Poonawalla Fin

Q4 FY25Finance

Poonawalla Fin Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹490

Market cap₹43.8K Cr

P/E55.7

Updated23 Aug 2026

Read4 min read

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 management made on revenue & sales performance

Profitability & Margins

Profit guidance for FY26-27 is clear and strong, based on lower operating expenses (opex) and improving credit costs.
Opex is expected to be higher for the next 2 quarters but should taper down by Q4 FY25, leading to operational efficiencies and scalability.
The company aims to improve efficiency every year, targeting a declining opex-to-AUM ratio over time.
Credit costs have reduced significantly, and write-offs have come down in Q4 FY25, suggesting stabilizing asset quality.
ROA is expected to improve gradually, with guidance of 3%-3.5% over 3 years, driven by calibrated risk and diversified portfolios.

2 more points management made on profitability & margins

See what Poonawalla Fin said on profitability & margins — free account, 30 seconds.

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 management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

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, subscribed by top 5 mutual funds and a bank, increasing NCD contribution to 12% of total borrowings.
The debt strategy focuses on raising long-term funds primarily through NCDs over the next 3 to 5 years to support growth.
The share of long-term borrowings is expected to improve further with more focus on NCDs.
On capital adequacy, after consuming around 1,100 bps capital during the year, the current capital adequacy stands at about 22%.

2 more points management made on fundraising & capital structure

See what Poonawalla Fin said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided document does not contain specific information or data regarding the current or expected order book or pending orders for Poonawalla Fincorp Limited. The content primarily focuses on financial performance, business growth, risk management, operational expenses, technology adoption, product distribution, and credit quality. There is no mention of order books or pending orders in the transcript or financial commentary on page 21 or the surrounding pages. If you have a different document or a specific section in mind, please share, and I can help extract relevant details.

What Poonawalla Fincorp Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Poonawalla Fin Q4 FY25 results?

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.