ALFA Finder| 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
- ₹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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