| Margins | Disbursement yields expanded by 50 bps; NIMs up to 9.10%. |
|---|---|
| Demand visibility | Strong momentum in Prime Personal, Gold, and Education loans. |
| Management confidence | High; citing structural strength in NIMs, credit costs, and AI efficiencies. |
Growth
AUM reached ₹67,054 crore; NIMs improved to 9.10%. PAT grew 391.5% YoY. New products contributed 26% of disbursements.
Outlook
Management reiterated guidance of 3% to 3.5% ROA by June exit of 2028. Continued branch expansion planned for FY27.
Risks
Potential 10-25 bps opex-to-AUM fluctuations due to branch expansion investments and geopolitical impacts on borrowing costs.
Last quarter's promises, checked
Delivered
- Restore 9% NIM in 3-4 quarters → Delivered 9.05% in 3 quarters (= BEAT)
- Commitment to open 400 gold branches → Delivered 400 branches (= BEAT)
- Onboard 12,000 retail outlets for durables → Delivered 12,500+ (= BEAT)
Partly delivered
- Close next FY at lower Opex-to-AUM than 4.13% → Current 4.06% (= PARTIAL/ON-TRACK)
Earnings Call Transcript filed with BSE, NSE: POONAWALLA. Summary written with AI assistance from 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.
More from Poonawalla Fincorp Ltd
All →Poonawalla Fincorp Debt & Borrowing
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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
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Poonawalla Fincorp Debt & Borrowing
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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
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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