Models
POONAWALLA FINCORP LTDPOONAWALLAFinance
₹-2per share · Base Model Note
Revenue growth, the horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.
Scenario
Value per share, your model₹(2)implied P/B (0.01)× on FY26 book
Against CMP ₹444.00−100.4%close of 2026-09-10
Cost of equity15.46%risk-free + beta × equity risk premium
Book equity, FY26₹118per share · excess returns add ₹(120)
This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.
Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity
| ₹ crore | FY27 | FY28 | FY29 | FY30 | FY31 |
|---|---|---|---|---|---|
| Opening book equity | 10,348 | 10,886 | 11,452 | 12,048 | 12,674 |
| Net income at 5.2% ROE | 538 | 566 | 596 | 626 | 659 |
| Cost of equity charge at 15.46% | (1,600) | (1,683) | (1,771) | (1,863) | (1,959) |
| Excess return | (1,062) | (1,117) | (1,175) | (1,236) | (1,300) |
| Present value | (988) | (900) | (820) | (747) | (681) |
| Closing book equity | 10,886 | 11,452 | 12,048 | 12,674 | 13,333 |
| Book equity today | 10,348 |
| PV of 5 years of excess return | (4,137) |
| PV of the terminal excess return, 5% flat | (6,362) |
| add non-operating investments | 0 |
| Equity value | (151) |
| ÷ 87.58 crore shares | ₹(2) |
ROE is at or below the cost of equity, so every year destroys value against book and the model lands below book value. That is the arithmetic, not a view.
Where the methods land · ₹ per share · the dashed line is the CMP
52-week rangetraded range, a fact not a value
₹361₹570
Scenarios side by side · ₹ per share
| Scenario | Template | Growth | Margin | Rate | Terminal | ₹ / share | vs CMP |
|---|---|---|---|---|---|---|---|
| Base · editing | Excess return | ROE 5.2% | — | 15.46% | 5% | ₹(2) | (100.4)% |
A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.