Arthneeti

Poonawalla Fincorp Q2 FY27 Share Price & Earnings Call Analysis

Part of: Nifty Smallcap 250 · Nifty Smallcap 50 · NIFTY Smallcap 100 · Nifty MidSmallcap 400 · Nifty 500 · Nifty Total Market

₹484.80-1.66% today
Market cap
₹42,674 Cr
P/E
39.24
ROE
5.86%
PEG
8.29
Price to sales
4.80
Debt to equity
4.31
52W high / low
₹503 / ₹368
Sales growth (5Y)
23.97%
EBITDA margin
57.33%
Net profit margin
8.00%
Promoter holding
59.01%
Sales (last year)
₹8,889 Cr

Guidance scorecard · Q2 FY27 call

What Poonawalla Fin's management guided
and where it ranks in Finance

#3of 67 in
Finance
Revenue40%+MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ2 FY27 call

40%+
  • AUM grew strongly by 10.4% quarter-on-quarter to ₹74,008 crore, driven by retail products, indicating sustained growth momentum.
  • Targeting 35%-40% AUM CAGR over the next couple of years, showing optimism for continued high growth.
  • Expansion in product lines like gold loans, commercial vehicles, education loans, and consumer durables supports broad-based growth.
  • New products contribute 28% to disbursements, with ongoing investments in new branches and digital channels expected to further scale volumes.
  • Cross-sell engine is beginning to drive operating leverage and higher product per customer over time, expected to compound growth.
  • Digital adoption noted, with instant and prime personal loans growing rapidly, supporting efficient scaling.

2 more points from Poonawalla Fin's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

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

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • Continued investments in consumer durable and the customer franchise aiming for compounding effect on cross-sell over 1-2 years.
  • Ongoing investments in collections and AI for structural credit cost improvement and operating leverage.
  • Investment in launching 300-400 gold branches annually, with gold branches expected to break even in ~13 months.
  • Investments in new businesses including consumer durable products, education loans, and personal loans (both physical and digital).
  • Continued investments in digital journeys to enhance operating leverage and reduce cost structures versus physical distribution.
  • Strategic investments in branch expansion and technology to build a sustainable and profitable model.

2 more points from Poonawalla Fin's call on capex

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Full Q2 FY27 analysis

FundraisingQ2 FY27 call

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

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Rising

Ask what Poonawalla Fin said on the order book →

Full Q2 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. This stockPoonawalla FinStrong growth
    3
See all potential multibaggersAll Finance rankings

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,826 Cr59.9
240%+Up 2%+₹844 Cr—
3Poonawalla FinThis stock40%+Flat₹41,424 Cr38.1
440%+Flat₹16,712 Cr—
540%+Flat₹7,256 Cr19.1
640%+Flat₹948 Cr28.6

Sign up free to see every company in the sector ranking and track Poonawalla Fin.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Poonawalla Fin announcements

All announcements →

Financials of Poonawalla Fin

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

Shareholder Pattern

Poonawalla Fin

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +62.07%62.13%62.09%61.87%62.36%62.53%62.46%63.96%63.95%63.93%59.02%59.01%
FIIs +7.79%7.76%7.85%7.72%8.19%9.99%10.76%10.56%10.61%10.21%10.96%11.64%
DIIs +5.58%5.81%6.77%9.63%11.82%11.12%12.26%12.28%12.22%12.14%16.74%17.15%
Public +24.57%23.79%22.64%20.12%16.98%15.71%13.86%12.58%12.62%13.15%12.75%12.20%
Others +0.00%0.52%0.66%0.65%0.65%0.65%0.65%0.62%0.59%0.59%0.53%0.00%
No. of Shareholders1,95,3342,03,2442,32,4212,65,6502,60,6562,48,8702,09,2091,96,5981,91,5081,86,8631,90,4841,81,197

Financials of Poonawalla Fin

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +7397639159789891,0571,1661,3141,5421,8182,1152,3302,624
YoY Revenue growth+62%+53%+59%+41%+34%+39%+27%+34%+56%+72%+81%+77%+70%
Interest2162242813203523854585466387398449221,035
Expenses +2071782412721,2606326156627848559109741,054
Financing Profit316361393386-6224093105121224362435535
Financing Margin %43%47%43%39%-63%4%8%8%8%12%17%19%20%
Other Income +82911718807000570
Depreciation15151415161520222224263034
Profit before tax1,130357385390-63025808399200341411501
Tax %24%26%14%25%-25%26%22%25%25%25%25%25%25%
Net Profit +860265332292-47119626374150255308375
EPS in Rs11.193.454.283.76-6.060.240.800.800.911.853.133.494.26
Gross NPA %
Net NPA %

Financials of Poonawalla Fin

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +2,5342,6562,5242,2902,4572,5132,3191,5402,1775,4184,1906,7908,889
Revenue growth+15%+5%-5%-9%+7%+2%-8%-34%+41%+149%-23%+62%+75%
Interest1,2331,1921,1311,1171,1221,2941,1005095959501,5152,7673,540
Expenses +1,0681,1471,3418728801,1121,9506238388802,7783,2103,792
Financing Profit23331852301454107-7314087443,588-1038141,556
Financing Margin %9%12%2%13%18%4%-32%26%34%66%-2%12%18%
Other Income +25284339384939109184-1,36333412
Depreciation353948495075564961596594115
Profit before tax2233064729144282-7494688662,166-1357241,454
Tax %16%30%73%19%31%67%-25%20%21%22%-27%25%
Net Profit +1872131323730427-5593756851,683-985421,088
EPS in Rs9.498.930.869.9911.291.00-20.734.908.9121.73-1.266.6712.73
Dividend Payout %8%9%93%8%7%0%0%8%22%9%0%0%

Financials of Poonawalla Fin

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital38474747545454153154154155162176
Reserves1,6172,1042,1251,9252,6902,6942,1405,9036,7088,0138,02010,18713,578
Borrowing11,75611,85910,07512,12713,13312,04710,4759,97311,20915,21626,08148,43659,309
Other Liabilities +1,4721,5151,3757969124455434135,1507047741,4881,521
Total Liabilities14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,27274,584
Fixed Assets +212265278207199242196214222194244420567
CWIP913814700501070
Investments41440054614014115117703118781,3422,4903,078
Other Assets +14,24814,84612,79014,54616,44514,84112,83916,22822,68423,01433,43457,35470,939
Total Assets14,88215,52513,62214,89416,78915,24013,21216,44323,22124,08735,03060,27274,584

Financials of Poonawalla Fin

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 +-3057332,949390-9239981,644-2,873-5,237-7,556-10,569-21,786
Cash from Investing Activity +-36-254-186-36-98-28181-33-1102,725-482-1,340
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-3057332,949371-9699491,633-2,912-5,305-7,548-10,597-21,887

Financials of Poonawalla Fin

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%

Guidance history

How Poonawalla Fin's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →40%+FlatPlanned—Rising
Q1 FY27 call →40%+FlatPlannedPlannedRising
Q4 FY26 call →20–40%FlatPlannedPlanned—
Q3 FY26 call →40%+FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

59out of 100

Momentum score · price trend

59 out of 100 — Steady

Over the past year its share price has moved roughly in the middle of the stocks we track.

PeriodShare price changeBetter than … of 1,937 stocks
Last 12 months+1.2%55%
Last 6 months+17.3%68%
Last 3 months−2.6%52%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,937 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Poonawalla Fin: 0.4 × 55 + 0.4 × 68 + 0.2 × 52 = 59.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 13 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Poonawalla Fin's management said in earlier quarters

Earlier calls (2)

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