Poonawalla Fincorp Ltd
POONAWALLA
Finance
₹ 483.05
Price
₹ 39,273
Market Cap
Large Cap
180.27
P/E Ratio
📊 Score Snapshot
5.28 / 25
Performance
25 / 25
Valuation
3.43 / 20
Growth
7.0 / 30
Profitability
40.71 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -156.49 | -77.51 | -68.13 | -38.76 | 12.68 | 13.82 | -49.15 | 3.69 |
| Adj Cash PAT | -12,172 | -6,003 | -5,229 | -2,966 | 341.94 | 373.01 | -1,324 | 87.55 |
| Adj Cash PAT To PAT | 130.16 | -2.54 | -5.99 | -5.95 | -0.61 | 13.81 | -4.35 | 0.37 |
| Adj Cash PE | - | - | - | - | 9.12 | 1.22 | - | 44.99 |
| Adj EPS | -1.20 | 30.52 | 11.35 | 6.52 | -20.73 | 1.00 | 11.30 | 10.06 |
| Adj Number Of Shares | 77.78 | 77.45 | 76.77 | 76.53 | 26.97 | 27.00 | 26.93 | 23.72 |
| Adj PE | - | 22.22 | 32.80 | 59.49 | - | 16.89 | 10.86 | 16.39 |
| Adj Peg | - | 0.13 | 0.44 | - | - | - | 0.88 | 0.02 |
| Bvps | 105.10 | 105.45 | 89.54 | 79.16 | 81.35 | 101.78 | 101.89 | 83.14 |
| Cash Revenue | 4,200 | 10,815 | 4,347 | 3,079 | 4,635 | 5,027 | 4,907 | 4,583 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | - | 0.39 | 0.67 | 0.14 | - | - | 0.64 | 0.49 |
| Fcfe | -1,349 | -1,291 | 558.64 | -3,501 | -1,172 | -865.99 | -313.70 | -873.45 |
| Fcfe Margin | -32.11 | -11.94 | 12.85 | -113.72 | -25.29 | -17.23 | -6.39 | -19.06 |
| Fcfe To Adj PAT | 14.42 | -0.55 | 0.64 | -7.02 | 2.10 | -32.06 | -1.03 | -3.66 |
| Market Cap | 27,176 | 38,524 | 22,455 | 21,398 | 3,118 | 456.30 | 3,304 | 3,894 |
| PB | 3.32 | 4.72 | 3.27 | 3.53 | 1.42 | 0.17 | 1.20 | 1.97 |
| PE | - | 22.89 | 32.83 | 57.06 | - | 16.90 | 10.87 | 16.43 |
| Peg | - | 0.16 | 0.40 | - | - | - | 0.84 | 0.02 |
| PS | 6.49 | 3.56 | 5.16 | 6.95 | 0.67 | 0.09 | 0.67 | 0.85 |
| ROE | -1.14 | 31.43 | 13.50 | 12.09 | -22.62 | 0.98 | 12.91 | 11.42 |
| Share Price | 349.40 | 497.40 | 292.50 | 279.60 | 115.60 | 16.90 | 122.70 | 164.15 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,542 | 1,314 | 1,166 | 2,114 | 1,978 | 1,956 | 1,830 | 1,526 | 1,478 | 1,386 | 1,154 | 996.00 | 910.00 | 816.00 |
| Interest | 638.00 | 546.00 | 458.00 | 385.00 | 352.00 | 320.00 | 281.00 | 224.00 | 216.00 | 230.00 | 173.00 | 159.00 | 144.00 | 119.00 |
| Expenses - | 784.00 | 662.00 | 615.00 | 632.00 | 1,260 | 272.00 | 241.00 | 178.00 | 207.00 | 194.00 | 152.00 | 143.00 | 149.00 | 164.00 |
| Financing Profit | 121.00 | 105.00 | 93.00 | 40.00 | -622.00 | 386.00 | 393.00 | 361.00 | 316.00 | 269.00 | 251.00 | 196.00 | 163.00 | 126.00 |
| Financing Margin % | 7.85 | 7.99 | 7.98 | 1.89 | -31.45 | 19.73 | 21.48 | 23.66 | 21.38 | 19.41 | 21.75 | 19.68 | 17.91 | 15.44 |
| Other Income - | 0.47 | 0.04 | 7.04 | 0.14 | 7.63 | 18.27 | 6.73 | 11.15 | 6.62 | 13.82 | 3.98 | 17.94 | 25.67 | 22.11 |
| Exceptional Items | - | - | - | - | - | - | - | - | 822.14 | 25.93 | 18.54 | 34.20 | 32.68 | 37.20 |
| Depreciation | 22.00 | 22.00 | 20.00 | 15.00 | 16.00 | 15.00 | 14.00 | 15.00 | 15.00 | 15.00 | 19.00 | 16.00 | 14.00 | 12.00 |
| Profit Before Tax | 99.00 | 83.00 | 80.00 | 25.00 | -630.00 | 390.00 | 385.00 | 357.00 | 1,130 | 293.00 | 254.00 | 232.00 | 207.00 | 173.00 |
| Tax % | 25.25 | 24.10 | 22.50 | 24.00 | 25.24 | 25.13 | 13.77 | 25.77 | 23.89 | 22.87 | 21.65 | 21.55 | 21.26 | 18.50 |
| Net Profit - | 74.00 | 63.00 | 62.00 | 19.00 | -471.00 | 292.00 | 332.00 | 265.00 | 860.00 | 226.00 | 199.00 | 182.00 | 163.00 | 141.00 |
| Exceptional Items At | - | - | - | - | - | - | - | - | 529.00 | 26.00 | 18.00 | 34.00 | 33.00 | 35.00 |
| Profit Excl Exceptional | 74.00 | 63.00 | 62.00 | 19.00 | -471.00 | 292.00 | 332.00 | 265.00 | 331.00 | 200.00 | 180.00 | 148.00 | 130.00 | 106.00 |
| Profit For PE | 74.00 | 63.00 | 62.00 | 19.00 | -471.00 | 292.00 | 332.00 | 265.00 | 331.00 | 200.00 | 180.00 | 148.00 | 130.00 | 106.00 |
| Profit For EPS | 74.00 | 63.00 | 62.00 | 19.00 | -471.00 | 292.00 | 332.00 | 265.00 | 860.00 | 226.00 | 198.00 | 182.00 | 163.00 | 141.00 |
| EPS In Rs | 0.91 | 0.80 | 0.80 | 0.24 | -6.06 | 3.76 | 4.28 | 3.45 | 11.19 | 2.94 | 2.58 | 2.38 | 2.13 | 1.84 |
| PAT Margin % | 4.80 | 4.79 | 5.32 | 0.90 | -23.81 | 14.93 | 18.14 | 17.37 | 58.19 | 16.31 | 17.24 | 18.27 | 17.91 | 17.28 |
| PBT Margin | 6.42 | 6.32 | 6.86 | 1.18 | -31.85 | 19.94 | 21.04 | 23.39 | 76.45 | 21.14 | 22.01 | 23.29 | 22.75 | 21.20 |
| Tax | 25.00 | 20.00 | 18.00 | 6.00 | -159.00 | 98.00 | 53.00 | 92.00 | 270.00 | 67.00 | 55.00 | 50.00 | 44.00 | 32.00 |
| Yoy Profit Growth % | 116.00 | -79.00 | -81.00 | -93.00 | -242.00 | 46.00 | 84.00 | 79.00 | 154.00 | 89.00 | 101.00 | 53.00 | 36.00 | 64.00 |
| Adj PAT | 74.00 | 63.00 | 62.00 | 19.00 | -471.00 | 292.00 | 332.00 | 265.00 | 1,486 | 246.00 | 213.53 | 208.83 | 188.73 | 171.32 |
| Adj PAT Margin | 4.80 | 4.79 | 5.32 | 0.90 | -23.81 | 14.93 | 18.14 | 17.37 | 100.52 | 17.75 | 18.50 | 20.97 | 20.74 | 21.00 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,190 | 10,836 | 4,354 | 3,080 | 4,638 | 5,026 | 4,914 | 4,580 | 5,048 | 5,312 | 5,068 | 4,390 |
| Interest | 1,515 | 950.00 | 595.00 | 509.00 | 1,100 | 1,294 | 1,122 | 1,117 | 1,131 | 1,192 | 1,233 | 1,177 |
| Expenses - | 2,778 | 880.00 | 838.00 | 623.00 | 1,950 | 1,112 | 880.00 | 872.00 | 1,341 | 1,147 | 1,068 | 816.00 |
| Financing Profit | -103.00 | 3,588 | 744.00 | 408.00 | -731.00 | 107.00 | 454.00 | 301.00 | 52.00 | 318.00 | 233.00 | 201.00 |
| Financing Margin % | -2.46 | 33.11 | 17.09 | 13.25 | -15.76 | 2.13 | 9.24 | 6.57 | 1.03 | 5.99 | 4.60 | 4.58 |
| Other Income - | 26.90 | -2,239 | -53.47 | -45.03 | 38.80 | 49.41 | 37.95 | 37.47 | 43.33 | 27.82 | 25.31 | 29.92 |
| Exceptional Items | 6.18 | 876.50 | 237.22 | 154.37 | -0.08 | 0.03 | 0.43 | 1.90 | 0.10 | -0.02 | -0.53 | -0.26 |
| Depreciation | 65.00 | 59.00 | 61.00 | 49.00 | 56.00 | 75.00 | 50.00 | 49.00 | 48.00 | 39.00 | 35.00 | 33.00 |
| Profit Before Tax | -135.00 | 2,166 | 866.00 | 468.00 | -749.00 | 82.00 | 442.00 | 291.00 | 47.00 | 306.00 | 223.00 | 198.00 |
| Tax % | 27.41 | 22.30 | 20.90 | 19.87 | 25.37 | 67.07 | 31.22 | 18.56 | 72.34 | 30.39 | 16.14 | 19.19 |
| Net Profit - | -98.00 | 1,683 | 685.00 | 375.00 | -559.00 | 27.00 | 304.00 | 237.00 | 13.00 | 213.00 | 187.00 | 160.00 |
| Minority Share | - | - | -1.00 | - | - | - | - | - | 8.00 | -2.00 | -7.00 | -8.00 |
| Exceptional Items At | 6.00 | 630.00 | 188.00 | 139.00 | - | - | - | 1.00 | - | - | - | - |
| Profit Excl Exceptional | -105.00 | 1,053 | 497.00 | 237.00 | -559.00 | 27.00 | 304.00 | 236.00 | 13.00 | 213.00 | 188.00 | 160.00 |
| Profit For PE | -105.00 | 1,053 | 497.00 | 236.00 | -559.00 | 27.00 | 304.00 | 236.00 | 20.00 | 211.00 | 181.00 | 152.00 |
| Profit For EPS | -98.00 | 1,683 | 684.00 | 375.00 | -559.00 | 27.00 | 304.00 | 237.00 | 20.00 | 211.00 | 181.00 | 152.00 |
| EPS In Rs | -1.26 | 21.73 | 8.91 | 4.90 | -20.73 | 1.00 | 11.29 | 9.99 | 0.86 | 8.93 | 9.49 | 7.99 |
| Dividend Payout % | - | 9.00 | 22.00 | 8.00 | - | - | 7.00 | 8.00 | 93.00 | 9.00 | 8.00 | 10.00 |
| PAT Margin % | -2.34 | 15.53 | 15.73 | 12.18 | -12.05 | 0.54 | 6.19 | 5.17 | 0.26 | 4.01 | 3.69 | 3.64 |
| PBT Margin | -3.22 | 19.99 | 19.89 | 15.19 | -16.15 | 1.63 | 8.99 | 6.35 | 0.93 | 5.76 | 4.40 | 4.51 |
| Tax | -37.00 | 483.00 | 181.00 | 93.00 | -190.00 | 55.00 | 138.00 | 54.00 | 34.00 | 93.00 | 36.00 | 38.00 |
| Adj PAT | -93.51 | 2,364 | 872.64 | 498.70 | -559.06 | 27.01 | 304.30 | 238.55 | 13.03 | 212.99 | 186.56 | 159.79 |
| Adj PAT Margin | -2.23 | 21.82 | 20.04 | 16.19 | -12.05 | 0.54 | 6.19 | 5.21 | 0.26 | 4.01 | 3.68 | 3.64 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 139.20 | - | 104.95 | - | 117.61 | 100.08 | 130.49 | 95.79 | 60.58 |
| Advance From Customers | - | 13.00 | - | 19.00 | - | 74.00 | 60.00 | 89.00 | 60.00 | 59.00 |
| Average Total Assets | 36,981 | 29,558 | 23,336 | 23,654 | - | 19,832 | 14,828 | 14,226 | 16,014 | 15,842 |
| Average Total Equity | 8,970 | 8,171 | 7,949 | 7,520 | - | 6,466 | 4,126 | 2,471 | 2,746 | 2,358 |
| Borrowing | 35,979 | 26,081 | - | 15,216 | - | 11,209 | 9,973 | 10,475 | 12,047 | 13,133 |
| Cwip | - | 10.00 | - | - | - | 5.00 | - | - | 7.00 | 4.00 |
| Cash Equivalents | 126.00 | 32.00 | 138.00 | 269.00 | 185.00 | 657.00 | 597.00 | 775.00 | 708.00 | 957.00 |
| Fixed Assets | 323.00 | 244.00 | 224.00 | 194.00 | 181.00 | 222.00 | 214.00 | 196.00 | 242.00 | 199.00 |
| Gross Block | - | 383.00 | - | 299.15 | - | 339.12 | 314.37 | 326.30 | 337.62 | 259.72 |
| Investments | 1,656 | 1,342 | 1,239 | 878.00 | 427.00 | 311.00 | - | 177.00 | 151.00 | 141.00 |
| Lease Liabilities | - | - | 186.00 | - | 100.00 | - | - | - | - | - |
| Loans N Advances | 43,910 | 200.00 | 24,646 | 194.00 | - | 6,100 | 142.00 | 97.00 | 128.00 | 123.00 |
| Long Term Borrowings | - | - | 18,107 | - | 11,220 | - | - | - | - | 11,280 |
| Net Debt | -1,782 | -1,374 | 16,917 | 14,069 | 10,708 | 10,241 | 9,376 | 9,523 | 11,188 | 12,035 |
| Non Controlling Interest | - | - | - | - | - | 12.00 | 2.00 | - | - | - |
| Other Asset Items | 905.00 | 33,183 | 740.00 | 22,530 | 18,854 | 15,907 | 15,479 | 11,957 | 13,996 | 15,357 |
| Other Borrowings | - | - | - | 15,216 | - | 11,209 | 9,973 | 10,475 | 12,047 | - |
| Other Liability Items | 1,094 | 757.00 | 640.00 | 684.00 | 515.00 | 5,062 | 336.00 | 360.00 | 360.00 | 483.00 |
| Reserves | 9,712 | 8,020 | 7,911 | 8,013 | 7,678 | 6,708 | 5,903 | 2,140 | 2,694 | 2,690 |
| Share Capital | 161.00 | 155.00 | 155.00 | 154.00 | 154.00 | 154.00 | 153.00 | 54.00 | 54.00 | 54.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | 1,853 |
| Short Term Loans And Advances | - | - | - | 7.00 | - | 7.00 | 11.00 | 4.00 | 8.00 | 10.00 |
| Total Assets | 46,960 | 35,030 | 27,002 | 24,087 | 19,669 | 23,221 | 16,443 | 13,212 | 15,240 | 16,789 |
| Total Borrowings | - | - | 18,294 | 15,216 | 11,320 | 11,209 | 9,973 | 10,475 | 12,047 | 13,133 |
| Total Equity | 9,873 | 8,175 | 8,066 | 8,167 | 7,832 | 6,874 | 6,058 | 2,194 | 2,748 | 2,744 |
| Total Equity And Liabilities | 46,960 | 35,030 | 27,002 | 24,087 | 19,669 | 23,221 | 16,443 | 13,212 | 15,240 | 16,789 |
| Total Liabilities | 37,087 | 26,855 | 18,936 | 15,920 | 11,837 | 16,347 | 10,385 | 11,018 | 12,492 | 14,045 |
| Trade Payables | 13.00 | 4.00 | 3.00 | 1.00 | 3.00 | 2.00 | 15.00 | 94.00 | 25.00 | 370.00 |
| Trade Receivables | 40.00 | 18.00 | 14.00 | 44.00 | 22.00 | 38.00 | 20.00 | 20.00 | 16.00 | 18.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 10,821 | 4,331 | 5,748 | 2,903 | -1,574 | -1,083 | 1,490 | -387.00 |
| Cash From Investing Activity | -482.00 | 2,725 | -110.00 | -33.00 | 81.00 | -281.00 | -98.00 | -36.00 |
| Cash From Operating Activity | -10,569 | -7,556 | -5,237 | -2,873 | 1,644 | 998.00 | -923.00 | 390.00 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | -126.00 | -21.00 | - |
| Cash Paid For Loan Advances | -12,179 | -8,729 | -5,889 | -3,570 | 753.00 | 969.00 | -1,715 | -231.00 |
| Cash Paid For Purchase Of Fixed Assets | -43.00 | -18.00 | -81.00 | -63.00 | -23.00 | -59.00 | -54.00 | -44.00 |
| Cash Paid For Purchase Of Investments | -439.00 | -571.00 | -1,952 | -203.00 | - | - | - | - |
| Cash Paid For Redemption And Cancellation Of Shares | - | 3,533 | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | -523.00 | -608.00 | -346.00 | -574.00 | -50.00 | -492.00 | -300.00 | -592.00 |
| Cash Paid For Repayment Of Borrowings | -8,781 | -7,502 | -3,908 | -4,704 | -3,994 | -5,669 | -3,045 | -2,873 |
| Cash Received From Borrowings | 19,130 | 11,455 | 9,550 | 4,733 | 1,901 | 4,471 | 3,936 | 2,263 |
| Cash Received From Issue Of Debentures | 960.00 | 1,300 | 500.00 | - | 585.00 | 551.00 | 435.00 | 211.00 |
| Cash Received From Issue Of Shares | 80.00 | 30.00 | 4.00 | 3,466 | - | 100.00 | 490.00 | - |
| Cash Received From Sale Of Fixed Assets | 15.00 | 26.00 | 12.00 | 24.00 | 11.00 | 10.00 | 9.00 | 25.00 |
| Cash Received From Sale Of Investments | - | - | 1,910 | 209.00 | 7.00 | 12.00 | 49.00 | 14.00 |
| Change In Other Working Capital Items | 90.00 | 374.00 | -208.00 | 180.00 | 75.00 | -285.00 | 42.00 | -29.00 |
| Change In Payables | 1.00 | 9.00 | 2.00 | -73.00 | 76.00 | -339.00 | 53.00 | 106.00 |
| Change In Receivables | 10.00 | -21.00 | -7.00 | -1.00 | -3.00 | 1.00 | -7.00 | 3.00 |
| Change In Working Capital | -12,078 | -8,367 | -6,102 | -3,465 | 901.00 | 346.00 | -1,628 | -151.00 |
| Direct Taxes Paid | - | -664.00 | -55.00 | -51.00 | -4.00 | - | -42.00 | -104.00 |
| Dividends Paid | - | -307.00 | -31.00 | - | - | -26.00 | -26.00 | -23.00 |
| Interest Paid | -17.00 | -12.00 | -9.00 | -6.00 | -3.00 | -7.00 | - | - |
| Net Cash Flow | -231.00 | -501.00 | 401.00 | -3.00 | 152.00 | -365.00 | 469.00 | -33.00 |
| Other Cash Financing Items Paid | -28.00 | -26.00 | -12.00 | -12.00 | -12.00 | -12.00 | - | 626.00 |
| Other Cash Investing Items Paid | -15.00 | -246.00 | 1.00 | - | 85.00 | -116.00 | -81.00 | -31.00 |
| Other Cash Operating Items Paid | 30.00 | - | - | - | - | 11.00 | - | - |
| Profit From Operations | 1,479 | 1,474 | 920.00 | 643.00 | 747.00 | 641.00 | 746.00 | 644.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Poonawalla | 2025-09-30 | - | 10.56 | 12.28 | 12.58 | 0.62 |
| Poonawalla | 2025-06-30 | - | 10.76 | 12.26 | 13.86 | 0.65 |
| Poonawalla | 2025-03-31 | - | 9.99 | 11.12 | 15.71 | 0.65 |
| Poonawalla | 2024-12-31 | - | 8.19 | 11.82 | 16.98 | 0.65 |
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