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Poonawalla Fincorp Limited
POONAWALLA · NBFC · NSE
₹383
Current Market Price
Fair Value (P/B + Residual Income)
₹343
Discount to FV
-10.5%
Updated just now
YieldIQ Score
28/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
90%
ROE
-1.2%
Debt/Equity
3.19
Cost of Equity
11.0%
Market Cap
₹33,537 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
-0.2%
Return on capital employed
Revenue CAGR (3Y)
20.4%
3-year revenue growth
Revenue CAGR (5Y)
27.7%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹383
Bear case
Margin of Safety -147.3%
Implied upside -59.6%
Base case
Margin of Safety -13.2%
Implied upside -11.7%
Bull case
Margin of Safety +12.3%
Implied upside +14.1%
Ratio Trends
POONAWALLA · last 6 annual periods
ROE
-1.2%
ROCE
-0.2%
Operating Margin
—
Debt / Equity
3.19×
PE
141.7×
EV / EBITDA
39.6×
Historical Financials
POONAWALLA · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1515 Cr | ₹1872 Cr | ₹2951 Cr | ₹4067 Cr | ₹6561 Cr | +44.3% |
| EBITDA | ₹514 Cr | ₹879 Cr | ₹2218 Cr | ₹1340 Cr | ₹1793 Cr | +36.7% |
| EBIT | ₹1206 Cr | ₹1346 Cr | ₹3084 Cr | — | — | +26.5% |
| PAT | ₹375 Cr | ₹684 Cr | ₹1683 Cr | ₹-98.3 Cr | ₹542 Cr | +9.6% |
| EPS (diluted) | ₹5.17 | ₹7.37 | ₹21.23 | — | — | +42.4% |
| CFO | ₹-2873 Cr | ₹-5064 Cr | ₹-7556 Cr | ₹-10.6K Cr | ₹-21.8K Cr | — |
| CapEx | ₹-62.8 Cr | ₹-81.0 Cr | ₹-17.9 Cr | ₹-43.3 Cr | ₹-107 Cr | — |
| FCF | ₹-2936 Cr | ₹-5145 Cr | ₹-7574 Cr | ₹-10.6K Cr | ₹-21.9K Cr | — |
| Total Assets | ₹16.4K Cr | ₹23.2K Cr | ₹24.1K Cr | ₹35.0K Cr | ₹60.3K Cr | +38.4% |
| Total Debt | ₹9973 Cr | ₹11.2K Cr | ₹15.2K Cr | ₹26.1K Cr | ₹48.4K Cr | +48.5% |
| Shareholders' Equity | ₹6056 Cr | ₹6861 Cr | ₹8167 Cr | ₹8175 Cr | ₹10.3K Cr | +14.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
POONAWALLA vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 IREDA Indian Renewable Energy Development Agency Limited | +0.5%+0.5% upside | 54 | Near Fair Value | 13.6% | — |
 PIRAMALFIN Piramal Finance Limited | +35.2%+54.4% upside | 40 | Below Fair Value | 5.3% | — |
 HUDCO Housing & Urban Development Corporation Limited | -34.2%-25.5% upside | 49 | Above Fair Value | 18.4% | 7.9× |
 M&MFIN Mahindra & Mahindra Financial Services Limited | +31.0%+44.9% upside | 50 | Below Fair Value | 10.7% | 13.9× |
 CHOLAHLDNG CHOLAHLDNG | — | — | Pending | 15.8% | 10.5× |
Click a ticker to view its fair-value analysis.
Dividend History
7 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹4.40/sh
Last payout
2024-01-31
₹2.00
Peak payout
₹2.00
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Poonawalla Fincorp Limited (POONAWALLA.NS) trades at 383.00 vs a model fair value of 342.89, a gap of -10.5%. Piotroski F-score: 7/9. Moa...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of POONAWALLA →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for POONAWALLA →
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Head-to-head with peers
Compare POONAWALLA side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse POONAWALLANow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.