Company File · BSE 524000 · Latest filing Q2 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
Poonawalla Fincorp Limited
Data as of 19 Oct 2026 close · BSE · Latest results Q2 FY27
ISIN INE511C01022 · POONAWALLA · Financial Services › Finance
About the business
What does Poonawalla Fincorp do? It is a Pune-based non-banking finance company & part of the Cyrus Poonawalla group. What is an NBFC? A company that lends like a bank but does not hold a full banking licence. Poonawalla offers personal loans, business loans, loans against property & loans to professionals & small businesses, mostly through digital channels.
Price & valuation · BSE close, 19 Oct 2026
Below its usual level
Book value ₹156 a share
- NII growth
- +80.5%
- Profit growth
- +405.2%
- Credit cost
- 2.21%
- Price/book
- 2.86×
- Usual P/B
- 3.9×
- ROA
- 2.22%
- ROE
- 12.4%
- Borrowings/equity
- 4.28×
- Promoter
- 59.01%
- Pledged
- 0.00%
From the latest earnings call · Jul to Sep 2026 · transcript filed 14 Oct 2026
Jul–Sep 2026 marks an inflection point with AUM at ₹74,008 crore growing 10.4% from the previous quarter. Management delivered disciplined expansion with NIM+fees at 9.26%, credit cost down to 2.19% & ROA improved to 2.18%, while launching new products contributing 28% of disbursements & operationalizing AI across the enterprise.
Is it expensive, and is it a good business?
Key ratios
In short Priced below its own usual level (P/B 2.86× vs 3.9×), earns about 12.4% a year on shareholders' money (ROE, an estimate), loses about 2.21% of its loans a year to bad loans (credit cost, an estimate) & borrows ₹4.28 for every ₹1 of shareholders' money.
What you pay Valuation
The share price is 2.9 times the accounting value of each share. Below its 1-year median of 3.9×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹156 of net assets on the books.
Shareholders' equity ÷ shares. As of 30th September 2026.
The company paid no dividend in the last 12 months.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, credit costs, returns & borrowing
NII was 80.5% higher than in Q2 FY26.
Latest quarter's net interest income (interest income less finance costs) vs the same quarter a year earlier. As of 30th September 2026.
Profit was 405.2% higher than in Q2 FY26.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 30th September 2026.
Its credit losses come to about 2.21% of its loans for a year, on Q2 FY27's figure.
Latest quarter: credit losses (impairment on financial instruments) × 4 ÷ the average loan book on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
Each ₹100 of its assets earned about ₹2.22 in a year, on Q2 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
Each ₹100 of shareholders' money earned about ₹12.4 in a year, on Q2 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
It has borrowed ₹4.28 for every ₹1 of shareholders' money.
Borrowings ÷ shareholders' equity on the latest balance sheet. As of 30th September 2026.
Who owns it Ownership & more
The founders or parent group own 59.01% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding fell by 0.01 percentage points last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202659.01%
- Jun 202659.02%
- Dec 202563.95%
- Sep 202563.96%
Promoters reported no pledged shares.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 20260.00%
- Jun 20260.00%
- Dec 20250.00%
- Sep 20250.00%
Each share has a face (nominal) value of ₹2. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 88.06 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹39,341 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹97,983 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
The company reported ₹1,088 crore of profit over the last four quarters.
Sum of the last four quarters' reported profit after tax. As of 30th September 2026.
Each share earned about ₹12.83 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 30th September 2026.
Each share is backed by about ₹156 of net assets on the books.
Shareholders' equity ÷ shares. As of 30th September 2026.
About ₹57.4 of every ₹100 of sales was left after running costs.
EBITDA ÷ revenue over the last four quarters. As of 30th September 2026.
About ₹14.3 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th September 2026.
Sales were 70.2% higher than a year earlier.
Latest quarter's revenue vs the same quarter last year. As of 30th September 2026.
Profit was 405.2% higher than a year earlier.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th September 2026.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 30th September 2026.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 30th September 2026.
Stock on hand equals about 0 days of sales.
Inventories ÷ last 12 months' revenue × 365. As of 30th September 2026.
0.4% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 30th September 2026.
Each ₹1 of profit brought in ₹-40.21 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2026.
Borrowings exceed cash by ₹58,642 crore.
Cash & bank balances − borrowings. As of 30th September 2026.
The company paid about 25.2% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th September 2026.
Operating profit before interest, depreciation & tax was ₹5,103 crore.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th September 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
The company spent ₹94 crore on plant & equipment.
Purchase of property, plant & equipment, latest full year. As of 31st March 2026.
Borrowings stood at ₹58,865 crore.
Current + non-current borrowings. As of 30th September 2026.
Foreign institutions own 11.64%.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
Domestic institutions own 17.16%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹533.7.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 20th October 2025.
The lowest price in the last year was ₹362.95.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 30th March 2026.
The share price moved -12.7% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 0% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th September 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 88.06 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. The credit cost is a year's credit losses on its average loans: lower is better. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. Borrowings ÷ equity shows how much of its lending runs on borrowed money.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 4 quarters ₹ crore · Consolidated
| ₹ crore | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|---|
| Interest income | 1,660 | 1,894 | 2,118 | 2,416 |
| Net interest income (NII) | 920.9 | 1,050 | 1,197 | 1,380 |
| Credit losses | 295.5 | 309.9 | 353.6 | 346.4 |
| Cost-to-income | 54.1% | 49.0% | 46.0% | 46.7% |
| Profit after tax | 150.2 | 254.8 | 307.7 | 374.9 |
| Basic EPS (₹) | 1.86 | 3.15 | 3.55 | 4.27 |
Latest filings BSE
Corporate announcements 21
- 16 Oct 2026Monitoring Agency Report
- 16 Oct 2026Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
- 9 Oct 2026Related Party Transaction Statement For Half Year Ended September 30, 2026
Quarterly results 4
- 9 Oct 2026Press Release / Media Release
- 9 Oct 2026Financial Results For Q2 FY2026-27
- 9 Oct 2026Board Meeting Outcome for Outcome Of Board Meeting Held On October 09, 2026
Conference calls 6
- 14 Oct 2026Earnings Call TranscriptOpens the call notes & transcript
- 9 Oct 2026Earnings Call TranscriptOpens the call notes & transcript
- 1 Oct 2026Analyst / Investor Meet - Intimation
Investor presentations 1
- 9 Oct 2026Investor Presentation
Members see every filing, and what each means for the company in Corporate Intelligence.
The full Company File
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