Piramal Finance Ltd

Q2 FY27

Piramal Finance Q2 FY27 investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹1,975

Market cap₹46.7K Cr

P/E104.1

Updated16 Oct 2026

Read4 min read

Based on Piramal Finance Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Total Income for Q1 FY27: $178 Mn, up 37% YoY (Q1 FY26: $130 Mn). EBITDA / Pre-provision Operating Profit (PPOP): $85 million in Q1 FY27, up 89% YoY from $45 million in Q1 FY26 (Page 56).

From Piramal Finance Ltd's Q2 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Total Income for Q1 FY27: $178 Mn, up 37% YoY (Q1 FY26: $130 Mn).
Interest Income Q1 FY27: $335 Mn, up 27% YoY (Q1 FY26: $264 Mn).
Fee & Commission Income: $13 Mn, up 11% YoY.
Other Income: $26 Mn, up 10% YoY.
Operating Expenses: $94 Mn, up 10% YoY.
Profit Before Tax: $46.6 Mn, up 47% YoY.
Net Profit: $47 Mn, up 47% YoY.
AUM Growth: +25% YoY.
Disbursements via voice AI in Q1 FY27: $3.47 Mn.
Hands-free collections monthly: increased from $8.84 Mn (Q1 FY26) to $107.26 Mn (Q1 FY27).

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Profitability & Margins

EBITDA / Pre-provision Operating Profit (PPOP): $85 million in Q1 FY27, up 89% YoY from $45 million in Q1 FY26 (Page 56).
Operating Margin / Opex: Operating expenses of $94 million in Q1 FY27, a 10% increase YoY (Page 56). Opex ratio has entered the guided range and continues to fall, with a note of a 25 bps reduction in Opex guidance (Page 20).
Profit After Tax (PAT): $47 million in Q1 FY27, up 47% YoY from $32 million in Q1 FY26 (Page 56).
Margin Outlook: The presentation mentions targeting continued operating leverage and falling opex as % of loans, with a view to stabilize/improve margins; specific margin targets are reflected in long-range goals, e.g., NIM and RoAUM progress (Pages 48, 49, 50), but no explicit margin forecast for EBITDA or PAT margins is stated.

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Capital Expenditure Plans

The investor presentation does not explicitly mention any capex, capacity expansion, or new plant/project details including amounts, status, or timelines. The focus is primarily on: - Growth through diversified lending businesses (Retail Lending, Wholesale 2.0). - Technology-led initiatives such as launching mobile apps, API stacks, KYC platform, and Credit Policy Engine as part of the tech strategy. - Building robust infrastructure with High Tech + High Touch approach for underwriting, appraisal, and collections.

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Fundraising & Capital Structure

The presentation highlights a strong promoter group with demonstrated ability to raise equity and debt across market cycles (Pages 4, 59).
The management team is experienced in scaling business platforms, underpinning growth (Pages 4, 59).
Borrowings data as of June 2026 show gross debt of $8,668 Mn, up from $6,893 Mn in March 2025, indicating increased borrowing (Page 55).
Debt to Equity ratio increased from 2.4x in March 2025 to 2.8x in June 2026, reflecting higher leverage (Page 55).
Borrowing diversification includes ~40 banking relationships across PSU, private, and foreign banks, with instruments such as loans, NCDs/bonds, CP, ECB, and securitization (Page 53).

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Order Book & Pipeline

The presentation "799.pdf" does not explicitly provide specific data or figures on the order book, order inflow, or pending orders. It primarily focuses on: - Business overview and growth strategies - Financial summary and credit highlights - Use of AI technologies in operations (Piramal.ai dashboard) - Retail and Wholesale 2.0 lending businesses - Transition to a retail-led approach with High Tech + High Touch model

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Piramal Finance Ltd — Quarterly revenue & net profit

Revenue Net profit

Jun 2025Q1 FY26

Sep 2025Q2 FY26

Dec 2025Q3 FY26

Mar 2026Q4 FY26

Jun 2026Q1 FY27

Sep 2026Q2 FY27

Reported quarterly figures (₹ Cr). Latest (Q2 FY27): revenue ₹3.7K Cr, net profit ₹545 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.

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What Piramal Finance.'s management said in earlier quarters

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Frequently Asked Questions

What were Piramal Finance Ltd Q2 FY27 results?

Total Income for Q1 FY27: $178 Mn, up 37% YoY (Q1 FY26: $130 Mn). EBITDA / Pre-provision Operating Profit (PPOP): $85 million in Q1 FY27, up 89% YoY from $45 million in Q1 FY26 (Page 56).

What is Piramal Finance Ltd share price analysis?

Piramal Finance Ltd currently shows a neutral. The stock trades at a P/E of 104.1 with a market cap of ₹46,727 Cr. Investors should review the full earnings analysis for detailed insights.

Is Piramal Finance Ltd planning capital expenditure?

The investor presentation does not explicitly mention any capex, capacity expansion, or new plant/project details including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Fundraising & Capital Structure

Order Book & Pipeline

Piramal Finance Ltd — Quarterly revenue & net profit

Continue your research

What Piramal Finance.'s management said in earlier quarters

Others in Finance this season

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Frequently Asked Questions

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