Poonawalla Fincorp Ltd
NSE:POONAWALLA
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Intrinsic Value
The intrinsic value of one POONAWALLA stock under the Base Case scenario is 429.44 INR. Compared to the current market price of 355.65 INR, Poonawalla Fincorp Ltd is Undervalued by 17%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Poonawalla Fincorp Ltd
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Fundamental Analysis
Economic Moat
Poonawalla Fincorp Ltd
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Revenue & Expenses Breakdown
Poonawalla Fincorp Ltd
Balance Sheet Decomposition
Poonawalla Fincorp Ltd
Current Assets | 1.4B |
Cash & Short-Term Investments | 1.4B |
Non-Current Assets | 268.6B |
Long-Term Investments | 12.4B |
PP&E | 2.1B |
Intangibles | 173.4m |
Other Non-Current Assets | 254B |
Current Liabilities | 34.5m |
Accounts Payable | 28.4m |
Other Current Liabilities | 6.1m |
Non-Current Liabilities | 189.3B |
Long-Term Debt | 182.9B |
Other Non-Current Liabilities | 6.4B |
Earnings Waterfall
Poonawalla Fincorp Ltd
Revenue
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36.4B
INR
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Cost of Revenue
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-11.8B
INR
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Gross Profit
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24.7B
INR
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Operating Expenses
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-12.1B
INR
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Operating Income
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12.6B
INR
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Other Expenses
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-8.4B
INR
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Net Income
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4.2B
INR
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Free Cash Flow Analysis
Poonawalla Fincorp Ltd
INR | |
Free Cash Flow | INR |
Poonawalla Fincorp reported a 40% year-on-year increase in assets under management (AUM), totaling INR 28,396 crores, despite a recalibration in its high-risk STPL portfolio. The company is implementing a growth strategy focused on expanding its product offerings, with plans to launch six new businesses by fiscal Q1 2026. This includes products like gold loans and consumer durables, aiming for a 30-40% AUM growth over the next five years. Management has increased provisions to INR 666 crores this quarter, reinforcing its commitment to risk management. Operational efficiency measures are also in place, with ongoing investments of INR 50 crores per quarter for the next six quarters.
What is Earnings Call?
POONAWALLA Profitability Score
Profitability Due Diligence
Poonawalla Fincorp Ltd's profitability score is 56/100. The higher the profitability score, the more profitable the company is.
Score
Poonawalla Fincorp Ltd's profitability score is 56/100. The higher the profitability score, the more profitable the company is.
POONAWALLA Solvency Score
Solvency Due Diligence
Poonawalla Fincorp Ltd's solvency score is 56/100. The higher the solvency score, the more solvent the company is.
Score
Poonawalla Fincorp Ltd's solvency score is 56/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
POONAWALLA Price Targets Summary
Poonawalla Fincorp Ltd
According to Wall Street analysts, the average 1-year price target for POONAWALLA is 384.54 INR with a low forecast of 272.7 INR and a high forecast of 567 INR.
Dividends
Current shareholder yield for POONAWALLA is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
POONAWALLA Insider Trading
Buy and sell transactions by insiders
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Profile
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Description
Poonawalla Fincorp Ltd. operates as a non-banking finance company. The company is headquartered in Pune, Maharashtra and currently employs 5,184 full-time employees. The company went IPO on 2005-08-12. The firm is engaged primarily in the business of financing. The company provides asset finance through its pan India branch network. The firm's business focusses on the necessities of people and enable them to earn their livelihood through financial products offered by it to the micro, small and medium enterprise (MSMEs), such as truck/taxi drivers who owns and operates commercial vehicles, construction equipment and passenger vehicles, among others to marginal farmers, small shopkeepers and other MSMEs. The products offered by the Company include business loan, professional loan, personal loan, home loan, loan against property, pre-owned car loan, medical equipment loan, insurance and auto lease. The Company, through Magma HDI General Insurance Company Limited, offers motor insurance, liability insurance, fire insurance, engineering insurance and marine insurance, among others.
Contact
IPO
Employees
Officers
The intrinsic value of one POONAWALLA stock under the Base Case scenario is 429.44 INR.
Compared to the current market price of 355.65 INR, Poonawalla Fincorp Ltd is Undervalued by 17%.