Poonawalla Fincorp Ltd
Fundamental Score
Poonawalla Fincorp Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of POONAWALLA across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (54.81%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (115.75%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (55.97%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Balanced Promoter Holding (63.96%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
12 factors identified
Below-Average Return on Equity (-1.28%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (4.77%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Premium Valuation Risk (P/E: 180.84x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Elevated Debt Levels (D/E: 3.64)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.14x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-24729.81 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for Poonawalla Fincorp Ltd
About POONAWALLA
Business Overview
Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers instant, personal, business, commercial vehicle, consumer durable, gold, education, professional, pre-owned car, medical equipment, and machinery loans; digital personal, and shopkeeper loans; loans against property; and mid-market and NBFC lending. It also provides supply chain financing and credit leasing services. In addition, the company offers insurance services. It serves individuals, salaried and self-employed professionals, students, proprietorship, MSMEs, OPCs, partnership firms, LLPs, private and public companies, private and public trusts, and society. The company was formerly known as Magma Fincorp Limited and changed its name to Poonawalla Fincorp Limited in July 2021. The company was incorporated in 1978 and is based in Mumbai, India. Poonawalla Fincorp Limited is a subsidiary of Rising Sun Holdings Pvt Ltd.
Company Details
Key Leadership
Corporate Events
Latest News
POONAWALLA Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Poonawalla Fincorp Ltd (POONAWALLA)?
As of 09 Feb 2026, 12:12 pm IST, Poonawalla Fincorp Ltd (POONAWALLA) is currently trading at ₹465.85. The stock has a market capitalization of ₹39.40K (Cr).
Is POONAWALLA share price Overvalued or Undervalued?
POONAWALLA is currently trading at a P/E ratio of 180.84x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Poonawalla Fincorp Ltd share price?
Key factors influencing POONAWALLA's price include its quarterly earnings growth (Sales Growth: 55.97%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Poonawalla Fincorp Ltd a good stock for long-term investment?
Poonawalla Fincorp Ltd shows a 5-year Profit Growth of N/A% and an ROE of -1.28%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.64 before investing.
How does Poonawalla Fincorp Ltd compare with its industry peers?
Poonawalla Fincorp Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare POONAWALLA's P/E of 180.84x and ROE of -1.28% against the industry averages to determine its competitive standing.
What is the P/E ratio of POONAWALLA and what does it mean?
POONAWALLA has a P/E ratio of 180.84x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹181 for every ₹1 of annual earnings.
How is POONAWALLA performing according to Bull Run's analysis?
POONAWALLA has a Bull Run fundamental score of 35.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does POONAWALLA belong to?
POONAWALLA operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Poonawalla Fincorp Ltd.
What is Return on Equity (ROE) and why is it important for POONAWALLA?
POONAWALLA has an ROE of -1.28%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Poonawalla Fincorp Ltd generates profits from shareholders' equity.
How is POONAWALLA's debt-to-equity ratio and what does it indicate?
POONAWALLA has a debt-to-equity ratio of 3.64, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is POONAWALLA's dividend yield and is it a good dividend stock?
POONAWALLA offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has POONAWALLA grown over the past 5 years?
POONAWALLA has achieved 5-year growth rates of: Sales Growth 10.76%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in POONAWALLA and why does it matter?
Promoters hold 63.96% of POONAWALLA shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is POONAWALLA's market capitalization category?
POONAWALLA has a market capitalization of ₹39398 crores, placing it in the Large-cap category.
How volatile is POONAWALLA stock?
POONAWALLA has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for POONAWALLA?
POONAWALLA has a 52-week high of ₹N/A and low of ₹N/A.
What is POONAWALLA's operating profit margin trend?
POONAWALLA has a 5-year average Operating Profit Margin (OPM) of 54.81%, indicating the company's operational efficiency.
How is POONAWALLA's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 55.97% and YoY Profit Growth of 115.75%.
What is the institutional holding pattern in POONAWALLA?
POONAWALLA has FII holding of 10.56% and DII holding of 12.28%. Significant institutional holding often suggests professional confidence in the stock.