| Revenue growth | Net interest income up 12.3% QoQ; AUM up 10.4% QoQ retail-led. |
|---|---|
| Margins | Structural expansion; NIM plus fees reached 9.26%, up 16 bps QoQ. |
| Demand visibility | Strong retail demand, particularly in personal, gold, and education loan segments. |
| Management confidence | Highly confident, emphasizing 'structural' gains over cyclical or temporary tailwinds. |
Growth
AUM grew 10.4% QoQ to ₹74,008 Cr; NIM+Fees expanded 16 bps to 9.26%, fueled by high-yield retail products.
Outlook
Management targets 35-40% AUM CAGR and aims for ROAs exceeding 2.5% by FY28 through cross-sell and operating leverage.
Risks
Potential margin pressure from rising borrowing costs (up 4 bps QoQ) and regulatory changes to insurance commission structures.
Last quarter's promises, checked
Delivered
- Guided ~400 branch additions in FY27 → delivered 90 branches in Q1 (= BEAT)
- Guided structural opex/AUM reduction → delivered 4.06% from 4.13% (= BEAT)
- Guided 50-50 secured/unsecured mix → maintained structural balance (= BEAT)
Partly delivered
- Guided June 2028 ROA exit of 3.0-3.5% → delivered 1.98% (= PARTIAL)
Missed
- Guided 10-25 bps opex/AUM fluctuation upside → delivered stable improvement (= MISS)
Earnings Call Transcript 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
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