Poonawalla Fin Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management said on revenue, margins and capex.
- Revenue
- ₹1,166Cr
- +27.4% YoY
- +10.3% QoQ
- Net profit
- ₹62Cr
- −81.3% YoY
- +226.3% QoQ
Guidance rank: #3 of 67 in Finance
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The short version
Strong AUM growth momentum with 42.5% YoY and 15% QoQ increase, expected to continue robustly quarter-on-quarter (Page 15). Profit guidance for FY26-27 is clear and strong, based on lower operating expenses (opex) and improving credit costs.
From Poonawalla Fin's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Strong AUM growth momentum with 42.5% YoY and 15% QoQ increase, expected to continue robustly quarter-on-quarter (Page 15).
- Focus on diversification across 6 new businesses and 400 new branches to drive sustained growth (Page 20).
- Digital lending and 24x7 product offerings are gaining traction, expected to drive incremental business monthly (Page 20).
- Operating expenses expected to rise slightly for next two quarters but then taper down, improving operational efficiency by FY26 (Page 19-20).
- Profit guidance for FY26-27 remains clear and strong, backed by lower opex and improving credit cost (Page 19).
2 more points from Poonawalla Fin's call on revenue
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Profitability & Margins
Profit guidance for FY26-27 is clear and strong, based on lower operating expenses (opex) and improving…
Locked: what Poonawalla Fin said on margins
Also locked on this page: fundraising, order book
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Capital Expenditure Plans
- Poonawalla Fincorp is investing in digital journeys and advanced AI-based tools across credit underwriting, debt management, audit, marketing, and collections to improve operational efficiency and risk management.
- Capital expenditure includes launching 400 new gold loan branches and setting up presence in new business verticals like consumer durables (targeting 10,000-12,000 dealer points), education loans (expanding consultant network), and shopkeeper loans (operational in 44 locations).
- A significant capital raise via ₹1,525 crores through NCD issuance in April 2025 aimed at increasing long-term borrowings (NCDs now 12% of total borrowings).
- Plans for further fundraise early next year to support strong growth momentum.
2 more points from Poonawalla Fin's call on capex
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Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
The company recently raised ₹1,525 crores through NCDs (Non-Convertible Debentures) in April 2025,…
Locked: what Poonawalla Fin said on fundraising
Also locked on this page: margins, order book
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Order Book & Pipeline
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What Poonawalla Fin's management said in earlier quarters
- Q2 FY27 earnings call analysis →
- Q1 FY27 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
Earlier calls (2)
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Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- 3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were Poonawalla Fin Q4 FY25 results?
Strong AUM growth momentum with 42.5% YoY and 15% QoQ increase, expected to continue robustly quarter-on-quarter (Page 15). Profit guidance for FY26-27 is clear and strong, based on lower operating expenses (opex) and improving credit costs.
What is Poonawalla Fin share price analysis?
Poonawalla Fin currently shows a neutral. The stock trades at a P/E of 55.7 with a market cap of ₹43,841 Cr. Investors should review the full earnings analysis for detailed insights.
Is Poonawalla Fin planning capital expenditure?
Poonawalla Fincorp is investing in digital journeys and advanced AI-based tools across credit underwriting, debt management, audit, marketing, and collections to improve operational efficiency and risk management.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.