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On 6 Nov 2026, Poonawalla Fincorp was priced at ₹473.90, or 37.1× trailing earnings. Its ROE of 9.2% is the lowest among the 7 largest Credit Services peers, and net profit fell 7.5% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 3.02× book value. It is a mid-cap company with a market cap of ₹41,733 Cr, ranked 14th of 193 Credit Services companies by market cap; the shares rose 0.5% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹472.80
Day high
₹475.95
Day low
₹465.10
Prev. close
₹474.95
Volume
16.4 L

Health check

2 good · 1 fair · 3 to check
  • ReturnsIn line

    +0.5% over a year, better than 3 of 7 peers.

  • Price tagPricier

    P/B 3.02 vs peer median 2.62.

  • GrowthShrinking

    Profit −7.5% a year over 3 years.

  • ProfitabilityWeak

    ROE 9.2% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 1.79%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Mid cap

₹41,733 Cr, #14 of 193 in its industry by size.

Defensive

Beta 0.30 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹4,068 Cr · profit ₹1,088 Cr
Market cap
₹41,733 Cr
Mid cap
P/E
37.1
Industry 15.5
Price to book
3.02
Peers 2.62
Dividend yield
0.00%
ROE
9.2%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹12.79
Face value ₹2
OPM (TTM)
32.2%
Net margin 26.7%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+348.4%
Latest quarter vs a year ago
Price to sales
10.26

Strengths and risks

Strengths

  • Quarterly profit up 348.4% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Poonawalla Fincorp

Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers prime personal, gold, education, consumer durable, commercial vehicle, shopkeeper, instant consumer, pre-owned car, business, mid-market, machinery and medical equipment, and professional loans, and loan against property, as well as NBFC lending. It also provides supply chain financing and credit leasing services. In…

Headquarters
Mumbai
Employees
5,860
Sector
Financial Services
ISIN
INE511C01022
Website
poonawallafincorp.com

Price range

52 weeks

₹361.20₹511.90

Today

₹465.10₹475.95
Avg volume (3M)
23.4 L
1-year return
plus 0.5%
From 52-week high
minus 7.4%

Analyst consensus

9 analysts
No consensusMean target ₹529.56 plus 11.7%

Target range, with today’s price

Low ₹395.00High ₹663.00

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
POONAWALLAPoonawalla Fincorp473.90minus 0.22%41,73337.13.029.2%1.8%−7.5%0.00%plus 0.5%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
1,2481,7752,0322,2772,623
9671,2671,4001,5221,713
281509632755910
22.5%28.7%31.1%33.2%34.7%
3.21.65.98.31.3
2224.125.530.434.5
−178−286−272−322−375
83.4200341411501
25.0%25.0%25.3%25.2%25.2%
62.6150255308375
0.811.853.143.544.26

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−7.5%
EPS CAGR 3Y
−8.4%
ROE
9.2%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,8722,9514,0006,491
–+57.6%+35.6%+62.2%
1,2701,6712,7685,641
6021,2801,232850
32.2%43.4%30.8%13.1%
99.385.2167990
50.519.416.332.2
77.664.465.194.1
178853−1,454−990
7512,134−135724
24.1%22.6%27.4%25.1%
6841,683−98.3542
–+146.0%minus 105.8%–
8.8621.63-1.276.82

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
154154155162
6,7088,0138,02010,187
11,20915,21626,08148,436
5,1507046891,488
23,22124,08734,94560,272
175152185354
–0.63.224.9
13217586.3202
1,3991,2301,3772,911
21,51422,53033,29356,780
23,22124,08734,94560,272

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−5,064−7,556−10,569−21,786
−2832,969−482−1,340
5,7484,33110,82123,387
401−501−231261
−81−17.9−43.3−107
−5,145−7,574−10,613−21,893
−30.6−307––

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 19.8% (Yahoo estimate).

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you