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NSE:PIRAMALFIN

PIRAMAL FINANCE LIMITED

Financial Services › Finance·NIFTY 500NIFTY LARGEMIDCAP 250NIFTY MIDCAP 150NIFTY MIDSMALLCAP 400+4
₹1,808.50
at close · 28 Oct 2026
▼ 51.50 (-2.77%)

Latest filings

  1. CARE finds no deviation in use of Piramal Finance issue funds · Compliance
  2. Postal ballot seeks approval for independent director appointment · Management Changes
  3. Q2 profit rises 67%; FY27 profit growth guidance retained · Investor Communications
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends to retail and wholesale borrowers as a non-banking financial company that has shifted 98% of its book to growth (retail) lending. The wholesale book is 70:30 between real estate and CMML at an average ticket of Rs 56 crore and yield of 14.2%. Retail disbursements accelerated to Rs 12,527 crore in Q1 FY27, up 44% YoY, with the network covering 780 branches across 607 cities and around 6 million customers. The biggest line in the FY26 cost stack is employee cost at Rs 1,811.24 crore (15.3% of revenue), followed by other opex at Rs 1,268.69 crore and depreciation at Rs 902.8 crore. Capital adequacy stood at 18.85% with debt-to-equity at 2.80; the company is rated AA+ domestically by CRISIL, ICRA and CARE, and BBB/Stable by Japanese agencies. Three group companies are being merged into the lender via an NCLT-filed scheme, and the board has approved a fund raise of up to Rs 4,000 crore.

Revenue mix · reported segments
Retail/Growth lending85.0%
Wholesale lending15.0%
Operating scale
Total AUM
Rs 1,06,940 crQ1 FY27
Mortgage book
Rs 61,199 cr (57% of AUM)Q1 FY27
Retail AUM
Rs 91,249 crQ1 FY27
Wholesale book
Rs 13,238 crQ1 FY27
Branch network
780 branches across 607 citiesQ1 FY27
Gold loan branches
67 branches, target 200 by March 2027Q1 FY27
Who pays it
Retail borrowers (individuals taking mortgages, personal, business and gold loans) and wholesale borrowers (real estate developers and corporates for CMML structured debt)
Biggest cost
Employee cost is the largest disclosed line at Rs 1,811.24 cr (15.3% of FY26 revenue); for an NBFC, funding/borrowing costs sit above it but are not separately disclosed in the cost-shape facts
Kind of business
Retail-focused upper-layer NBFC with a mortgage-heavy book and a residual wholesale real estate portfolio
Where it sits
Total AUM of Rs 1,06,940 cr (Q1 FY27); AA+ rated by CRISIL, ICRA and CARE and BBB/Stable by JCR and R&I; among the larger NBFCs by AUM
Market Cap
₹40,999 Cr
P / E (TTM)
24.2×
EV / EBITDA
—
Div Yield
0.61%
Growth
—·
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY26)
ROE 5.3% · margin 71.5%
Leverage
—·
Debt / Equity · not read for a lender
Moves on a normal day
1.14%·
Median daily move
Last 239 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#119/200
P/B#148/253
ROE#101/257
EBITDA margin#104/249

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

PIRAMALFIN · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from PIRAMAL FINANCE LIMITED's filed financials and exchange disclosures

What does PIRAMAL FINANCE LIMITED do?

PIRAMAL FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol PIRAMALFIN.

Is PIRAMAL FINANCE LIMITED profitable?

Yes. Over the trailing twelve months PIRAMAL FINANCE LIMITED reported a net profit of ₹1,691 Cr on revenue of ₹12,582 Cr.

Does PIRAMAL FINANCE LIMITED pay a dividend?

Yes. The dividend yield is 0.61% at the current price. It paid out 17% of its profit as dividend in FY26.

Is PIRAMAL FINANCE LIMITED expensive compared with its peers?

On trailing P/E, PIRAMAL FINANCE LIMITED ranks 119 of 200 in Non Banking Financial Company (NBFC) — cheaper than 41% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the PIRAMAL FINANCE LIMITED share price move in a day?

On a typical session PIRAMAL FINANCE LIMITED moves 1.14% — that is the median absolute close-to-close move across its last 239 trading days. MarketPing measures each filing's price reaction against it.

Where can I track PIRAMAL FINANCE LIMITED's announcements?

Every NSE and BSE filing by PIRAMAL FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.