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Earnings Call

Poonawalla Fincorp Earnings Call: Key Takeaways

Poonawalla Fincorp Q4FY26 results show robust growth with AUM at ₹60,348 Cr and PAT at ₹255 Cr. Strategy focuses on retail products and digital-first scaling.

Highlights
Revenue growthNII grew 78.5% YoY to ₹1,276 Cr.
MarginsNIM included in NII growth; Cost to Income improved to 45.6%.
Demand visibilityStrong traction in new products like Gold and Personal loans.
Management confidenceHigh; aiming for 35-40% AUM CAGR.

Growth

AUM grew 69.4% YoY; NII up 78.5% YoY; PAT surged 69.6% QoQ to ₹255 Cr.

Outlook

Aspiration for 5-6x AUM growth over next 5 years; target 35-40% AUM CAGR; scaling consumer durables.

Risks

Asset quality monitoring (GNPA 1.44%) and potential interest rate volatility are ongoing considerations.

Source

Earnings Call filed with NSE, NSE: POONAWALLA. Summary written with AI assistance from the document.

Read the document ↗

Poonawalla Fincorp Ltd: key numbers

Share price
₹461.55
Market cap
₹40,644 Cr
Revenue (annual)
₹6,790 Cr
Net profit (annual)
₹541.8 Cr
P/E (TTM)
51.6×Sector 22.0×
Promoter holding
59.02%-4.91% QoQ
FII holding
10.96%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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13:44 IST BSE
Debt & Borrowing

Poonawalla Fincorp Debt & Borrowing

Poonawalla Fincorp Limited has fixed monthly record dates and payment schedules for interest on its debentures (ISIN: INE511C07706). Payments are scheduled from October 2026 through April 2027.

19:10 IST BSE
Debt & Borrowing

Poonawalla Fincorp Debt & Borrowing: ₹109.3 Cr

Poonawalla Fincorp confirmed timely interest payment on Non-Convertible Debentures (ISIN: INE511C07912) amounting to ₹109.35 Crore.

Value
₹109.3 Cr
16:37 IST BSE
Employee Stock Options

Poonawalla Fincorp Employee Stock Options

Poonawalla Fincorp Limited allotted 25,992 equity shares to its employees under the Employee Stock Option Scheme, increasing its total paid-up share capital.

12:12 IST BSE
Debt & Borrowing

Poonawalla Fincorp Debt & Borrowing

Poonawalla Fincorp allotted non-convertible debt securities under a reissue of forfeited shares and fund-raising issue. The board approved the allotment on 16 September 2026.

12:08 IST BSE
Debt & Borrowing

Poonawalla Fincorp Debt & Borrowing: ₹850 Cr

Poonawalla Fincorp allotted ₹850 Crore of secured NCDs across two series (E1 Re-Issuance I and F1 FY26-27). The proceeds fund its debt capital structure under Reg 30/51 disclosure.

Value
₹850.0 Cr
19:39 IST BSE
Debt & Borrowing

Poonawalla Fincorp Debt & Borrowing: ₹35.48 Cr

Poonawalla Fincorp paid Rs.35.48 Crore interest on NCDs on September 15, 2026, following a business day convention. No delay occurred in the payment.

Value
₹35.48 Cr