Piramal Finance
BSE: PIRAMALFIN · Housing Finance Company
Snapshot
Unlock Piramal Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Piramal Finance operates as an Upper Layer NBFC providing a diverse range of retail and wholesale lending solutions. Its retail portfolio includes home loans, loans against property, personal loans, and used car loans, while its wholesale division focuses on real estate and non-real estate sectors.
Business Model
The company generates revenue primarily through interest income earned on its retail and wholesale loan portfolios. It operates as an NBFC-ICC, focusing on credit disbursement without the acceptance of public deposits.
Management Commentary
The company recently transitioned its regulatory status to an NBFC-ICC, reflecting a strategic shift in its operational framework. Management continues to focus on expanding its retail lending footprint across various asset classes.
Growth Outlook
Growth is expected to be driven by the expansion of retail loan products and continued penetration into the real estate and non-real estate wholesale lending markets. The company's recent registration as an NBFC-ICC provides a stable regulatory foundation for future credit growth.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on retail or wholesale loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact net interest margins and the cost of borrowing for the company.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory requirements from the Reserve Bank of India that could impact operational flexibility.
- Real Estate Market Sensitivity. The company's significant exposure to the real estate sector makes it vulnerable to cyclical downturns in property demand and construction activity.
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Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Piramal FinancePIRAMALFIN | ₹50,436 Cr | 29.81 | — | — | 60.3% | 6.0% | — | — |
Bajaj Housing Finance Ltd.BAJAJHFL | ₹69,225 Cr | 25.72 | 15.80 | 16.3% | 91.3% | 12.7% | — | -25.8% |
LIC Housing Finance Ltd.LICHSGFIN | ₹30,916 Cr | 5.39 | — | 0.4% | 94.4% | 14.8% | 6.9% | +1.4% |
PNB Housing Finance Ltd.PNBHOUSING | ₹30,385 Cr | 13.12 | 8.37 | 9.8% | 94.0% | 12.8% | 9.9% | +49.0% |
Aadhar Housing Finance Ltd.AADHARHFC | ₹21,146 Cr | 18.40 | — | 17.7% | 76.6% | 16.4% | — | -4.5% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
As of Q1 FY27
Financials
Piramal Finance
BSE: PIRAMALFIN · Housing Finance Company
Snapshot
Unlock Piramal Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Piramal Finance operates as an Upper Layer NBFC providing a diverse range of retail and wholesale lending solutions. Its retail portfolio includes home loans, loans against property, personal loans, and used car loans, while its wholesale division focuses on real estate and non-real estate sectors.
Business Model
The company generates revenue primarily through interest income earned on its retail and wholesale loan portfolios. It operates as an NBFC-ICC, focusing on credit disbursement without the acceptance of public deposits.
Management Commentary
The company recently transitioned its regulatory status to an NBFC-ICC, reflecting a strategic shift in its operational framework. Management continues to focus on expanding its retail lending footprint across various asset classes.
Growth Outlook
Growth is expected to be driven by the expansion of retail loan products and continued penetration into the real estate and non-real estate wholesale lending markets. The company's recent registration as an NBFC-ICC provides a stable regulatory foundation for future credit growth.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on retail or wholesale loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact net interest margins and the cost of borrowing for the company.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory requirements from the Reserve Bank of India that could impact operational flexibility.
- Real Estate Market Sensitivity. The company's significant exposure to the real estate sector makes it vulnerable to cyclical downturns in property demand and construction activity.
Start your research today
Unlock AI insights, financials, peers and live data on Piramal Finance and 5,000+ companies — free.
Peers · Housing Finance Company
As of Q1 FY27