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Poonawalla Fin Q2 FY27 results are out (Jul–Sep 2026) →Revenue ₹2,624 Cr +70.2% YoYSee revenue, profit and what management said. You are viewing Q4 FY26.
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Poonawalla Fin

Q4 FY26Finance

Poonawalla Fin Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Revenue
₹2,115Cr
+81.4% YoY
+16.3% QoQ
Net profit
₹255Cr
+311.3% YoY
+70% QoQ
Price₹490
Market cap₹43.8K Cr
P/E55.7

The short version

Assets Under Management (AUM) growth guidance for FY27 is targeted at 35-40%, potentially exceeding this depending on external environment. ROA has improved to 1.81% in Q4 FY26 from 0.78% in March 2025; expected to move strength-to-strength over the next few quarters/years.

From Poonawalla Fin's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Assets Under Management (AUM) growth guidance for FY27 is targeted at 35-40%, potentially exceeding this depending on external environment.
  • Disbursements expected to align with AUM growth, sustaining a balance around 35-40%.
  • Net Interest Income (NII) showed strong growth: ₹4,029 crores in FY26 (49% YoY increase), expected to continue growing with business scale.
  • Digital disbursements (e.g., personal loans) are expanding rapidly, with plans to increase digital share from 30-40%, enhancing scalability and cost-efficiency.
  • Consumer durable customer base aimed to at least double in FY27 to strengthen acquisition funnel.

2 more points from Poonawalla Fin's call on revenue

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Profitability & Margins

ROA has improved to 1.81% in Q4 FY26 from 0.78% in March 2025; expected to move strength-to-strength over…

Locked: what Poonawalla Fin said on margins

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Capital Expenditure Plans

  • The company is making significant investments in new businesses, branches, AI, and technology while maintaining robust profits.
  • Investments are building a more profitable moat for the future, focusing on dual engines: operational fortification (collections, technology, core execution) and market expansion (gold branches, consumer durable segments).
  • AI and digital investments include 42 out of 76 AI projects live, aiming to improve productivity, predictive underwriting, sharper decisioning, and cross-sell acceleration.
  • Investments include building an AI-led intelligence layer and tech-enabled collection systems for scalability.
  • Expansion plans include doubling the consumer durable customer count over FY27 and continuing to open dedicated gold loan branches.

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

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Max India Ltd
Rev 1Mar 1
3
Rev 1Mar 3
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

In April 2026, Poonawalla Fincorp successfully raised ₹2,500 crores through a Qualified Institutional…

Locked: what Poonawalla Fin said on fundraising

Also locked on this page: margins

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Order Book & Pipeline

The discussion primarily focuses on financial performance, asset quality, technology and AI integration, disbursement metrics, and portfolio strategy.

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What Poonawalla Fin's management said in earlier quarters

Earlier calls (2)

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Frequently Asked Questions

What were Poonawalla Fin Q4 FY26 results?

Assets Under Management (AUM) growth guidance for FY27 is targeted at 35-40%, potentially exceeding this depending on external environment. ROA has improved to 1.81% in Q4 FY26 from 0.78% in March 2025; expected to move strength-to-strength over the next few quarters/years.

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?

The company is making significant investments in new businesses, branches, AI, and technology while maintaining robust profits.

Keep Poonawalla Fin on your radar — track it to get its next earnings analysis in your feed.

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.