ResultsIQ

ResultsIQ › Latest results › Poonawalla Fincorp Limited

Poonawalla Fincorp Limited Q2 FY26 earnings call summary

NSE: POONAWALLA · BSE: 524000

Earnings call of 17 Oct 2025, summarised by AI from the filing.

AUM ₹47,701 cr as on September 30, 2025, up 68% year-on-year and 15.6% quarter-on-quarter.

Key takeaways

  1. AUM growth AUM ₹47,701 cr as on September 30, 2025, up 68% year-on-year and 15.6% quarter-on-quarter.
  2. Gold loan branches On track to launch 400 branches by March 2026, with 95% in Tier 2 and Tier 3 markets.
  3. Credit cost Quarterly credit cost range bound at 2.67% in Q2FY26 versus 2.61% in Q1FY26.

Original filing on BSE

Poonawalla Fincorp Limited Q2 FY27 results

As filed: Revenue ₹2,625 cr (+70% year on year), EBITDA ₹1,571 cr (+107% year on year), PAT ₹375 cr (+300% year on year), EBITDA margin 59.9% (+1,000 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹2,337 cr (+78% year on year), EBITDA ₹1,363 cr (+109% year on year), PAT ₹308 cr (+300% year on year), EBITDA margin 58.3% (+879 bps). Score 80 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 879 bps year on year. Revenue rose ₹1,023 cr on a year ago, more than the ₹336 cr it added the year before. Share price after the results: +4.3% in 28 days (Nifty 500: +1.1%).
  • Q4 FY26: Revenue ₹2,115 cr (+81% year on year), EBITDA ₹1,206 cr (+119% year on year), PAT ₹255 cr (+300% year on year), EBITDA margin 57.0% (+974 bps). Score 86 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 974 bps year on year. Share price after the results: −10.4% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹1,818 cr (+72% year on year), EBITDA ₹963 cr (+127% year on year), PAT ₹150 cr (+300% year on year), EBITDA margin 53.0% (+1,000 bps). Score 96 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 1000 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: +2.4% in 28 days (Nifty 500: −0.7%).
  • Q2 FY26: Revenue ₹1,542 cr (+56% year on year), EBITDA ₹759 cr, PAT ₹74.0 cr, EBITDA margin 49.2% (+1,000 bps). Score 95 of 100, Above trend. Revenue growth was well above the company's own trend. EBITDA margin rose 1000 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Revenue rose ₹553 cr on a year ago, more than the ₹250 cr it added the year before. Share price after the results: −10.9% in 28 days (Nifty 500: +1.0%).
  • Q1 FY26: Revenue ₹1,314 cr (+34% year on year), EBITDA ₹651 cr (−8% year on year), PAT ₹63.0 cr (−78% year on year), EBITDA margin 49.5% (−1,000 bps). Score 44 of 100, In line with trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was below it. EBITDA margin fell 1000 bps year on year. Revenue rose ₹336 cr on a year ago, more than the ₹285 cr it added the year before. Share price after the results: +12.6% in 28 days (Nifty 500: −0.1%).
  • Q4 FY25: Revenue ₹1,166 cr (+27% year on year), EBITDA ₹551 cr (−18% year on year), PAT ₹62.0 cr (−81% year on year), EBITDA margin 47.3% (−1,000 bps). Score 36 of 100, Below trend. Revenue and profit growth were below the company's own trend; EBITDA growth was in line with it. EBITDA margin fell 1000 bps year on year. Share price after the results: +4.4% in 28 days (Nifty 500: +4.3%).
  • Q3 FY25: Revenue ₹1,057 cr (+39% year on year), EBITDA ₹425 cr (−27% year on year), PAT ₹19.0 cr (−93% year on year), EBITDA margin 40.2% (−1,000 bps). Score 40 of 100, Below trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was below it. EBITDA margin fell 1000 bps year on year.

Past price moves after results do not indicate future moves. Not a recommendation.

Poonawalla Fincorp Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.