Flash Finance

Poonawalla Fincorp LimitedPOONAWALLABank / NBFC

Financial Services Credit Services Latest results: Sep 2026 16 quarters of data
Consolidated Standalone
₹448.95
MCap ₹39,322 Cr · P/E 36.1
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹2,624 Cr
Interest Earned · Sep 2026
+87.2% YoY
₹501 Cr
Operating Profit · Sep 2026
+40.6% YoY
₹375 Cr
Net Profit · Sep 2026
+405.2% YoY
₹4.27
EPS · Sep 2026
+349.5% YoY
—
Gross NPA % · Sep 2026
—
Net NPA % · Sep 2026

📝 Poonawalla Fincorp Limited — results explained

Quarter ended September 2026 (Q2 FY27)

Poonawalla Fincorp Limited reported total income of ₹2,625 crore for the quarter ended September 2026 (Q2 FY27), up 70.1% from ₹1,543 crore in the same quarter last year, and up 12.3% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹2,624 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹1,035 crore) worked out to ₹1,589 crore.

Net profit rose 405.2% year-on-year to ₹375 crore, from ₹74 crore. Earnings per share (EPS) came in at ₹4.27.

Full year and trailing twelve months

For the full year FY26, Poonawalla Fincorp Limited posted total income of ₹6,795 crore, a growth of 60.9% over FY25, with a net profit of ₹542 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹8,900 crore with a net profit of ₹1,088 crore.

Valuation snapshot

At the current price of ₹448.95, POONAWALLA has a market capitalisation of ₹39,322 crore and a trailing P/E of about 36.1.

Within the Credit Services industry, it is the 14th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 59.01%, foreign institutional investors (FIIs) 11.64%, domestic institutional investors (DIIs) 17.16%, public shareholders 12.19% of Poonawalla Fincorp Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹39,322 Cr
Current Price ?
₹448.9
P/E ?
36.15above ind
Industry P/E ?
15.80
P/B ?
2.86
P/S ?
4.42
P/FCF ?
-1.80
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
7.23
Earnings Yield ?
2.8%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹8,900 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹1,088 Cr
EPS (TTM) ?
₹12.42
ROCE ?
N/A
ROE ?
7.9%
ROA ?
1.5%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹2,625 Cr
PAT — latest qtr ?
₹375 Cr
YoY qtr sales growth ?
70.1%
YoY qtr profit growth ?
405.2%
Sales growth (3y) ?
46%
Sales growth (5y) ?
24%
Profit growth (3y) ?
5%
Profit growth (5y) ?
24%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
59.01%
Change in promoter holding ?
-4.95%
Pledged percentage ?
N/A
Market
Return 3 months ?
-5.9%
Return 6 months ?
8.5%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 6365776516917639158969111,0571,0681,1851,4021,6602,1152,3302,624 +87.2% +12.6%
Other Income 80235655117100860105129141159570 -99.8% -94.9%
Total Income 7166007077457749229969961,0571,1731,3141,5431,8182,1202,3372,625 +70.1% +12.3%
Interest Expended 2341732302162242813203523854585466687398449221,035 +55.1% +12.3%
Operating Profit 214—294336350—432279—238325357496—411501 +40.6% +21.9%
Provisions -30—2728-7—42910—158241258295——— — —
Profit Before Tax 2442543021,125357385390-63025808399200341411501 +406.9% +21.9%
Net Profit 182199226860265332292-47119626374150255308375 +405.2% +21.8%
EPS 2.382.582.9411.193.454.283.79-6.100.240.810.810.951.863.133.554.27 +349.5% +20.3%
Gross NPA % — 1.44% 1.42% 1.36% 1.33% 1.16% 0.67% 2.10% 1.85% 1.84% 1.84% 1.59% 1.51% 1.44% — — — —
Net NPA % — 0.78% 0.76% 0.72% 0.70% 0.59% 0.32% 0.33% 0.81% 0.85% 0.85% 0.81% 0.80% 0.74% — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹3,932 Cr ₹6,362 Cr ₹8,729 Cr +61.8%
Other Income ₹290 Cr ₹433 Cr ₹171 Cr +49.2%
Total Income ₹4,223 Cr ₹6,795 Cr ₹8,900 Cr +60.9%
Interest Expended ₹1,515 Cr ₹2,797 Cr ₹3,540 Cr +84.6%
Net Interest Income ₹2,417 Cr ₹3,566 Cr ₹5,190 Cr +47.5%
Operating Profit ₹950 Cr ₹1,177 Cr ₹1,408 Cr +23.9%
Provisions ₹1,110 Cr ₹794 Cr ₹295 Cr -28.5%
Profit Before Tax ₹-136 Cr ₹724 Cr ₹1,454 Cr +633.7%
Tax ₹-44 Cr ₹96 Cr ₹280 Cr +319.5%
Net Profit ₹-98 Cr ₹542 Cr ₹1,088 Cr +652.7%
EPS ₹-1.26 ₹6.75 ₹12.81 +635.7%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 154154155162176 +8.7%
Reserves 6,7088,0138,02010,18713,578 +33.3%
Borrowing 11,20915,21626,08148,43659,309 +22.4%
Other Liabilities 5,1507047741,4881,521 +2.2%
Total Liabilities 23,22124,08735,03060,27274,584 +23.7%
Fixed Assets 222194244427566 +32.6%
CWIP 501001 —
Investments 5108781,3422,4903,078 +23.6%
Other Assets 22,48423,01433,43457,35470,939 +23.7%
Total Assets 23,22124,08735,03060,27274,584 +23.7%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -5,064-7,556-10,569-21,786 -106.1%
Cash from Investing Activity -2832,725-482-1,340 -178.0%
Cash from Financing Activity 5,7484,33110,82123,387 +116.1%
Net Cash Flow 401-501-231261 +213.0%
Free Cash Flow -5,132-7,548-10,597-21,874 -106.4%
CFO/OP -374%-152%-749%-607% +19.0%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity -12,763 —
Cash from Investing Activity -438 —
Cash from Financing Activity 13,131 —
Net Cash Flow -70 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 7%14%-1%6% +700.0%

👥 Shareholding (latest 5 periods)

Metric Sep 2025Dec 2025Mar 2026Apr 2026Sep 2026 % Chg
Promoters 63.96%63.95%63.93%59.03%59.01% -0.0%
FIIs 10.56%10.61%10.21%11.25%11.64% +3.5%
DIIs 12.28%12.22%12.14%16.67%17.16% +2.9%
Public 12.58%12.62%13.15%12.49%12.19% -2.4%
Others 0.62%0.59%0.59%0.55%— —
No. of Shareholders 1,96,5981,91,5081,86,8631,87,4481,81,197 -3.3%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 15.9 20,052 4,871 12.7% 24.3% 12.4% 67.1% 26.5% 32.4%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 20.2 18,902 2,761 31.0% 14.6% — — 10.6% 38.3%
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 34.7 8,900 1,088 15.8% 12.2% 60.9% 652.7% 70.1% 405.2%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was Poonawalla Fincorp Limited's total income in Q2 FY27?
Poonawalla Fincorp Limited reported total income of ₹2,625 crore for the quarter ended September 2026 (Q2 FY27), up 70.1% from ₹1,543 crore in the same quarter last year, and up 12.3% sequentially over the June 2026 quarter.
What was Poonawalla Fincorp Limited's net profit in Q2 FY27?
Net profit rose 405.2% year-on-year to ₹375 crore, from ₹74 crore. Earnings per share (EPS) came in at ₹4.27.
What is POONAWALLA's market capitalisation and P/E ratio?
At the current price of ₹448.95, POONAWALLA has a market capitalisation of ₹39,322 crore and a trailing P/E of about 36.1.
Who owns Poonawalla Fincorp Limited? (shareholding pattern)
As of Sep 2026, promoters held 59.01%, foreign institutional investors (FIIs) 11.64%, domestic institutional investors (DIIs) 17.16%, public shareholders 12.19% of Poonawalla Fincorp Limited.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI