Poonawalla Fincorp

Market Cap (₹ Cr.)

₹25,023

52 Week High

519.70

Book Value

₹105

52 Week Low

270.05

PE Ratio

59.93

PB Ratio

3.10

PE for Sector

31.53

PB for Sector

2.72

ROE

20.22 %

ROCE

17.68 %

Dividend Yield

0.62 %

EPS

₹15.74

Industry

Finance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

56.71 %

Net Income Growth

189.84 %

Cash Flow Change

-49.22 %

ROE

143.91 %

ROCE

88.09 %

EBITDA Margin (Avg.)

6.04 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	537	524	535	536	543	519	519	500	486	541	548	529	530	554	579	571	577	577	588	536	524	478	496	459	446	377	397	394	398	450	481	519	582	712	1,966	774	922	996	997
Expenses	200	209	209	218	199	196	207	215	408	267	203	220	159	222	225	194	170	256	249	243	247	185	228	235	1,078	157	158	151	158	164	149	143	152	194	207	178	241	272	1,260
EBITDA	337	315	326	318	344	323	312	285	79	274	344	310	372	333	354	377	407	320	339	293	278	292	269	225	-631	220	239	244	241	286	332	376	429	518	1,759	596	681	724	-263
Operating Profit %	62 %	60 %	60 %	59 %	63 %	61 %	59 %	56 %	14 %	50 %	62 %	58 %	70 %	59 %	60 %	66 %	70 %	54 %	57 %	53 %	53 %	61 %	53 %	48 %	-148 %	58 %	60 %	61 %	59 %	60 %	67 %	71 %	74 %	72 %	72 %	77 %	74 %	72 %	-27 %
Depreciation	12	10	10	11	9	11	12	14	12	13	12	12	13	12	12	12	14	18	18	19	17	14	13	12	13	11	12	13	14	12	14	16	19	16	15	15	14	15	16
Interest	266	254	247	247	250	257	241	226	216	264	257	250	243	243	248	260	268	291	303	268	262	244	228	212	191	147	128	124	110	119	144	159	173	235	216	224	281	320	352
Profit Before Tax	59	52	69	61	85	55	60	46	-150	-2	76	48	116	78	94	105	126	11	18	7	-1	34	27	2	-835	63	98	107	117	155	174	201	237	268	1,529	357	386	390	-631
Tax	13	12	21	17	29	17	26	38	-84	21	25	16	27	36	-2	8	-17	3	10	7	-9	22	19	7	-47	-3	0	0	1	42	8	-1	-25	41	404	65	91	61	-36
Net Profit	46	40	47	44	56	40	39	29	-103	29	61	36	75	52	71	67	87	8	12	5	-35	27	20	1	-626	50	74	80	89	124	130	150	181	200	1,259	265	332	292	-471
EPS in ₹	2.27	1.72	1.94	1.80	2.36	1.69	1.65	1.24	-4.33	1.24	2.57	1.54	3.15	1.94	2.62	2.47	3.21	0.29	0.45	0.20	-1.31	0.99	0.73	0.04	-23.22	0.87	0.97	1.05	1.17	1.62	1.70	1.97	2.36	2.61	16.39	3.45	4.31	3.79	-6.10

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	12,312	12,909	11,419	13,568	14,988	12,955	10,342	12,810	18,022	24,036
Fixed Assets	195	202	211	191	184	221	171	174	207	194
Current Assets	4,644	4,731	4,236	671	1,217	1,047	878	933	2,025	754
Capital Work in Progress	8	12	6	1	4	6	0	1	5	0
Investments	72	26	47	306	302	402	429	820	510	878
Other Assets	12,036	12,669	11,156	13,070	14,498	12,326	9,742	11,815	17,300	22,963
Total Liabilities	12,312	12,909	11,419	13,568	14,988	12,955	10,342	12,810	18,022	24,036
Current Liabilities	7,737	7,969	6,809	1,201	2,437	380	451	322	683	3,077
Non Current Liabilities	3,094	2,895	2,572	10,556	9,995	10,060	7,949	6,773	10,915	12,843
Total Equity	1,481	2,044	2,038	1,811	2,556	2,515	1,942	5,715	6,425	8,116
Reserve & Surplus	1,346	1,984	1,991	1,763	2,502	2,461	1,888	5,562	6,271	7,962
Share Capital	135	60	47	47	54	54	54	153	154	154

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-96	-28	-75	-34	475	-363	60	70	266	-346
Investing Activities	22	-244	-180	-36	-77	-241	93	-525	-177	2,993
Operating Activities	83	714	2,406	211	-584	1,661	2,088	-1,649	-3,900	-6,986
Financing Activities	-201	-498	-2,301	-209	1,135	-1,782	-2,120	2,244	4,344	3,647

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	May 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	24.39 %	73.29 %	73.20 %	72.52 %	68.25 %	61.50 %	61.49 %	61.48 %	62.05 %	62.14 %	62.12 %	62.10 %	62.07 %	62.13 %	62.09 %	61.87 %
FIIs	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	7.91 %	0.00 %	7.77 %	7.85 %	7.72 %
DIIs	12.38 %	6.44 %	6.26 %	6.34 %	6.50 %	6.21 %	5.68 %	5.09 %	4.48 %	6.14 %	7.92 %	6.97 %	5.47 %	5.83 %	6.79 %	10.61 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	14.83 %	5.56 %	7.26 %	8.53 %	13.10 %	18.42 %	18.42 %	18.78 %	18.48 %	17.42 %	15.19 %	15.68 %	17.60 %	17.41 %	17.37 %	15.02 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	6,815.75	4,21,425.10	27.40	54,982.50	32.75	14,451	13.04	45.53
Bajaj Finserv	1,559.30	2,49,805.80	29.38	1,10,383.00	34.50	15,595	11.30	31.64
Jio Financial Services	305.55	1,93,584.60	120.45	1,854.70	4,039.96	1,605	3.13	33.73
Bajaj Holdings & Investments	11,202.05	1,22,963.70	16.59	1,713.50	224.96	7,365	-4.89	56.57
Shriram Finance	2,926.90	1,08,395.80	13.82	36,413.00	19.35	7,391	20.18	40.72
Cholamandalam Investment	1,189.35	99,625.50	25.88	19,419.90	48.18	3,411	25.22	36.36
HDFC AMC	4,269.45	90,073.50	40.80	3,163.40	27.42	1,943	32.10	43.28
Muthoot Finance	2,062.50	81,697.90	17.45	15,162.70	26.62	4,468	20.62	56.80
SBI Cards	679.20	66,192.40	29.94	17,483.50	22.39	2,408	-32.94	36.11
Sundaram Finance	4,363.00	48,875.70	29.97	7,285.50	31.41	1,422	0.32	49.74