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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Poonawalla Fincorp Limited is an India-based non-banking finance company that focuses on consumer and micro, small, and medium enterprises (MSME) financing. Its products and services include Financing for Small and Medium Enterprises, Personal and Consumer, Loan Against…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection — but flagged on governance.
Poonawalla Fincorp is scored on the nbfc / financials framework. It keeps a slim 8.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 52%/yr and profit at -8%/yr. Book value has grown 15%/yr. Return on equity is a weak 7.9%. In the latest quarter profit grew 22% versus the prior quarter.
At 69× earnings, the stock sits at the 95th percentile of its own 2.6-year range — the expensive end of where it has historically traded. Today's price implies ~18%/yr earnings growth for a decade. The forensic screen raises a red flag: Share count up 24% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 38.39 | 10.88 | worse |
| P/B | 3.04 | 1.4 | worse |
| EV/EBITDA | 19.75 | 14.13 | worse |
| ROE | 7.91 | — | — |
| ROCE | 6.83 | — | — |
| ROA | 1.46 | — | — |
| Quick Ratio | 0.17 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 52% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
1 of the 4 years shown had a loss — profitability is inconsistent. The latest year saw a +651% swing — check if it's a one-off or structural.
Operating margin has compressed from 39% to 11% — costs or competition are eating into profitability.
ROE at 5% — modest; the capital isn't working hard.
-13% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 13% sequentially — momentum is building. Wide quarterly swings (31% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate stepping up — recent quarters average 26% above earlier ones.
Profit jumped 22% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (8% → 14%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.6y median.
Promoter holding at 59.0% — majority control intact. Promoters reduced 4.9pp over 4 quarters — watch whether this is planned divestment or pledge invocations. MF holding up 4.7pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.