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 ₹ 104
  • Dividend Yield 0.56 %
  • ROCE 10.8 %
  • ROE 13.9 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 28.0% CAGR over last 5 years

Cons

  • Stock is trading at 3.43 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.69% 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 Financial Services BSE SmallCap Select Index BSE 400 MidSmallCap Index Nifty LargeMidcap 250 BSE Allcap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 508 508 384 408 455 498 577 693 739 763 915 978 989
Interest 176 181 110 119 144 159 173 230 216 224 281 320 352
199 190 158 164 149 143 152 194 207 178 241 272 1,260
Financing Profit 133 137 116 126 163 196 251 269 316 361 393 386 -622
Financing Margin % 26% 27% 30% 31% 36% 39% 44% 39% 43% 47% 43% 39% -63%
7 8 44 59 58 52 23 40 829 11 7 18 8
Depreciation 14 14 14 12 14 16 19 15 15 15 14 15 16
Profit before tax 126 130 147 173 207 232 254 293 1,130 357 385 390 -630
Tax % 24% 26% 19% 18% 21% 21% 22% 23% 24% 26% 14% 25% -25%
96 96 119 141 163 182 199 226 860 265 332 292 -471
EPS in Rs 1.25 1.26 1.55 1.84 2.13 2.38 2.58 2.94 11.19 3.45 4.28 3.76 -6.06
Gross NPA % 4.11% 2.19% 1.52%
Net NPA % 2.01% 0.95% 0.83%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 1,682 2,195 2,534 2,656 2,524 2,290 2,457 2,513 2,319 1,540 2,177 5,418 3,644
Interest 926 1,177 1,233 1,192 1,131 1,117 1,122 1,294 1,100 509 595 950 1,176
540 816 1,068 1,147 1,341 872 880 1,112 1,950 623 838 880 1,951
Financing Profit 215 201 233 318 52 301 454 107 -731 408 744 3,588 517
Financing Margin % 13% 9% 9% 12% 2% 13% 18% 4% -32% 26% 34% 66% 14%
35 30 25 28 43 39 38 49 39 109 184 -1,363 44
Depreciation 38 33 35 39 48 49 50 75 56 49 61 59 59
Profit before tax 212 198 223 306 47 291 442 82 -749 468 866 2,166 501
Tax % 32% 19% 16% 30% 73% 19% 31% 67% -25% 20% 21% 22%
145 160 187 213 13 237 304 27 -559 375 685 1,683 417
EPS in Rs 7.28 7.99 9.49 8.93 0.86 9.99 11.29 1.00 -20.73 4.90 8.91 21.73 5.43
Dividend Payout % 11% 10% 8% 9% 93% 8% 7% 0% 0% 8% 22% 9%
Compounded Sales Growth
10 Years: 9%
5 Years: 17%
3 Years: 33%
TTM: 45%
Compounded Profit Growth
10 Years: 21%
5 Years: 28%
3 Years: 57%
TTM: -51%
Stock Price CAGR
10 Years: 13%
5 Years: 51%
3 Years: 21%
1 Year: -1%
Return on Equity
10 Years: 6%
5 Years: 5%
3 Years: 10%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 1,359 1,466 1,617 2,104 2,125 1,925 2,690 2,694 2,140 5,903 6,708 8,013 7,911
10,599 10,279 11,756 11,859 10,075 12,127 13,133 12,047 10,475 9,973 11,209 15,216 18,294
1,118 1,395 1,472 1,515 1,375 796 912 445 543 413 5,150 704 643
Total Liabilities 13,114 13,178 14,882 15,525 13,622 14,894 16,789 15,240 13,212 16,443 23,221 24,087 27,002
182 173 212 265 278 207 199 242 196 214 222 194 224
CWIP 8 25 9 13 8 1 4 7 0 0 5 0 0
Investments 267 402 414 400 546 140 141 151 177 0 510 878 1,239
12,657 12,578 14,248 14,846 12,790 14,546 16,445 14,841 12,839 16,228 22,484 23,014 25,539
Total Assets 13,114 13,178 14,882 15,525 13,622 14,894 16,789 15,240 13,212 16,443 23,221 24,087 27,002

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-2,894 -502 -305 733 2,949 390 -923 998 1,644 -2,873 -5,064 -7,556
-535 -180 -36 -254 -186 -36 -98 -281 81 -33 -283 2,725
3,977 218 171 -498 -2,844 -387 1,490 -1,083 -1,574 2,903 5,748 4,331
Net Cash Flow 547 -464 -169 -20 -81 -33 469 -365 152 -3 401 -501

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% 10% 11% 11% 1% 11% 13% 1% -23% 6% 7% 14%

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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