| Management target | AUM 40.0% Next couple of years |
|---|
| Margins | NIM includes fees; ROA improved to 2.18% from 1.98% QoQ. |
|---|---|
| Demand visibility | Strong across retail products; new products contribute 18% to total AUM. |
| Management confidence | High; focusing on 'Scale' phase from FY27 onwards. |
Growth
NII grew 75.6% YoY to ₹1,589 Cr. PAT jumped 405.2% YoY. AUM grew 10.4% QoQ.
Outlook
Aims for 35-40% AUM CAGR over next couple of years; scaling priority businesses like Gold Loans and Consumer Durables.
Risks
Potential interest rate volatility and economic shifts in India noted; gross NPA remains low at 1.20%.
Last quarter's promises, checked
Delivered
- ROA Guidance June exit 2028 @ 3.0% → delivered Q2FY27 @ 2.18% (= BEAT)
- Guided 400 branches for Gold Loans in FY27 → delivered 550 branches (= BEAT)
- AUM target for Q1FY27 ₹67,054 Cr → delivered Q2FY27 ₹74,008 Cr (= BEAT)
Partly delivered
- Guided 50-50 Secured/Unsecured mix → delivered 53% Secured (= PARTIAL)
Investor Presentation filed with NSE, NSE: POONAWALLA. Summary written with AI assistance from the document.
Poonawalla Fincorp Ltd: key numbers
- Share price
- ₹403.25
- Market cap
- ₹35,510 Cr
- Revenue (annual)
- ₹6,790 Cr
- Net profit (annual)
- ₹541.8 Cr
- P/E (TTM)
- 32.6×Sector 19.7×
- 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.
More from Poonawalla Fincorp Ltd
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- Value
- ₹2,000 Cr
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Poonawalla Fincorp Debt & Borrowing
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Poonawalla Fincorp demonstrates a structural inflection point, shifting from high-growth experimentation to sustainable profitability driven by margin expansion, AI-led efficiency, and improving credit quality.
Poonawalla Fincorp Other Announcement
Poonawalla Fincorp submitted its Asset Liability Management (ALM) statement for the quarter and half year ended September 30, 2026, pursuant to SEBI regulatory requirements.