Poonawalla Fincorp Ltd’s fundamental analysis highlights key financial metrics: Market Cap of ₹28,646.21 crore, PE Ratio of 25.8, Debt to Equity of 186.31, and Return on Equity of 22.38%. These indicators reflect the company’s financial health and market valuation.
Content:
- Poonawalla Fincorp Ltd Overview
- Poonawalla Fincorp Ltd Financial Results
- Poonawalla Fincorp Ltd Financial Analysis
- Poonawalla Fincorp Limited Company Metrics
- Poonawalla Fincorp Ltd Stock Performance
- Poonawalla Fincorp Peer Comparison
- Poonawalla Fincorp Shareholding Pattern
- Poonawalla Fincorp Ltd History
- How To Invest In Poonawalla Fincorp Share?
- Poonawalla Fincorp Fundamental Analysis – FAQs
Poonawalla Fincorp Ltd Overview
Poonawalla Fincorp Ltd is an Indian non-banking finance company primarily engaged in the business of financing. It operates in the financial services sector, offering various loan products including personal loans, business loans, and specialized loans for professionals.
The company is listed on both the NSE and BSE. With a market capitalization of ₹28,646.21 crore, it’s currently 40.08% away from its 52-week high and 10.32% away from its 52-week low.
Poonawalla Fincorp Ltd Financial Results
Poonawalla Fincorp Ltd reported a total income of ₹3,147 crores in FY 24, up from ₹2,008 crores in FY 23. Expenses stood at ₹1,758 crores, compared to ₹1,409 crores in the previous year. The company’s net profit reached ₹835 crores, reflecting strong operational growth.
1. Revenue Trend: Poonawalla Fincorp’s revenue rose from ₹2,008 crores in FY 23 to ₹3,147 crores in FY 24, showcasing a 57% increase.
2. Equity and Liabilities: Total liabilities amounted to ₹24,087 crores in FY 24, up from ₹23,221 crores in FY 23. Equity capital remained stable at ₹154 crores.
3. Profitability: Operating profit rose from ₹599 crores in FY 23 to ₹1,390 crores in FY 24, improving the Pre-Provision Operating Profit (PPOP) margin to 44.15%.
4. Earnings per Share (EPS): EPS increased from ₹9 in FY 23 to ₹22 in FY 24, indicating improved earnings performance.
5. Return on Net Worth (RoNW): Poonawalla Fincorp’s net profit reached ₹835 crores in FY 24, contributing to an overall improved return on equity and business growth.
6. Financial Position: Current assets increased to ₹23,530 crores in FY 24 from ₹22,792 crores in FY 23, signaling a stronger financial position.
Poonawalla Fincorp Ltd Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Total Income | 3,147 | 2,008 | 2,041 |
| Total Expenses | 1,758 | 1,409 | 1,468 |
| Pre-Provisioning Operating Profit | 1,390 | 599 | 573 |
| PPOP Margin (%) | 44.15 | 29.83 | 28.08 |
| Provisions and Contingencies | 72 | -145 | 78 |
| Profit Before Tax | 1,318 | 744 | 496 |
| Tax % | 37 | 24 | 23 |
| Net Profit | 835 | 562 | 381 |
| EPS | 22 | 9 | 5 |
| Net Interest Income | 2,159 | 1,343 | 1,288 |
| NIM (%) | 11 | 9 | 10 |
| Dividend Payout % | 9.14 | 22.35 | 7.65 |
* Consolidated Figures in Rs. Crores
Poonawalla Fincorp Limited Company Metrics
Poonawalla Fincorp Ltd’s company metrics include a market capitalization of ₹28,646.21 crore, a book value per share of ₹105, and a face value of ₹2. With a debt-to-equity ratio of 186.31, a return on equity of 22.38%, and a 0.54% dividend yield, these figures underscore the company’s financial position and investment profile.
Market Capitalization:
Market Capitalization represents the total market value of Poonawalla Fincorp’s outstanding shares, amounting to ₹28,646.21 crore.
Book Value:
The book value per share of Poonawalla Fincorp is ₹105, indicating the value of the company’s net assets divided by its outstanding shares.
Face Value:
The face value of Poonawalla Fincorp’s shares is ₹2, which is the original cost of the shares as stated on the certificate.
Asset Turnover Ratio:
The asset turnover ratio of 0.23 measures how efficiently Poonawalla Fincorp uses its assets to generate revenue.
Total Debt:
The total debt of ₹15,215.72 crore represents the sum of all short-term and long-term debt obligations of Poonawalla Fincorp.
Return on Equity (ROE):
The ROE of 22.38% measures Poonawalla Fincorp’s profitability in generating income from its equity investments.
EBITDA (Q):
The quarterly EBITDA of ₹404.16 crore represents Poonawalla Fincorp’s earnings before interest, taxes, depreciation, and amortization.
Dividend Yield:
The dividend yield of 0.54% shows the annual dividend payment as a percentage of Poonawalla Fincorp’s current share price, indicating the return on investment from dividends alone.
Poonawalla Fincorp Ltd Stock Performance
Poonawalla Fincorp Ltd has delivered a return on investment of 6.76% over the past year, 32.4% over three years, and 47.1% over five years. This showcases its steady performance, with stronger long-term growth for investors looking for sustained returns.
| Period | Return on Investment (%) |
| 1 Year | 6.76 |
| 3 Years | 32.4 |
| 5 Years | 47.1 |
Example: If an investor had invested ₹1,000 in Poonawalla Fincorp Ltd stock:
1 year ago, their investment would be worth ₹1,067.60.
3 years ago, their investment would have grown to ₹1,324.
5 years ago, their investment would have increased to ₹1,471.
Poonawalla Fincorp Peer Comparison
Poonawalla Fincorp Ltd, with a market cap of ₹31,505.94 Crores, has a P/E ratio of 25.83 and ROE of 13.9%. Its 1-year return stands at 6.76%. In comparison, Bajaj Finance shows a stronger ROE at 22.12%, while Shriram Finance delivers an impressive 85.87% 1-year return.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| Bajaj Finance | 7582.45 | 469514.78 | 31.46 | 22.12 | 242.47 | 1.31 | 11.93 | 0.47 |
| Bajaj Finserv | 1916.8 | 305967.26 | 36.67 | 15.28 | 52.28 | 25.59 | 11.72 | 0.05 |
| Jio Financial | 353.9 | 225134.99 | 142.02 | 1.27 | 2.5 | 55.46 | 1.55 | 0 |
| Cholaman.Inv.&Fn | 1604.3 | 134808.15 | 36.86 | 20.16 | 43.74 | 35.02 | 10.41 | 0.12 |
| Shriram Finance | 3532.1 | 132793.76 | 17.56 | 15.93 | 204.54 | 85.87 | 11.27 | 1.27 |
| Bajaj Holdings | 11163.4 | 124303.86 | 16.66 | 14.77 | 670.49 | 51.95 | 13.07 | 1.17 |
| HDFC AMC | 4378.3 | 93594.79 | 45.16 | 29.51 | 97.06 | 63.59 | 37.72 | 1.6 |
| Poonawalla Fin | 405.15 | 31505.94 | 25.83 | 13.9 | 22.69 | 6.76 | 10.8 | 0.49 |
Poonawalla Fincorp Shareholding Pattern
Poonawalla Fincorp Ltd, as of June 2024, has a promoter holding of 62.09%, slightly decreasing from 62.13% in March 2024. Foreign Institutional Investors (FII) hold 7.85%, while Domestic Institutional Investors (DII) have increased their stake to 6.79%. Retail and others hold 23.28%.
| All values in % | Jun-24 | Mar-24 | Dec-23 |
| Promoters | 62.09 | 62.13 | 62.07 |
| FII | 7.85 | 7.76 | 7.79 |
| DII | 6.79 | 5.83 | 5.60 |
| Retail & others | 23.28 | 24.29 | 24.55 |
Poonawalla Fincorp Ltd History
Poonawalla Fincorp Limited is a prominent non-banking finance company in India, specializing in various financing solutions. The company offers a wide range of financial services, including pre-owned car finance, personal loans, loans to professionals, business loans, and loans against property.
The company’s personal loan offerings are diverse, catering to different needs such as urgent personal loans, short-term personal loans, and loans for salaried employees. In the business sector, Poonawalla Fincorp provides unsecured business loans, small business loans, and specialized loans for women entrepreneurs and working capital needs.
Poonawalla Fincorp has expanded its services to include professional loans for chartered accountants, company secretaries, and doctors. With a widespread presence across approximately 21 states in India, the company has established itself as a significant player in the non-banking financial services sector.
How To Invest In Poonawalla Fincorp Share?
To invest in Poonawalla Fincorp shares, open a demat account with Alice Blue. Research the company’s fundamentals, financial performance, and position in the NBFC sector. Analyze historical stock data and compare it with industry peers.
Determine your investment strategy based on your financial goals and risk tolerance. Consider factors such as the company’s loan book quality, growth in different lending segments, and overall NBFC sector trends. Decide on the investment amount and timing.
Place your order through the broker’s platform. Regularly monitor your investment, staying updated on company news, quarterly results, and financial sector trends. Consider seeking advice from a financial advisor for personalized guidance and to ensure your investment aligns with your overall portfolio strategy.
Poonawalla Fincorp Fundamental Analysis – FAQs
Poonawalla Fincorp Ltd fundamental analysis reveals a Market Cap of ₹28,646.21 crore, PE Ratio of 25.8, Debt to Equity of 186.31, and Return on Equity of 22.38%. These metrics provide insights into the company’s financial health, profitability, and market valuation.
Poonawalla Fincorp’s market capitalization is ₹28,646.21 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current stock price by the number of outstanding shares.
Poonawalla Fincorp Limited is an Indian non-banking finance company specializing in various lending products. It offers personal loans, business loans, professional loans, and other financial services across multiple states in India, catering to diverse customer needs.
Poonawalla Fincorp is majority-owned by the Poonawalla Group, led by Adar Poonawalla. As a publicly listed company, the remaining ownership is distributed among various institutional and individual shareholders through stock market participation.
The main shareholders of Poonawalla Fincorp Ltd include the Poonawalla Group as the majority stakeholder, along with institutional investors and public shareholders. For the most current and accurate information on major shareholders, refer to the company’s latest shareholding pattern disclosure.
Poonawalla Fincorp operates in the non-banking financial services industry. The company specializes in providing various loan products and financial services, including personal loans, business loans, and professional loans, catering to diverse customer segments across India.
To invest in Poonawalla Fincorp shares, open a demat account with Alice Blue. Research the company’s performance and NBFC sector trends. Decide on your investment strategy. Place your order through the broker’s platform. Regularly monitor your investment, staying informed about market conditions. Consider seeking financial advice for personalized guidance.
Determining if Poonawalla Fincorp is overvalued or undervalued requires analyzing its financials, growth prospects, industry position, and peer comparison. Consider factors like PE ratio, future earnings potential, and NBFC sector trends. Consult recent analyst reports for expert opinions on the company’s valuation.
Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time. The securities quoted are exemplary and are not recommendatory.
