Poonawalla Fincorp Ltd.
NSE: POONAWALLA · Non Banking Financial Company (NBFC)
Snapshot
Unlock Poonawalla Fincorp Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Poonawalla Fincorp Limited is a non-banking financial company that provides a diverse range of retail and business lending products, including personal loans, MSME financing, and asset-backed loans. Operating as a subsidiary of Rising Sun Holdings, the company leverages a network of 242 branches across India to serve salaried professionals and small business owners.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan portfolio and fees associated with financial services. It operates by sourcing funds and deploying capital across various consumer and business segments, while also cross-selling insurance products to its customer base.
- Branch Network:242
- Incorporation Year:1978
Growth Outlook
Growth is driven by the expansion of its digital lending capabilities and the deepening of its footprint in the MSME and consumer finance segments. The company continues to focus on scaling its asset book through targeted product offerings for professionals and small enterprises.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly within the unsecured personal and MSME lending segments.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the cost of borrowing funds.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India, which may impact operational flexibility.
- Economic Cyclicality. A slowdown in the Indian economy could reduce credit demand and adversely affect the repayment capacity of the company's retail and business clients.
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Key Metrics
REVENUE
₹7,813 Cr
TTM · consolidated
NET PROFIT
₹787 Cr
TTM · consolidated
EPS
₹9.51
TTM · consolidated
RETURN ON EQUITY
8.5%
TTM · consolidated
P/E
49.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
13.2%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Poonawalla Fincorp Ltd.POONAWALLA | ₹41,246 Cr | 49.26 | — | 72.6% | — | 8.5% | — | +8.2% |
Mahindra & Mahindra Financial Services Ltd.M&MFIN | ₹51,936 Cr | 15.97 | — | 13.6% | — | 13.5% | — | +42.1% |
Sundaram Finance Ltd.SUNDARMFIN | ₹51,649 Cr | 23.08 | — | 13.7% | — | 15.8% | — | +3.4% |
Authum Investment & Infrastructure Ltd.AIIL | ₹44,151 Cr | 7.58 | — | -34.5% | — | 14.2% | — | -83.2% |
Manappuram Finance Ltd.MANAPPURAM | ₹31,909 Cr | 20.73 | — | 4.8% | — | 10.1% | — | +19.6% |
IIFL Finance Ltd.IIFL | ₹27,695 Cr | 13.17 | — | 35.9% | — | 17.1% | — | +50.6% |
As of Q1 FY27
Financials
Poonawalla Fincorp Ltd.
NSE: POONAWALLA · Non Banking Financial Company (NBFC)
Snapshot
Unlock Poonawalla Fincorp Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Poonawalla Fincorp Limited is a non-banking financial company that provides a diverse range of retail and business lending products, including personal loans, MSME financing, and asset-backed loans. Operating as a subsidiary of Rising Sun Holdings, the company leverages a network of 242 branches across India to serve salaried professionals and small business owners.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan portfolio and fees associated with financial services. It operates by sourcing funds and deploying capital across various consumer and business segments, while also cross-selling insurance products to its customer base.
- Branch Network:242
- Incorporation Year:1978
Growth Outlook
Growth is driven by the expansion of its digital lending capabilities and the deepening of its footprint in the MSME and consumer finance segments. The company continues to focus on scaling its asset book through targeted product offerings for professionals and small enterprises.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly within the unsecured personal and MSME lending segments.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the cost of borrowing funds.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India, which may impact operational flexibility.
- Economic Cyclicality. A slowdown in the Indian economy could reduce credit demand and adversely affect the repayment capacity of the company's retail and business clients.
Start your research today
Unlock AI insights, financials, peers and live data on Poonawalla Fincorp Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹7,813 Cr
TTM · consolidated
NET PROFIT
₹787 Cr
TTM · consolidated
EPS
₹9.51
TTM · consolidated
RETURN ON EQUITY
8.5%
TTM · consolidated
P/E
49.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
13.2%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27