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Poonawalla Fincorp Limited
(POONAWALLA)
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Rating:53Neutral
Price Target:
₹488.00
▲(17.63% Upside)
Action:Reiterated
Date:09/19/26
The score is anchored by improving FY2026 fundamentals (profitability recovery, deleveraging, and positive cash flow), but is held back by high multi-year volatility in profits and cash conversion. Technicals are mildly supportive with price above major moving averages, while the high P/E materially detracts from the overall attractiveness.
Positive Factors
Strong Revenue Scaling
Rapid FY2026 revenue expansion indicates stronger lending activity and broader customer reach across the company’s retail and commercial products. If maintained, this scale can improve operating leverage, support reinvestment in branch and digital channels, and strengthen the platform’s competitive position.
Negative Factors
Volatile Profit History
Recent profitability is encouraging, but losses in multiple periods and wide margin variation make it difficult to establish a durable earnings trajectory. Continued volatility could constrain capital planning, reduce confidence in sustainable returns, and make future performance more dependent on credit and operating conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Scaling
Rapid FY2026 revenue expansion indicates stronger lending activity and broader customer reach across the company’s retail and commercial products. If maintained, this scale can improve operating leverage, support reinvestment in branch and digital channels, and strengthen the platform’s competitive position.
Read all positive factors
Poonawalla Fincorp Limited (POONAWALLA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹390.86B
Dividend Yield0.84%
Average Volume (3M)174.36K
Price to Earnings (P/E)46.7
Beta (1Y)1.60
Revenue Growth73.47%
EPS GrowthN/A
CountryIN
Employees5,860
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)9.51
Shares Outstanding880,601,600
10 Day Avg. Volume146,404
30 Day Avg. Volume174,364
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)2.82
Price to Sales (P/S)4.36
P/FCF Ratio11.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)16.43
Revenue Forecast (FY)₹64.60B
Poonawalla Fincorp Limited Business Overview & Revenue Model
Company Description
Poonawalla Fincorp Limited, an Indian non-banking financial institution, specializes in delivering asset-backed financial solutions. The company extends a diverse array of credit products, encompassing personal financing for professionals like cha...
How the Company Makes Money
Poonawalla Fincorp primarily makes money by earning interest income on the loans it originates and holds on its balance sheet. Its core revenue model is spread-based lending: it raises funds (e.g., via borrowings and other funding sources typical ...
Poonawalla Fincorp Limited Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.82B | 66.90B | 40.00B | 29.51B | 18.72B | 15.15B |
| Gross Profit | 40.98B | 37.35B | 20.14B | 17.04B | 9.92B | 7.05B |
| EBITDA | 16.96B | 8.18B | -540.10M | 22.13B | 8.63B | 5.08B |
| Net Income | 7.87B | 5.42B | -983.40M | 16.83B | 6.84B | 3.75B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 602.72B | 350.30B | 240.87B | 232.21B | 164.43B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.94B | 14.42B | 2.69B | 13.99B | 7.30B |
| Total Debt | 0.00 | 484.36B | 260.81B | 152.16B | 112.09B | 99.73B |
| Total Liabilities | -103.48B | 499.23B | 268.55B | 159.20B | 163.47B | 103.84B |
| Stockholders Equity | 103.48B | 103.48B | 81.75B | 81.67B | 68.61B | 60.56B |
Cash Flow | ||||||
| Free Cash Flow | -91.24B | 26.25B | -106.13B | 13.42B | -53.18B | -31.12B |
| Operating Cash Flow | -90.30B | 27.19B | -105.69B | -78.01B | -52.37B | -30.49B |
| Investing Cash Flow | -141.00B | -258.45B | -4.82B | 29.69B | -1.10B | 1.43B |
| Financing Cash Flow | 233.91B | 233.87B | 108.21B | 43.31B | 57.48B | 29.03B |
Poonawalla Fincorp Limited Technical Analysis
Negative
414.85
Price Trends
469.56
Negative
447.05
Negative
441.92
Positive
Market Momentum
-4.61
Positive
41.53
Neutral
22.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:POONAWALLA, the sentiment is Negative. The current price of 414.85 is below the 20-day moving average (MA) of 455.62, below the 50-day MA of 469.56, and below the 200-day MA of 441.92, indicating a neutral trend. The MACD of -4.61 indicates Positive momentum. The RSI at 41.53 is Neutral, neither overbought nor oversold. The STOCH value of 22.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:POONAWALLA.
Poonawalla Fincorp Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹2.29T | 17.34 | ― | 1.10% | 10.38% | 9.95% | |
66 Neutral | ₹6.06T | 29.38 | ― | 0.62% | 17.80% | 16.10% | |
63 Neutral | ₹1.39T | 23.88 | ― | 0.12% | 19.87% | 28.06% | |
59 Neutral | ₹485.19B | 21.62 | ― | 0.92% | 13.67% | 15.62% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹455.53B | 13.86 | ― | 3.61% | 13.60% | 30.32% | |
53 Neutral | ₹390.86B | 46.67 | ― | 0.84% | 73.47% | ― |
* General Sector Average
IN:POONAWALLA
Poonawalla Fincorp Limited
443.80
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-11.62%
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Poonawalla Fincorp Limited Corporate Events
Poonawalla Fincorp clears all resolutions at 46th virtual AGM
Jul 24, 2026
Poonawalla Fincorp Limited held its 46th Annual General Meeting on July 24, 2026 via video conferencing and other audio-visual means, with the proceedings deemed to be conducted at its registered office. The company facilitated remote e-voting and...
Poonawalla Fincorp posts ₹67,000 crore AUM and strong liquidity for Q1 FY27
Jul 6, 2026
Poonawalla Fincorp Limited reported that its assets under management stood at approximately ₹67,000 crore as of June 30, 2026, underscoring the scale of its lending operations. The company also disclosed ample liquidity of about ₹4,000...
Poonawalla Fincorp Sets July 24 for Digital-First AGM and Opens Remote E-Voting Window
Jul 1, 2026
Poonawalla Fincorp Limited has scheduled its 46th Annual General Meeting for July 24, 2026, at 3:00 p.m. IST, to be conducted via video conferencing and other audio-visual means. The company has released its annual report for the financial year 20...
Poonawalla Fincorp Sets Virtual AGM and Opens E-Voting for FY 2025–26
Jul 1, 2026
Poonawalla Fincorp Limited has scheduled its forty-sixth Annual General Meeting for July 24, 2026, at 3:00 p.m. IST, to be conducted via video conferencing and other audio-visual means. The company has released its annual report for the financial ...
Poonawalla Fincorp files 2025-26 Business Responsibility and Sustainability Report
Jul 1, 2026
Poonawalla Fincorp Limited has released its Business Responsibility and Sustainability Report for the financial year 2025-26, prepared on a standalone basis and assured by BDO India Services Private Limited with a mix of reasonable and limited ass...
Poonawalla Fincorp Sets July 24 Digital AGM, Releases FY26 Annual Report
Jul 1, 2026
Poonawalla Fincorp has scheduled its 46th Annual General Meeting for July 24, 2026, to be conducted via video conferencing and other audio-visual means, and has released its Annual Report for the financial year ended March 31, 2026 on its website....
Poonawalla Fincorp Publishes Call Option Notice to Debenture Holders
Jun 27, 2026
Poonawalla Fincorp Limited has notified stock exchanges that it has published a newspaper advertisement addressed to holders of a specific series of debentures, identified by ISIN INE511C08969, regarding the company’s decision to exercise a ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.