ALFA Finder| Management target | AUM 40.0% next couple of years |
|---|
| Margins | RoA improved to 1.98%; Opex to Avg AUM ratio improved to 4.06%. |
|---|---|
| Demand visibility | Strong retail product momentum; new products contribute 16% of AUM. |
Growth
AUM grew 62.5% YoY to ₹67,054 Cr. NII increased 84.3% YoY to ₹1,415 Cr. PAT surged 391.5% YoY.
Outlook
Management seeks to maintain AUM growth at 35-40% CAGR. Focus on scaling consumer durable franchise and digital business loans.
Risks
Modest uptick in cost of borrowing due to geopolitical and interest rate environment; current energy crisis monitored for CV segment.
Last quarter's promises, checked
Delivered
- Restore 9% NIM in 3-4 quarters → delivered 9.05% in 3 quarters (= BEAT)
- Operationalize 400 gold branches by March → delivered 400 branches (= BEAT)
- Onboard 12,000 retail outlets for durables → delivered 12,500+ (= BEAT)
Partly delivered
- AUM growth guidance 35-40% → delivered 62.5% (= BEAT/OVERSHOT)
- Opex-to-AUM target lower than 4.13% → delivered 4.06% (= BEAT)
Earnings Call filed with BSE, NSE: POONAWALLA. Summary written with AI assistance from the document.
Poonawalla Fincorp Ltd: key numbers
- Share price
- ₹485.95
- Market cap
- ₹42,794 Cr
- Revenue (annual)
- ₹6,790 Cr
- Net profit (annual)
- ₹541.8 Cr
- P/E (TTM)
- 39.4×Sector 20.8×
- Promoter holding
- 59.01%-0.01% QoQ
- FII holding
- 11.64%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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