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Diversified Indian NBFC (Poonawalla/Serum Institute group) offering consumer, MSME and supply-chain finance loans.
Diversified Indian NBFC (Poonawalla/Serum Institute group) offering consumer, MSME and supply-chain finance loans.
Earns the gap between what it pays on borrowed money and what it charges borrowers, plus fees on loans it originates. Adar Poonawalla's group bought control of the former Magma Fincorp in 2021, renamed it, and shifted the loan book from its earlier focus on vehicle and farm-equipment loans toward consumer and business lending.
Moat: none (distribution). Growing digitally-led lender in a crowded NBFC space without a structural scale edge yet.
Headquarters: Pune, India · Founded: 1991 · Employees: 5,860
Size Poonawalla Fincorp (POONAWALLA.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $4.42B, the 225th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹473.90 on 6 Nov 2026.
Performance Over six months the shares gained 4.0%, against -11.5% for the median peer and 0.0% for the India market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 77.1% over the last twelve months (peer median +7.0%); the operating margin is 31.4% (peer median 30.4%).
Valuation It trades at 3.02× book value against a peer median of 1.67× (5th most expensive of 20).
Price implies The share price implies a return on equity of about 47.4%; Poonawalla Fincorp delivers 9.2%, so the price asks more than the business earns today.
Next results Next results expected around 29 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹87.8B | ₹66.9B | ₹41.1B | ₹30.9B | ₹20.0B |
| Revenue growth | — | +63% | +33% | +55% | — |
| Gross profit | ₹51.2B | ₹62.0B | ₹38.2B | ₹29.3B | ₹18.6B |
| EBITDA | ₹28.7B | ₹37.0B | ₹16.1B | ₹17.8B | ₹11.0B |
| Net income | ₹10.9B | ₹5.42B | -₹983M | ₹16.8B | ₹6.84B |
| Free cash flow | n/a | ₹26.2B | ₹15.8B | ₹13.4B | ₹4.42B |
| Capital expenditure | n/a | ₹1.07B | ₹433M | ₹179M | ₹810M |
| Total debt | ₹593B | ₹484B | ₹261B | ₹152B | ₹112B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Poonawalla Fincorp POONAWALLA.NS | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% |
| Bajaj Finance BAJFINANCE.NS | $71.6B | +12% | +19% | 19% | 5.50× | 77.1% |
| Cholamandalam Investment and Finance CHOLAFIN.NS | $16.2B | +6% | +21% | 21% | 4.43× | 67.7% |
| L&T Finance LTF.NS | $7.36B | -9% | +17% | 12% | 2.38× | 45.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | POONAWALLA.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.6% | -2.2% | 7th highest of 21 |
| 6-month return | +4.0% | -11.5% | 6th highest of 21 |
| Return on equity | 9.2% | 13.8% | 8th lowest of 20 |
| Price / book | 3.02× | 1.67× | 5th most expensive of 20 |
| Trailing P/E | 37.0× | 13.3× | 2nd most expensive of 19 |
| ROE the price implies | 47.4% | 15.8% | most demanding of 20 |
| ROE delivered | 9.2% | 13.8% | 8th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| ACOM 8572.T | Japan | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% | 9.3% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| Credit Saison 8253.T | Japan | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% | 9.2% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| Far East Horizon 3360.HK | Hong Kong | $3.44B | -25% | +1% | 8% | 0.45× | 4.5% | 7.6% |
| WillScot WSC | United States | $3.42B | -33% | -3% | -7% | 3.75× | 35.8% | -7.1% |
| PennyMac Financial Services PFSI | United States | $3.41B | -28% | +4% | 6% | 0.78× | 10.2% | 5.6% |