Poonawalla Fincorp Ltd Q1 FY27 Share Price & Earnings Call Analysis

Financials of Poonawalla Fincorp Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Poonawalla Fincorp Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +5776937397639159789891,0571,1661,3141,5421,8182,115
Interest173230216224281320352385458546638739844
Expenses +1521942071782412721,260632615662784855910
Financing Profit251269316361393386-6224093105121224362
Financing Margin %44%39%43%47%43%39%-63%4%8%8%8%12%17%
Other Income +2340829117188070005
Depreciation19151515141516152022222426
Profit before tax2542931,130357385390-63025808399200341
Tax %22%23%24%26%14%25%-25%26%22%25%25%25%25%
Net Profit +199226860265332292-47119626374150255
EPS in Rs2.582.9411.193.454.283.76-6.060.240.800.800.911.853.13
Gross NPA %
Net NPA %

Financials of Poonawalla Fincorp Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +2,5342,6562,5242,2902,4572,5132,3191,5402,1775,4184,1906,790
Interest1,2331,1921,1311,1171,1221,2941,1005095959501,5152,767
Expenses +1,0681,1471,3418728801,1121,9506238388802,7783,211
Financing Profit23331852301454107-7314087443,588-103812
Financing Margin %9%12%2%13%18%4%-32%26%34%66%-2%12%
Other Income +25284339384939109184-1,363335
Depreciation353948495075564961596594
Profit before tax2233064729144282-7494688662,166-135724
Tax %16%30%73%19%31%67%-25%20%21%22%-27%25%
Net Profit +1872131323730427-5593756851,683-98542
EPS in Rs9.498.930.869.9911.291.00-20.734.908.9121.73-1.266.67
Dividend Payout %8%9%93%8%7%0%0%8%22%9%0%0%

Financials of Poonawalla Fincorp Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital38474747545454153154154155162
Reserves1,6172,1042,1251,9252,6902,6942,1405,9036,7088,0138,02010,187
Borrowing11,75611,85910,07512,12713,13312,04710,4759,97311,20915,21626,08148,436
Other Liabilities +1,4721,5151,3757969124455434135,1507047741,488
Total Liabilities14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272
Fixed Assets +212265278207199242196214222194244427
CWIP91381470050100
Investments41440054614014115117705108781,3422,490
Other Assets +14,24814,84612,79014,54616,44514,84112,83916,22822,48423,01433,43457,354
Total Assets14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,272

Financials of Poonawalla Fincorp Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-3057332,949390-9239981,644-2,873-5,064-7,556-10,569-21,786
Cash from Investing Activity +-36-254-186-36-98-28181-33-2832,725-482-1,340
Cash from Financing Activity +171-498-2,844-3871,490-1,083-1,5742,9035,7484,33110,82123,387
Net Cash Flow-169-20-81-33469-365152-3401-501-231261
Free Cash Flow-3057332,949371-9699491,633-2,912-5,132-7,548-10,597-21,874
CFO/OP-21%49%249%35%-56%71%447%-308%-374%-152%-749%-607%

Financials of Poonawalla Fincorp Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%11%1%11%13%1%-23%6%7%14%-1%6%