Poonawalla Fincorp Limited Logo

Poonawalla Fincorp Limited

POONAWALLA.NS

(1.8)
Stock Price

354,95 INR

0% ROA

21.86% ROE

16.5x PER

Market Cap.

291.069.569.250,00 INR

0% DER

0.53% Yield

52.09% NPM

Poonawalla Fincorp Limited Stock Analysis

Poonawalla Fincorp Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Poonawalla Fincorp Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (21%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

The stock's ROA (7.03%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

3 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

4 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

7 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.64x) suggests it's overvalued, potentially making it an expensive investment.

8 DER

The company has a high debt to equity ratio (145%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-1.916) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Poonawalla Fincorp Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Poonawalla Fincorp Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Poonawalla Fincorp Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Poonawalla Fincorp Limited Revenue
Year Revenue Growth
2004 980.229.000
2005 1.515.847.000 35.33%
2006 1.965.853.000 22.89%
2007 4.714.335.000 58.3%
2008 6.254.841.000 24.63%
2009 7.030.089.000 11.03%
2010 8.473.298.000 17.03%
2011 3.996.951.000 -111.99%
2012 15.753.276.000 74.63%
2013 21.394.964.000 26.37%
2014 24.599.624.000 13.03%
2015 25.870.548.000 4.91%
2016 24.362.176.000 -6.19%
2017 23.670.128.000 -2.92%
2018 23.410.253.000 -1.11%
2019 24.121.016.000 2.95%
2020 22.294.231.000 -8.19%
2021 19.720.165.000 -13.05%
2022 18.767.300.000 -5.08%
2023 28.423.200.000 33.97%
2023 31.473.300.000 9.69%
2024 39.755.600.000 20.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Poonawalla Fincorp Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 1 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Poonawalla Fincorp Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 277.692.000
2005 460.567.000 39.71%
2006 522.857.000 11.91%
2007 1.312.354.000 60.16%
2008 1.458.360.000 10.01%
2009 1.455.968.000 -0.16%
2010 1.652.982.000 11.92%
2011 614.148.000 -169.15%
2012 436.452.000 -40.71%
2013 442.507.000 1.37%
2014 500.789.000 11.64%
2015 530.548.000 5.61%
2016 561.779.000 5.56%
2017 528.137.000 -6.37%
2018 618.124.000 14.56%
2019 502.731.000 -22.95%
2020 307.156.000 -63.67%
2021 522.128.000 41.17%
2022 543.600.000 3.95%
2023 0 0%
2023 551.400.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Poonawalla Fincorp Limited EBITDA
Year EBITDA Growth
2004 291.442.000
2005 528.817.000 44.89%
2006 3.743.593.000 85.87%
2007 1.396.951.000 -167.98%
2008 1.505.700.000 7.22%
2009 2.023.048.000 25.57%
2010 5.937.933.000 65.93%
2011 1.647.724.000 -260.37%
2012 8.375.488.000 80.33%
2013 8.011.170.000 -4.55%
2014 9.229.787.000 13.2%
2015 10.315.791.000 10.53%
2016 8.328.251.000 -23.87%
2017 9.557.712.000 12.86%
2018 3.877.977.000 -146.46%
2019 1.033.343.000 -275.28%
2020 7.069.770.000 85.38%
2021 6.313.341.000 -11.98%
2022 3.808.500.000 -65.77%
2023 -19.688.400.000 119.34%
2023 14.489.800.000 235.88%
2024 17.866.000.000 18.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Poonawalla Fincorp Limited Gross Profit
Year Gross Profit Growth
2004 980.229.000
2005 1.515.847.000 35.33%
2006 1.965.853.000 22.89%
2007 4.714.335.000 58.3%
2008 6.254.841.000 24.63%
2009 7.030.089.000 11.03%
2010 8.473.298.000 17.03%
2011 3.996.951.000 -111.99%
2012 10.854.809.000 63.18%
2013 14.317.046.000 24.18%
2014 16.054.275.000 10.82%
2015 18.364.289.000 12.58%
2016 17.877.271.000 -2.72%
2017 20.242.289.000 11.68%
2018 5.704.025.000 -254.88%
2019 2.173.283.000 -162.46%
2020 7.866.193.000 72.37%
2021 7.839.033.000 -0.35%
2022 7.666.500.000 -2.25%
2023 15.430.400.000 50.32%
2023 21.377.200.000 27.82%
2024 26.371.200.000 18.94%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Poonawalla Fincorp Limited Net Profit
Year Net Profit Growth
2004 139.673.000
2005 201.730.000 30.76%
2006 314.392.000 35.83%
2007 505.351.000 37.79%
2008 390.424.000 -29.44%
2009 664.603.000 41.25%
2010 1.144.332.000 41.92%
2011 777.912.000 -47.1%
2012 1.382.429.000 43.73%
2013 1.518.287.000 8.95%
2014 1.806.674.000 15.96%
2015 2.113.771.000 14.53%
2016 204.527.000 -933.49%
2017 2.304.241.000 91.12%
2018 3.040.063.000 24.2%
2019 270.534.000 -1023.73%
2020 -5.589.644.000 104.84%
2021 3.751.300.000 249.01%
2022 6.839.800.000 45.15%
2023 34.406.800.000 80.12%
2023 16.827.500.000 -104.47%
2024 11.665.600.000 -44.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Poonawalla Fincorp Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2
2005 3 0%
2006 3 0%
2007 4 33.33%
2008 3 -50%
2009 5 60%
2010 9 37.5%
2011 4 -166.67%
2012 7 57.14%
2013 8 0%
2014 9 22.22%
2015 9 -12.5%
2016 1 0%
2017 10 100%
2018 11 18.18%
2019 1 -1000%
2020 -21 105%
2021 5 500%
2022 9 37.5%
2023 45 81.82%
2023 22 -109.52%
2024 15 -40%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Poonawalla Fincorp Limited Free Cashflow
Year Free Cashflow Growth
2004 -118.866.000
2005 -1.245.185.000 90.45%
2006 -2.458.929.000 49.36%
2007 -8.112.421.000 69.69%
2008 -3.291.174.000 -146.49%
2009 -10.994.201.000 70.06%
2010 -9.339.512.000 -17.72%
2011 -21.816.050.000 57.19%
2012 -29.220.335.000 25.34%
2013 -5.022.832.000 -481.75%
2014 -4.540.469.000 -10.62%
2015 6.746.378.000 167.3%
2016 28.826.879.000 76.6%
2017 13.924.674.000 -107.02%
2018 -9.767.566.000 242.56%
2019 9.388.414.000 204.04%
2020 16.217.627.000 42.11%
2021 -31.120.863.000 152.11%
2022 -53.175.600.000 41.48%
2023 13.337.800.000 498.68%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Poonawalla Fincorp Limited Operating Cashflow
Year Operating Cashflow Growth
2004 696.778.000
2005 -674.963.000 203.23%
2006 -1.981.676.000 65.94%
2007 -7.666.563.000 74.15%
2008 -2.800.751.000 -173.73%
2009 -10.959.958.000 74.45%
2010 -9.264.276.000 -18.3%
2011 -21.606.458.000 57.12%
2012 -28.934.500.000 25.33%
2013 -5.022.832.000 -476.06%
2014 -4.540.469.000 -10.62%
2015 7.328.147.000 161.96%
2016 29.486.453.000 75.15%
2017 14.464.550.000 -103.85%
2018 -9.224.766.000 256.8%
2019 9.982.356.000 192.41%
2020 16.442.966.000 39.29%
2021 -30.492.859.000 153.92%
2022 -52.365.400.000 41.77%
2023 13.516.900.000 487.41%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Poonawalla Fincorp Limited Capital Expenditure
Year Capital Expenditure Growth
2004 815.644.000
2005 570.222.000 -43.04%
2006 477.253.000 -19.48%
2007 445.858.000 -7.04%
2008 490.423.000 9.09%
2009 34.243.000 -1332.18%
2010 75.236.000 54.49%
2011 209.592.000 64.1%
2012 285.835.000 26.67%
2013 0 0%
2014 0 0%
2015 581.769.000 100%
2016 659.574.000 11.8%
2017 539.876.000 -22.17%
2018 542.800.000 0.54%
2019 593.942.000 8.61%
2020 225.339.000 -163.58%
2021 628.004.000 64.12%
2022 810.200.000 22.49%
2023 179.100.000 -352.37%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Poonawalla Fincorp Limited Equity
Year Equity Growth
2004 893.408.000
2005 1.480.635.000 39.66%
2006 3.564.323.000 58.46%
2007 3.843.641.000 7.27%
2008 4.125.147.000 6.82%
2009 4.645.869.000 11.21%
2010 7.221.416.000 35.67%
2011 12.630.322.000 42.82%
2012 16.199.203.000 22.03%
2013 16.867.751.000 3.96%
2014 18.272.915.000 7.69%
2015 22.062.164.000 17.18%
2016 22.063.296.000 0.01%
2017 140.394.555.000 84.28%
2018 149.201.526.000 5.9%
2019 140.869.174.000 -5.91%
2020 118.945.030.000 -18.43%
2021 60.582.204.000 -96.34%
2022 68.731.700.000 11.86%
2023 231.142.600.000 70.26%
2023 78.317.100.000 -195.14%
2024 81.670.800.000 4.11%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Poonawalla Fincorp Limited Assets
Year Assets Growth
2004 6.645.793.000
2005 9.738.683.000 31.76%
2006 21.361.160.000 54.41%
2007 32.834.369.000 34.94%
2008 33.036.521.000 0.61%
2009 45.584.504.000 27.53%
2010 56.758.596.000 19.69%
2011 81.879.675.000 30.68%
2012 131.138.097.000 37.56%
2013 131.781.601.000 0.49%
2014 148.824.798.000 11.45%
2015 155.231.508.000 4.13%
2016 135.952.141.000 -14.18%
2017 137.012.664.000 0.77%
2018 167.892.797.000 18.39%
2019 152.397.152.000 -10.17%
2020 132.121.824.000 -15.35%
2021 164.427.006.000 19.65%
2022 232.206.100.000 29.19%
2023 240.869.000.000 3.6%
2023 196.689.700.000 -22.46%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Poonawalla Fincorp Limited Liabilities
Year Liabilities Growth
2004 5.752.385.000
2005 8.258.048.000 30.34%
2006 17.796.837.000 53.6%
2007 28.990.728.000 38.61%
2008 28.911.374.000 -0.27%
2009 40.938.635.000 29.38%
2010 49.537.180.000 17.36%
2011 69.249.353.000 28.47%
2012 114.938.894.000 39.75%
2013 114.913.850.000 -0.02%
2014 130.551.883.000 11.98%
2015 133.169.344.000 1.97%
2016 113.888.845.000 -16.93%
2017 113.817.679.000 -0.06%
2018 140.453.918.000 18.96%
2019 124.917.164.000 -12.44%
2020 110.178.780.000 -13.38%
2021 103.844.802.000 -6.1%
2022 163.474.400.000 36.48%
2023 159.198.200.000 -2.69%
2023 118.372.600.000 -34.49%
2024 0 0%

Poonawalla Fincorp Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
43.54
Net Income per Share
22.68
Price to Earning Ratio
16.5x
Price To Sales Ratio
8.67x
POCF Ratio
482.68
PFCF Ratio
486.9
Price to Book Ratio
3.53
EV to Sales
8.67
EV Over EBITDA
43.63
EV to Operating CashFlow
486.9
EV to FreeCashFlow
486.9
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
291,07 Bil.
Enterprise Value
291,07 Bil.
Graham Number
232.48
Graham NetNet
0

Income Statement Metrics

Net Income per Share
22.68
Income Quality
0.03
ROE
0.22
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.77
EBT Per Ebit
3.71
Ebit per Revenue
0.18
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
0.62
Operating Profit Margin
0.18
Pretax Profit Margin
0.67
Net Profit Margin
0.52

Dividends

Dividend Yield
0.01
Dividend Yield %
0.53
Payout Ratio
0
Dividend Per Share
2

Operating Metrics

Operating Cashflow per Share
0.78
Free CashFlow per Share
0.78
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.06
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
105.93
Interest Debt per Share
0
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,14 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Poonawalla Fincorp Limited Dividends
Year Dividends Growth
2004 1
2005 2 0%
2006 2 0%
2007 2 50%
2008 2 0%
2009 1 -100%
2010 2 50%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2022 0 0%
2023 2 100%
2024 2 0%

Poonawalla Fincorp Limited Profile

About Poonawalla Fincorp Limited

Poonawalla Fincorp Limited, a non-banking financial company, provides asset finance services in India. It offers loans for CA, CS, doctors, salaried and government employees, home renovation, wedding, travel, and medical emergency; business loans for working capital, MSME, proprietorship, and women; cars, medical equipment, and home loans; loan against property; and auto leasing services. The company also provides insurance products. It operates a network of 242 branches. The company was formerly known as Magma Fincorp Limited and changed its name to Poonawalla Fincorp Limited in July 2021. Poonawalla Fincorp Limited was incorporated in 1978 and is based in Pune, India. Poonawalla Fincorp Limited is a subsidiary of Rising Sun Holdings Pvt Ltd.

CEO
Mr. Arvind Kapil
Employee
2.384
Address
AP81, Koregaon Park Annex
Pune, 411 036

Poonawalla Fincorp Limited Executives & BODs

Poonawalla Fincorp Limited Executives & BODs
# Name Age
1 Mr. Sumit Talreja
Chief Compliance Officer
70
2 Mr. Atul Garg
Chief Information Officer
70
3 Mr. Hiren Shah
Head of Strategy, BIU & IR
70
4 Mr. Harsh Kumar B.E.
Chief Human Resource Officer
70
5 Mr. Rashmi Prasad
Head of Analytics
70
6 Sanjiv Jha
National Business Head of Asset Backed Finance
70
7 Mr. Sunil Samdani
Executive Director
70
8 Ms. Shabnum Zaman
Company Secretary
70
9 Mr. Arvind Kapil
MD, Chief Executive Officer & Director
70
10 Mr. Sanjay Kumar Miranka
Chief Financial Officer
70

Poonawalla Fincorp Limited Competitors