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Poonawalla Fincorp Limited (POONAWALLA.NS)
INR475.55
+6.30 (+1.34%)
IN NSE Financial Services Financial - Credit Services
Address
AP81, Koregaon Park Annex 411 036
Pune, IN
Pune, IN
CEO
Arvind Kapil
Website
poonawallafincorp.com
IPO
2004-04-27
ISIN INE511C01022
Also trades on
Bombay Stock Exchange · POONAWALLA.BO (INR)
National Stock Exchange of India · MAGMA.NS (INR)
National Stock Exchange of India · POONAWALLA.NS (INR)
Description
Poonawalla Fincorp Limited, an Indian non-banking financial institution, specializes in delivering asset-backed financial solutions. The company extends a diverse array of credit products, encompassing personal financing for professionals like chartered accountants, company secretaries, and doctors, as well as salaried and public sector employees. It also provides funding for personal events such as home improvements, weddings, travel, and unexpected medical needs. Furthermore, Poonawalla Fincorp supports enterprises with working capital, MSME, proprietorship, and women-centric business loans. Its portfolio also includes financing for vehicles, medical devices, residential properties, real estate-backed lending, and vehicle leasing programs. Beyond credit, the firm supplies various insurance offerings. Poonawalla Fincorp maintains an extensive operational footprint across 242 branches. Established in 1978, its corporate base is located in Pune, India. Initially incorporated as Magma Fincorp Limited, it rebranded to Poonawalla Fincorp Limited in July 2021. The entity functions as a subsidiary of Rising Sun Holdings Pvt Ltd.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR475.55
+6.30 (+1.34%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.26
Float Shares
294.26M
Free Float %
33.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.09% | -8.43% | +4.30% | -11.68% | -14.68% | -13.56% | +8.27% | +28.43% | +208.08% | +361.02% | +8,249.00% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
475.55
Ratings Trend (MoM)
50% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 3 | 0 |
Quality scores
Altman Z-Score
0.64
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+67.2% ★ Q1'26: +94.2% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+638.6% ★ Q1'26: +288.9% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+21.0% Q1'26: +40.5% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+10.8% Q1'26: +16.4% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+0.9% Q1'26: +1.7% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+2.3% Q1'26: +5.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×66.94× Q1'26: 35.50× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 6 Rev. Ana. 8 EPS Ana. |
Mar 2027 6 Rev. Ana. 8 EPS Ana. |
Mar 2028 6 Rev. Ana. 8 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
24.60B
est: 11.30B (+117.6%)
|
25.87B
est: 12.73B (+103.3%)
|
24.66B
est: 12.71B (+94.1%)
|
22.12B
est: 13.60B (+62.6%)
|
23.41B
est: 14.72B (+59.1%)
|
24.12B
est: 13.08B (+84.5%)
|
22.29B
est: 12.25B (+82.0%)
|
15.15B
est: 13.02B (+16.4%)
|
18.72B
est: 15.36B (+21.8%)
|
29.51B
est: 22.92B (+28.7%)
|
40.00B
est: 27.26B (+46.7%)
|
39.63B
39.02B – 40.15B
+45.4% YoY
|
63.17B
60.59B – 66.26B
+59.4% YoY
|
89.62B
73.07B – 96.10B
+41.9% YoY
|
120.55B
105.54B – 128.08B
+34.5% YoY
|
| EBITDA |
6.91B
est: 2.90B (+138.2%)
|
7.84B
est: 3.26B (+140.3%)
|
5.47B
est: 3.26B (+67.8%)
|
4.63B
est: 3.49B (+32.6%)
|
6.03B
est: 3.78B (+59.7%)
|
2.84B
est: 3.35B (-15.5%)
|
-5.89B
est: 3.14B (-287.6%)
|
5.08B
est: 3.34B (+52.3%)
|
8.63B
est: 3.94B (+119.0%)
|
22.13B
est: 7.52B (+194.1%)
|
-540.10M
est: 8.95B (-106.0%)
|
13.01B
12.81B – 13.18B
+45.4% YoY
|
20.74B
19.89B – 21.75B
+59.4% YoY
|
29.42B
23.99B – 31.55B
+41.9% YoY
|
39.57B
34.65B – 42.05B
+34.5% YoY
|
| EBIT |
6.56B
est: 2.58B (+154.2%)
|
7.45B
est: 2.91B (+156.3%)
|
4.98B
est: 2.90B (+71.8%)
|
4.13B
est: 3.11B (+33.1%)
|
5.53B
est: 3.36B (+64.4%)
|
2.09B
est: 2.99B (-30.1%)
|
-6.46B
est: 2.80B (-330.8%)
|
4.59B
est: 2.97B (+54.4%)
|
8.01B
est: 3.51B (+128.5%)
|
21.54B
est: 7.06B (+205.2%)
|
-1.19B
est: 8.39B (-114.2%)
|
12.20B
12.02B – 12.36B
+45.4% YoY
|
19.45B
18.66B – 20.40B
+59.4% YoY
|
27.59B
22.50B – 29.59B
+41.9% YoY
|
37.12B
32.50B – 39.44B
+34.5% YoY
|
| Net Income |
1.81B
est: 6.62B (-72.7%)
|
2.11B
est: 6.38B (-66.9%)
|
204.53M
est: 1.16B (-82.4%)
|
2.37B
est: 7.52B (-68.5%)
|
3.04B
est: 8.62B (-64.7%)
|
270.53M
est: 2.26B (-88.1%)
|
-5.59B
est: 3.52B (-258.7%)
|
3.75B
est: 3.54B (+6.1%)
|
6.84B
est: 5.79B (+18.1%)
|
16.83B
est: 17.43B (-3.4%)
|
-983.40M
est: 437.88M (-324.6%)
|
4.96B
4.22B – 5.60B
+1,032.6% YoY
|
11.80B
10.15B – 13.45B
+138.0% YoY
|
20.83B
15.44B – 22.81B
+76.5% YoY
|
23.41B
20.45B – 26.38B
+12.4% YoY
|
| SGA |
5.54B
est: 401.96M (+1,279.3%)
|
5.97B
est: 452.48M (+1,218.6%)
|
5.25B
est: 451.77M (+1,061.1%)
|
6.55B
est: 483.68M (+1,254.3%)
|
8.54B
est: 523.30M (+1,532.2%)
|
4.55B
est: 464.95M (+878.6%)
|
3.87B
est: 435.45M (+787.8%)
|
4.25B
est: 462.77M (+818.4%)
|
5.46B
est: 546.20M (+899.1%)
|
4.92B
est: 4.18B (+17.7%)
|
6.95B
est: 4.98B (+39.6%)
|
7.23B
7.12B – 7.33B
+45.4% YoY
|
11.53B
11.06B – 12.09B
+59.4% YoY
|
16.36B
13.34B – 17.54B
+41.9% YoY
|
22.00B
19.26B – 23.38B
+34.5% YoY
|
| EPS |
8.88
est: 8.55 (+3.9%)
|
8.89
est: 8.24 (+7.9%)
|
0.86
est: 1.50 (-42.7%)
|
9.72
est: 9.71 (+0.1%)
|
11.33
est: 11.13 (+1.8%)
|
1.00
est: 2.93 (-65.8%)
|
-20.74
est: 4.55 (-555.8%)
|
5.23
est: 4.57 (+14.5%)
|
8.94
est: 7.48 (+19.5%)
|
21.89
est: 22.66 (-3.4%)
|
-1.27
est: 0.58 (-320.5%)
|
6.22
5.33 – 7.08
+979.4% YoY
|
15.26
12.81 – 16.99
+145.5% YoY
|
23.22
19.49 – 28.80
+52.1% YoY
|
30.80
25.82 – 33.30
+32.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-13 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 2/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 2/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 2/5 | 3/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
8.78B
OE per share TTM
10.84
Owner's Yield
2.40%
Maintenance CapEx ratio
21.46%
Maint CapEx / Avg PPE
6.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 24 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Schwab Emerging Markets Equity ETF SCHE | 0.02% | 1.95M | 0.06% |
| 2 | Vanguard Emerging Markets Ex-China ETF VEXC | 0.01% | 30.9K | 0.07% |
| 3 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.01% | 530.7K | 0.17% |
| 4 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.01% | 530.7K | 0.17% |
| 5 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.01% | 122.9K | 0.48% |
| 6 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.01% | 277.1K | 0.26% |
| 7 | Vanguard FTSE Asia ex Japan Shares Index ETF VAE.AX | 0.01% | 52.7K | 0.40% |
| 8 | Vanguard FTSE Emerging Markets ETF VWO | 0.01% | 13.68M | 0.06% |
| 9 | Vanguard ESG International Stock ETF VSGX | 0.00% | 219.0K | 0.10% |
| 10 | Vanguard All-World ex-US Shares Index ETF VEU.AX | 0.00% | 110.9K | 0.04% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
3.04M
Shares Outstanding
875.49M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Arvind Kapil | MD, Chief Executive Officer & Director | 457M | male |
| Sanjay Kumar Miranka | Chief Financial Officer | 54M | male |
| Sunil Samdani | Executive Director | 49M | male |
| Shabnum Zaman | Company Secretary | 11M | female |
| Rashmi Prasad | Head of Analytics | — | male |
| Salil Hajarnis | Chief Technology Officer | — | male |
| Sanjiv Jha | National Business Head of Asset Backed Finance | — | — |
| Vadakke Madathil Maneesh Kumar | Head of Operations | — | male |
| Bholananda Behera | Chief Compliance Officer | — | male |
| Harsh Kumar | Chief Human Resources Officer & Head Artificial Intelligence | — | male |
| Manish Verma | Head of Investor Relations & Corporate Communications | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for POONAWALLA.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
