%
as on 10-Jul'25 10:14

Poonawalla Fincorp Ltd - Stock Valuation and Financial Performance

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

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Poonawalla Fincorp Share Price

 ₹470.10 1.40 0.30%
as on 10-Jul'25 10:14

DeciZen - make an informed investing decision on Poonawalla Fincorp

Overall Rating ⓘ
Bole Toh

1. Quality

Not Good
Check detailed 10 Yrs performace

2. Valuation

Overvalued
Check 10 Yrs Valuation charts

3. Price Trend

Strong
Check Price chart

Poonawalla Fincorp stock performance -

PE Chart Key Ratios
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P/E Ratio (SA):
0.00
Market Cap:
36,507.9 Cr.
52-wk low:
267.3
52-wk high:
483.4

Is Poonawalla Fincorp Ltd an attractive stock to invest in?

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
Standalone Basis P Consolidated Basis P
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'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2,1101,9782,0642,2332,1781,8491,5361,9403,1144,1904,190
YoY Gr. Rt. %--6.3%4.4%8.2%-2.5%-15.1%-16.9%26.3%60.5%34.6%-
Adj EPS (₹ ) 7.70.38.510.2-0.4-21.53.87.626.7-1.3-1.3
YoY Gr. Rt. %--96.6%3165.4%20.4%-103.6%NANA99%250.1%-104.8%-
BVPS (₹ )85.785.976.294.59371.674.582.3104.5103.4102.6
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 (%)1.50.11.62-0.1-5.12.63.89.8-0.30

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income7.9%14%39.7%34.6%
Adj EPS-181.8%NA-169.2%-104.8%
BVPS2.1%2.2%11.6%-1.1%
Share Price 18% 78.2% 22.8% 15.7%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%) 0000000000-
Margins
Net Profit Margin (%)8.90.39.812.3-0.5-31.319.130.266-2.4-2.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)110.310.512.6-0.4-26.17.79.728.6-1.2-1.2

Recent Performance Summary

Total Income has increased 39.72 CAGR in last 3 years

Return on Equity is Poor

Net Profit has declined -169.22 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Poonawalla Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) -1.3 -1.3
TTM Sales (₹ Cr.) 4,190 4,190
BVPS (₹.) ⓘ 102.6 103.3
Reserves (₹ Cr.) ⓘ 7,838 7,889
P/BV ⓘ 4.57 4.54
PE ⓘ 0.00 0.00
From the Market
52 Week Low / High (₹) 267.25 / 483.35
All Time Low / High (₹) 1.81 / 519.95
Market Cap (₹ Cr.) 36,508
Equity (₹ Cr.) 155.8
Face Value (₹) 2
Industry PE ⓘ 32.2

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 (%)

Valuation of Poonawalla Fincorp

Event Update

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Analyst's Notes

No data found!

Key Ratios of Poonawalla Fincorp

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income2,1392,0272,1012,4062,2361,8772,0782,4493,6874,223
Interest Income2,1101,9782,0642,2332,1781,8491,5361,9403,1144,190
Other Income ⓘ 304937173592854250957433
Expenditure ⓘ 1,8732,0161,8642,0032,2022,6501,6941,7042,3704,358
Interest Expense ⓘ 9989431,0131,0181,1248755095959551,515
Operating Expenses ⓘ 5205065295865844425997897891,241
Provisions 3555683223994941,3335853206261,602
Exceptional Items ⓘ 0000000211,2210
Profit Before Tax ⓘ 2661123740334-7733857672,539-135
Taxes ⓘ 7953612844-19491182483-37
Profit After Tax 1876201275-10-5782935852,056-98
Adjusted EPS (₹)7.70.38.510.2-0.4-21.53.87.626.7-1.3
Dividend Payout Ratio (%)10%312%9%8%0%0%10%26%8%0%

Balance Sheet

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital2,0442,0381,8112,5562,5151,9425,7156,4258,1168,124
Share Capital ⓘ 604747545454153154154155
Reserves ⓘ 1,9841,9911,7632,5022,4611,8885,5626,2717,9627,969
Minority Interest0000000000
Long Term Borrowings2,8672,5522,7072,9932,7472,9723,7497,2087,09711,923
Current Liabilities 7,9696,8098,8059,2957,5895,1303,1424,3438,65914,727
Trade Payables161210319365208513214
Short term borrowings5,9544,8738,1718,6337,1784,6652,7833,8747,96913,952
Other Liabilities-6,115-5,084-8,490-8,998-7,198-4,750-2,796-3,876-7,970-13,956
Total Liabilities ⓘ 12,88111,40013,32314,84412,85110,04412,60617,97623,87334,774

Assets

Non Current Asset 8,1507,16312,75713,74611,9089,26111,79015,80822,71933,408
Loan Asset 7,3966,05712,15413,13811,1758,56510,67815,22922,04632,695
Other Non Current Asset ⓘ 7541,1066036087336961,112579673713
Current Asset 4,7314,2365651,0989437838162,1681,1531,365
Current Investment2647000002686541,157
Other Current Asset4,7054,1895651,0989437838161,900499208
Total Assets ⓘ 12,88111,40013,32314,84412,85110,04412,60617,97623,87334,774

Cash Flow

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 7142,406211-5841,6612,088-1,649-3,900-6,986-10,569
Cash Flow From Investing Activity ⓘ -244-180-36-77-24193-525-1772,993-482
Cash Flow From Financing Activity ⓘ -498-2,301-2091,135-1,782-2,1202,2444,3443,64710,821
Net Cash Flow ⓘ -28-75-34475-3636070266-346-231

Finance Ratio

Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)808100-214827-1
DPS (₹)1111000220
BVPS (₹)8686769593727482105103

Performance Ratios

ROA (%)1.50.11.62.0-0.1-5.12.63.89.8-0.3
ROE (%)11.00.310.512.6-0.4-26.17.79.728.6-1.2
ROCE (%)11.08.510.710.48.60.98.09.117.24.8

Valuation Parameters

Price/Book(x)0.91.22.01.20.21.53.73.64.53.4

Poonawalla Fincorp Ltd Stock News

Poonawalla Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Poonawalla Fincorp on 10-Jul-2025 10:14 is ₹470.1.
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 10-Jul-2025 10:14 the market cap of Poonawalla Fincorp stood at ₹36,507.9.
The latest P/E ratio of Poonawalla Fincorp as of 10-Jul-2025 10:14 is 0.00.
The latest P/B ratio of Poonawalla Fincorp as of 10-Jul-2025 10:14 is 4.57.
The 52-week high of Poonawalla Fincorp is ₹483.4 and the 52-week low is ₹267.2.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Poonawalla Fincorp is ₹4,190 ( Cr.) .

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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