POONAWALLAPoonawalla Fincorp

₹472.65-0.41%

Market Cap

₹38,420.83 Cr

Stock P/E

176.36

ROCE

4.82%

ROE

-1.22%

Book Value

₹121.52

Financials

YoY Net Sales

EPS Growth

Operating Margin

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Shareholding

Holdings

Distribution

Promoter

Foreign Investors

Domestic Investors

Public

From Last Concall

POSITIVES

•
AUM growth led to a robust topline with material scale-up.
•
Funding profile improved with higher NCD share and incremental equity infusion supporting the balance sheet.

NEGATIVES

•
Near-term margin pressure due to portfolio recalibration; NIM is expected to stabilise toward 9% over 3–4 quarters.
•
Operating expenditure remains elevated due to aggressive expansion (staffing and branch rollout), potentially pressuring near-term profitability.

Peers Summary

Sector Leader

Poonawalla Fincorp Ltd. showcases a mixed performance in comparison to its peers, with strong growth indicators but concerning profitability metrics. The company has potential as a value pick given its high ROE, but its negative EPS and high debt levels present challenges. Overall, while it has strong growth, profitability and valuation metrics suggest careful consideration by investors.

Key Points

• Poonawalla Fincorp Ltd. exhibits significant revenue growth YoY but struggles with profitability metrics like EPS and margins.
• Cholamandalam Investment and Finance Company Ltd. stands out for its balance of profitability and growth despite high debt levels.
• Bajaj Holdings & Investment Ltd. presents exceptional growth with strong profitability metrics and could be considered a sector leader.

Top Performers

Bajaj Holdings & Investment Ltd.

Exceptional revenue growth and profitability metrics (ROE of 14.96%, high EPS) make it a sector leader.

Cholamandalam Investment and Finance Company Ltd.

Strong profitability metrics (ROE of 20.23%) despite high debt, indicating effective management.

Shriram Finance Ltd.

Balanced growth and profitability, with a low PE ratio indicating valuation attractiveness.

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