Lends to retail and small-business customers in India through six product franchises mounted on a single operating platform. Income is primarily interest on its loan book, with assets under management of ₹67,054 crore at the end of Q1 FY27, up 62.5% year-on-year. The main lines are prime personal loans (₹537 crore monthly disbursement, 38% digital), gold loans (₹875 crore monthly disbursement across 460 branches), and consumer durable financing (₹433 crore monthly disbursement through 17,300 retailer outlets). Smaller franchises cover commercial vehicles (₹104 crore monthly disbursement via 1,100 channel partners) and education loans (₹144 crore monthly disbursement across 50 locations); together, newer product lines made up 26% of Q1 FY27 disbursements. Net interest margin was 9.10% in Q1 FY27 and return on assets 1.98%, with a cost of borrowing of 7.72%. Reported asset quality was gross NPAs of 1.37% and net NPAs of 0.70%. A ₹2,500 crore Qualified Institutional Placement closed in April 2026 lifted capital adequacy to 19.46% and supported a debt-to-equity ratio of 3.82x. Employees account for 15% of revenue and other operating expenses for 14.5%, with depreciation and capex each around 1.4% of revenue. AR · MarketPing reader · 2026-08-03
Revenue streams, as the annual report describes them. Prime personal loans, Gold loans, Consumer durable financing, Commercial vehicle finance, Education loans, Legacy / core lending book. Diversified retail NBFC running six product franchises on a single platform, scaling rapidly with high financial leverage.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 2,004 | 1,939 | 3,109 | 4,190 | 6,790 |
| EBITDA (ex other income) | 1,224 | 1,338 | 3,105 | 1,412 | 3,579 |
| margin % | 61.1 | 69.0 | 99.9 | 33.7 | 52.7 |
| Owners' profit | 375 | 684 | 1,652 | 0 | 542 |
| EPS, as reported (₹) | 5.23 | 8.95 | 21.89 | (1.27) | 6.84 |
| ROE % · ROCE % | 6.2 · — | 10.0 · — | 20.6 · — | (1.2) · — | 5.2 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (3,049) | (5,237) | (7,556) | (10,569) | (21,786) |
| Capex | (62) | (64) | (9) | (28) | (94) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 989 | 1,057 | 1,166 | 1,314 | 1,542 | 1,818 | 2,115 | 2,337 |
| Profit before tax | (630) | 25 | 80 | 83 | 99 | 200 | 341 | 411 |
| Net profit | (471) | 19 | 62 | 63 | 74 | 150 | 255 | 308 |
| EPS (₹) | (6.10) | 0.24 | 0.81 | 0.81 | 0.95 | 1.86 | 3.15 | 3.55 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · Poonawalla Fincorp to raise up to Rs 2000 crore via NCD private placement | fund raising | medium | — | — |
| 9 Sept 2026 · CRISIL reaffirms AAA rating, bank loan facility raised by Rs 4,500 Cr | credit debt | medium | — | — |
| 3 Sept 2026 · Poonawalla Fincorp announces schedule of investor meets in September | board shareholder meetings | low | — | — |
| 2 Sept 2026 · Poonawalla Fincorp grants 11.05 lakh stock options under ESOP-2024 | capital market events | low | — | — |
| 28 Aug 2026 · Poonawalla Fincorp grants 10.86 lakh ESOP options at Rs 478.50 | general | low | — | — |
| 27 Aug 2026 · Newspaper notice for re-lodgement of physical share transfers | compliance | minimal | — | — |
| 22 Aug 2026 · Allotment of 63,468 Equity Shares under ESOP | capital market events | low | — | — |
| 21 Aug 2026 · Allotment of 150 crore Tier II NCDs at 8.43 percent coupon | fund raising | medium | — | — |
| 18 Aug 2026 · Poonawalla Fincorp to raise up to Rs 200 crore via Tier II NCDs | fund raising | high | — | — |
| 17 Aug 2026 · Poonawalla Fincorp allots NCDs worth Rs 315 crore via private placement | fund raising | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 75.8 |
| MUTHOOT FINANCE LIMITED | 1,12,094 | 9.9 | 2.82 | 3.9 | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 46.7 | 18.2 | 169 of 212 | 20% |
| P/B | 3.8 | 1.1 | 210 of 245 | 14% |
| ROE | 5.2 | 3.0 | 105 of 266 | 61% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 58.3 | 48.6 | 113 of 249 | 55% |
| Revenue growth | 77.8 | 12.6 | 45 of 231 | 81% |
| Profit growth | 391.6 | 7.8 | 25 of 251 | 90% |
| Market cap | 38886 | 37 | 12 of 260 | 96% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
