Poonawalla Fincorp Ltd
NSE:POONAWALLA

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Poonawalla Fincorp Ltd
NSE:POONAWALLA
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Price: 355.65 INR -1.26% Market Closed
Market Cap: 276.6B INR
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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:

POONAWALLA Intrinsic Value
429.44 INR
Undervaluation 17%
Intrinsic Value
Price
Base Case Scenario

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Poonawalla Fincorp Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Poonawalla Fincorp Ltd

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

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
Efficiency

Earnings Waterfall
Poonawalla Fincorp Ltd

Revenue
36.4B INR
Cost of Revenue
-11.8B INR
Gross Profit
24.7B INR
Operating Expenses
-12.1B INR
Operating Income
12.6B INR
Other Expenses
-8.4B INR
Net Income
4.2B INR

Free Cash Flow Analysis
Poonawalla Fincorp Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

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?
Fundamental Scores

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.

Positive Gross Profit
Positive Operating Income
Positive Net Income
Exceptional 1-Year Revenue Growth
56/100
Profitability
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.

High Interest Coverage
Short-Term Solvency
Long-Term Solvency
High D/E
56/100
Solvency
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

Wall Street analysts forecast POONAWALLA stock price to rise over the next 12 months.

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.

Lowest
Price Target
272.7 INR
23% Downside
Average
Price Target
384.54 INR
8% Upside
Highest
Price Target
567 INR
59% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
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Safe
0
25
50
75
100
Shareholder Yield

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?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Highest
Debt Paydown Yield
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Ownership

POONAWALLA Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Poonawalla Fincorp Ltd Logo
Poonawalla Fincorp Ltd

Country

India

Industry

Financial Services

Market Cap

276.6B INR

Dividend Yield

0.56%

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

MAHARASHTRA
Pune
601, 6th Floor, Zero One IT Park, Sr. No. 79/1, Ghorpadi, Mundhwa Road
+912067808090
poonawallafincorp.com

IPO

2005-08-12

Employees

5 184

Officers

Chief Financial Officer
Mr. Sanjay Kumar Miranka
Executive Director
Mr. Sunil Samdani
Company Secretary
Ms. Shabnum Zaman
MD, CEO & Director
Mr. Arvind Kapil
Chief Information Officer
Mr. Atul Garg
Chief Compliance Officer
Mr. Sumit Talreja
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Chief Human Resource Officer
Mr. Harsh Kumar B.E.
National Business Head of Asset Backed Finance
Sanjiv Jha
Head of Analytics
Mr. Rashmi Prasad
Chief Credit & Analytics Officer
Mr. Shriram Viswanathan Iyer
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See Also

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What is the Intrinsic Value of one POONAWALLA stock?

The intrinsic value of one POONAWALLA stock under the Base Case scenario is 429.44 INR.

Is POONAWALLA stock undervalued or overvalued?

Compared to the current market price of 355.65 INR, Poonawalla Fincorp Ltd is Undervalued by 17%.

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