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Poonawalla Fincorp Ltd

NSE:POONAWALLAFinancial ServicesNSE:CNX500NSE:CNXSMALLCAP

₹445.70−0.72%At closeAt close · Mon 19 Oct · ≈ AED 17.20 · Market cap $4.15B · Next earnings Fri 29 Jan

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	39.1%	46.5%	53.0%	57.8%	50.4%	55.8%	—	—
Operating margin	30.2%	31.0%	28.0%	41.2%	30.6%	27.3%	27.3%	+0.0 pts
Net margin	−25.1%	24.8%	36.5%	57.0%	−2.5%	8.1%	8.1%	+0.0 pts
EBITDA margin	−26.4%	33.6%	46.1%	75.0%	−1.4%	12.2%	—	—
Return on equity	−25.5%	6.2%	10.0%	20.6%	−1.2%	5.2%	5.2%	+0.0 pts
Return on assets	−4.2%	2.3%	2.9%	7.0%	−0.3%	0.9%	0.9%	+0.0 pts
Return on capital employed	9.5%	3.8%	3.3%	7.9%	6.0%	3.0%	—	—
Debt / equity	4.8×	1.6×	1.6×	1.9×	3.2×	4.7×	4.7×	+0.0%
Debt / assets	79.3%	60.7%	48.3%	63.2%	74.5%	80.4%	—	—
Interest coverage	6.5×	6.9×	10.4×	62.6×	75.2×	0.0×	—	—
Current ratio	0.8×	1.6×	1.3×	2.6×	0.9×	65.9×	65.9×	+0.0%
Quick ratio	0.2×	1.6×	1.3×	2.6×	0.9×	65.9×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.0×	0.0×	56.7×	56.7×	+0.0%
Asset turnover	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Inventory turnover	0.4×	—	—	—	—	—	—	—
Receivables turnover	11.4×	0.3×	0.3×	13.9×	0.3×	173.9×	—	—
Dividend payout	0.0%	0.0%	4.5%	18.3%	0.0%	0.0%	—	—