Poonawalla Fincorp Ltd

Poonawalla Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Poonawalla Fincorp Ltd

₹ 356 -1.26%
22 Nov - close price
poonawallafincorp.com BSE: 524000 NSE: POONAWALLA
About

Poonawalla Fincorp Limited (erstwhile Magma Fincorp Limited) is a non-deposit taking NBFC registered with RBI. It is engaged in providing consumer and MSME financing, as well as General Insurance services. [1][2]

Key Points

Promoter
As of Sep 2024, the Cyrus Poonawalla group holds a 61.87% stake in the company through Rising Sun Holdings Private Limited (RSHPL). RSHPL is the core investment company of the group, having investments in insurance, retail, pharma, and the financial services segment. RSHPL made an equity infusion of Rs. 3,206 Cr in the company in May 2021. [1] [2]

Website BSE NSE
  • Market Cap ₹ 27,662 Cr.
  • Current Price ₹ 356
  • High / Low ₹ 520 / 270
  • Stock P/E 66.3
  • Book Value ₹ 103
  • Dividend Yield 0.56 %
  • ROCE 11.1 %
  • ROE 15.6 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 32.7% CAGR over last 5 years

Cons

  • Stock is trading at 3.45 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.6% over last 3 years.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -10.6%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE 500 BSE 250 LargeMidCap Index Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 393 387 383 407 455 501 577 699 738 763 915 978 989
Interest 128 124 110 119 144 159 173 235 216 224 281 320 352
158 151 158 164 149 143 152 194 207 178 241 272 1,260
Financing Profit 107 113 115 124 162 199 252 269 316 361 393 386 -622
Financing Margin % 27% 29% 30% 31% 36% 40% 44% 39% 43% 47% 43% 39% -63%
4 7 15 43 26 18 4 14 1,228 11 7 18 8
Depreciation 12 13 14 12 14 16 19 15 15 15 14 15 16
Profit before tax 98 107 117 155 174 201 237 268 1,529 357 385 390 -630
Tax % 25% 25% 24% 20% 25% 25% 24% 25% 18% 26% 14% 25% -25%
74 80 89 124 130 150 181 200 1,259 265 332 292 -471
EPS in Rs 0.97 1.05 1.17 1.62 1.70 1.97 2.35 2.61 16.38 3.45 4.28 3.76 -6.06
Gross NPA % 4.79% 1.77% 3.29% 2.68% 1.77% 1.69% 1.44% 1.42% 1.36% 1.33% 1.16% 0.67% 2.10%
Net NPA % 2.27% 0.94% 1.30% 1.11% 0.94% 0.89% 0.78% 0.76% 0.72% 0.70% 0.59% 0.32% 0.33%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 1,584 1,856 2,030 2,120 1,993 2,063 2,234 2,178 1,849 1,536 2,193 5,827 3,644
Interest 887 1,055 1,061 998 943 1,013 1,018 1,124 875 509 595 955 1,176
503 609 774 836 1,025 800 797 989 1,723 623 607 817 1,951
Financing Profit 194 192 194 286 25 251 419 64 -748 404 990 4,055 517
Financing Margin % 12% 10% 10% 14% 1% 12% 19% 3% -40% 26% 45% 70% 14%
22 20 15 19 34 35 34 41 28 30 -162 -1,457 44
Depreciation 37 33 35 39 48 49 50 72 52 49 61 59 59
Profit before tax 179 178 175 266 11 237 403 34 -773 385 767 2,539 501
Tax % 31% 24% 15% 30% 43% 15% 32% 129% -25% 24% 24% 19%
123 136 149 187 6 201 275 -10 -578 293 585 2,056 417
EPS in Rs 6.46 7.13 7.83 7.90 0.26 8.49 10.22 -0.37 -21.45 3.83 7.62 26.54 5.43
Dividend Payout % 12% 11% 10% 10% 311% 9% 8% 0% 0% 10% 26% 8%
Compounded Sales Growth
10 Years: 12%
5 Years: 21%
3 Years: 47%
TTM: 45%
Compounded Profit Growth
10 Years: 24%
5 Years: 33%
3 Years: 58%
TTM: -53%
Stock Price CAGR
10 Years: 13%
5 Years: 51%
3 Years: 21%
1 Year: -1%
Return on Equity
10 Years: 7%
5 Years: 6%
3 Years: 12%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 38 38 38 47 47 47 54 54 54 153 154 154 155
Reserves 1,136 1,226 1,345 1,984 1,990 1,763 2,502 2,461 1,888 5,562 6,271 7,962 7,861
9,593 8,949 9,821 9,838 8,491 11,098 11,750 10,060 7,949 6,773 11,209 15,216 18,294
975 1,105 1,107 1,039 891 659 682 380 451 322 388 704 643
Total Liabilities 11,742 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 26,952
166 157 195 202 211 191 184 221 171 174 207 194 224
CWIP 8 25 8 12 5 1 4 6 0 0 5 0 0
Investments 285 321 241 458 580 306 302 402 429 820 510 878 1,239
11,282 10,815 11,867 12,237 10,623 13,070 14,498 12,326 9,742 11,815 17,300 22,963 25,488
Total Assets 11,742 11,318 12,312 12,909 11,419 13,568 14,988 12,955 10,342 12,810 18,022 24,036 26,952

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
807 1,260 83 714 2,406 211 -584 1,661 2,088 -1,649 -3,900 -6,986
-285 -76 22 -244 -180 -36 -77 -241 93 -525 -177 2,993
-6 -1,696 -201 -498 -2,301 -209 1,135 -1,782 -2,120 2,244 4,344 3,647
Net Cash Flow 516 -512 -96 -28 -75 -34 475 -363 60 70 266 -346

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 11% 11% 11% 11% 0% 10% 13% -0% -26% 8% 9% 16%

Shareholding Pattern

Numbers in percentages

7 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
68.25% 61.50% 61.49% 61.48% 62.05% 62.14% 62.12% 62.10% 62.07% 62.13% 62.09% 61.87%
5.82% 6.58% 7.35% 7.48% 7.30% 7.13% 7.18% 7.91% 7.79% 7.76% 7.85% 7.72%
6.55% 6.23% 5.72% 5.14% 4.46% 6.12% 7.99% 6.94% 5.58% 5.81% 6.77% 9.63%
19.37% 25.69% 25.43% 25.88% 26.18% 24.61% 22.71% 23.06% 24.57% 23.79% 22.64% 20.12%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.52% 0.66% 0.65%
No. of Shareholders 1,19,0341,64,8051,93,0211,92,2832,10,8522,08,4191,85,8032,02,7051,95,3342,03,2442,32,4212,65,650

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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