ScoreWhy is Poonawalla Fincorp Ltd ?
1
With a growth in Net Profit of 18.53%, the company declared Very Positive results in Sep 25
- PBT LESS OI(Q) At Rs 98.42 cr has Grown at 186.2% (vs previous 4Q average)
- PAT(Q) At Rs 74.20 cr has Grown at 190.7% (vs previous 4Q average)
- PBDIT(Q) Highest at Rs 758.70 cr.
2
With ROE of 2.2, it has a Very Expensive valuation with a 3.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 30.18%, its profits have fallen by -47.8%
3
Rising Promoter Confidence
- Promoters have increased their stake in the company by 1.5% over the previous quarter and currently hold 63.96% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
4
Market Beating performance in long term as well as near term
- Along with generating 30.18% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Poonawalla Fin should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Poonawalla Fin for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Poonawalla Fin
33.37%
0.88
34.29%
Sensex
8.49%
0.43
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
96
Industry P/E
22
Price to Book Value
3.38
EV to EBIT
24.41
EV to EBITDA
23.67
EV to Capital Employed
1.51
EV to Sales
11.85
PEG Ratio
1.00
Dividend Yield
NA
ROCE (Latest)
5.05%
ROE (Latest)
2.21%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend36What is working for the Company
NET SALES(Q)
Highest at Rs 1,818.42 cr
PBDIT(Q)
Highest at Rs 962.96 cr.
PBT LESS OI(Q)
Highest at Rs 200.15 cr.
PAT(Q)
Highest at Rs 150.22 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 52.96%
EPS(Q)
Highest at Rs 1.86
-3What is not working for the Company
DEBT-EQUITY RATIO(HY)
Highest at 3.64 times
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Here's what is working for Poonawalla Fin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 200.15 cr has Grown at 185.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 70.01 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 150.22 cr has Grown at 175.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 54.47 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Sales - Quarterly
Highest at Rs 1,818.42 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Net Sales - Quarterly
At Rs 1,818.42 cr has Grown at 43.2% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 1,269.89 CrMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 962.96 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 200.15 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 150.22 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 52.96%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.86
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Poonawalla Fin
Debt-Equity Ratio - Half Yearly
Highest at 3.64 times and Grown
each half year in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
