Poonawalla Fincorp Limited
Poonawalla Fincorp Limited, a non-banking finance company, provides consumer and MSME financing services in India. The company offers instant, personal, business, commercial vehicle, consumer durable, gold, education, professional, pre-owned car, medical equipment, and machinery loans; digital personal, and shopkeeper loans; loans against property; and mid-market and NBFC lending. It also provide… Read more
Poonawalla Fincorp Limited (POONAWALLA) - Net Assets
Latest net assets as of September 2025: ₹98.73 Billion INR
Based on the latest financial reports, Poonawalla Fincorp Limited (POONAWALLA) has net assets worth ₹98.73 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹469.60 Billion) and total liabilities (₹370.86 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹98.73 Billion |
| % of Total Assets | 21.02% |
| Annual Growth Rate | 25.33% |
| 5-Year Change | 272.54% |
| 10-Year Change | 270.53% |
| Growth Volatility | 48.0 |
Poonawalla Fincorp Limited - Net Assets Trend (2005–2025)
This chart illustrates how Poonawalla Fincorp Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Poonawalla Fincorp Limited (2005–2025)
The table below shows the annual net assets of Poonawalla Fincorp Limited from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹81.75 Billion | +0.09% |
| 2024-03-31 | ₹81.67 Billion | +18.83% |
| 2023-03-31 | ₹68.73 Billion | +13.45% |
| 2022-03-31 | ₹60.58 Billion | +176.09% |
| 2021-03-31 | ₹21.94 Billion | -20.15% |
| 2020-03-31 | ₹27.48 Billion | +0.15% |
| 2019-03-31 | ₹27.44 Billion | +39.14% |
| 2018-03-31 | ₹19.72 Billion | -10.62% |
| 2017-03-31 | ₹22.06 Billion | +0.01% |
| 2016-03-31 | ₹22.06 Billion | +20.74% |
| 2015-03-31 | ₹18.27 Billion | +8.33% |
| 2014-03-31 | ₹16.87 Billion | +4.13% |
| 2013-03-31 | ₹16.20 Billion | +28.26% |
| 2012-03-31 | ₹12.63 Billion | +74.90% |
| 2011-03-31 | ₹7.22 Billion | +55.44% |
| 2010-03-31 | ₹4.65 Billion | +12.62% |
| 2009-03-31 | ₹4.13 Billion | +7.32% |
| 2008-03-31 | ₹3.84 Billion | +9.29% |
| 2007-03-31 | ₹3.52 Billion | +134.48% |
| 2006-03-31 | ₹1.50 Billion | +67.88% |
| 2005-03-31 | ₹893.41 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Poonawalla Fincorp Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3051.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹16.60 Billion | 20.30% |
| Common Stock | ₹1.55 Billion | 1.89% |
| Other Comprehensive Income | ₹10.77 Billion | 13.17% |
| Other Components | ₹52.84 Billion | 64.63% |
| Total Equity | ₹81.75 Billion | 100.00% |
Poonawalla Fincorp Limited Competitors by Market Cap
The table below lists competitors of Poonawalla Fincorp Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Beijing Lanxum Tech Co
SHE:300010
|
$1.32 Billion |
|
Hope Bancorp Inc
NASDAQ:HOPE
|
$1.32 Billion |
|
Cochin Shipyard Limited
NSE:COCHINSHIP
|
$1.32 Billion |
|
Shandong Linglong Tyre Co Ltd
SHG:601966
|
$1.32 Billion |
|
Hanall Biopharma
KO:009420
|
$1.32 Billion |
|
CTS Corporation
NYSE:CTS
|
$1.32 Billion |
|
ECN Capital Corp.
OTCGREY:ECNNF
|
$1.32 Billion |
|
Mobileye Global Inc. Class A Common Stock
NASDAQ:MBLY
|
$1.32 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Poonawalla Fincorp Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 81,670,800,000 to 81,746,600,000, a change of 75,800,000 (0.1%).
- Net loss of 983,400,000 reduced equity.
- New share issuances of 795,200,000 increased equity.
- Other comprehensive income increased equity by 550,700,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹-983.40 Million | -1.2% |
| Share Issuances | ₹795.20 Million | +0.97% |
| Other Comprehensive Income | ₹550.70 Million | +0.67% |
| Other Changes | ₹-286.70 Million | -0.35% |
| Total Change | ₹- | 0.09% |
Book Value vs Market Value Analysis
This analysis compares Poonawalla Fincorp Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.85x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 25.85x to 3.85x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹15.71 | ₹406.00 | x |
| 2006-03-31 | ₹22.47 | ₹406.00 | x |
| 2007-03-31 | ₹34.50 | ₹406.00 | x |
| 2008-03-31 | ₹35.20 | ₹406.00 | x |
| 2009-03-31 | ₹37.79 | ₹406.00 | x |
| 2010-03-31 | ₹42.57 | ₹406.00 | x |
| 2011-03-31 | ₹55.51 | ₹406.00 | x |
| 2012-03-31 | ₹71.70 | ₹406.00 | x |
| 2013-03-31 | ₹83.81 | ₹406.00 | x |
| 2014-03-31 | ₹86.97 | ₹406.00 | x |
| 2015-03-31 | ₹93.87 | ₹406.00 | x |
| 2016-03-31 | ₹92.95 | ₹406.00 | x |
| 2017-03-31 | ₹91.53 | ₹406.00 | x |
| 2018-03-31 | ₹82.99 | ₹406.00 | x |
| 2019-03-31 | ₹102.09 | ₹406.00 | x |
| 2020-03-31 | ₹101.77 | ₹406.00 | x |
| 2021-03-31 | ₹81.41 | ₹406.00 | x |
| 2022-03-31 | ₹83.41 | ₹406.00 | x |
| 2023-03-31 | ₹88.76 | ₹406.00 | x |
| 2024-03-31 | ₹105.00 | ₹406.00 | x |
| 2025-03-31 | ₹105.57 | ₹406.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Poonawalla Fincorp Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -1.20%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.46%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 4.29x
- Recent ROE (-1.20%) is below the historical average (8.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 15.63% | 14.25% | 0.15x | 7.44x | ₹50.33 Million |
| 2006 | 13.47% | 17.26% | 0.12x | 6.57x | ₹52.02 Million |
| 2007 | 8.93% | 11.28% | 0.13x | 6.06x | ₹-37.64 Million |
| 2008 | 13.15% | 10.72% | 0.14x | 8.54x | ₹120.99 Million |
| 2009 | 9.46% | 6.24% | 0.19x | 8.01x | ₹-22.09 Million |
| 2010 | 14.31% | 9.45% | 0.15x | 9.81x | ₹200.02 Million |
| 2011 | 16.91% | 27.05% | 0.08x | 7.86x | ₹499.32 Million |
| 2012 | 5.95% | 7.47% | 0.12x | 6.55x | ₹-504.13 Million |
| 2013 | 8.67% | 8.54% | 0.12x | 8.22x | ₹-211.97 Million |
| 2014 | 9.18% | 7.10% | 0.16x | 7.97x | ₹-135.27 Million |
| 2015 | 10.11% | 7.34% | 0.17x | 8.33x | ₹19.20 Million |
| 2016 | 9.77% | 8.17% | 0.17x | 7.17x | ₹-50.53 Million |
| 2017 | 0.94% | 0.83% | 0.18x | 6.26x | ₹-1.97 Billion |
| 2018 | 12.01% | 10.71% | 0.15x | 7.55x | ₹396.86 Million |
| 2019 | 11.08% | 12.99% | 0.14x | 6.12x | ₹296.18 Million |
| 2020 | 0.98% | 1.12% | 0.16x | 5.55x | ₹-2.48 Billion |
| 2021 | -25.47% | -25.07% | 0.17x | 6.02x | ₹-7.78 Billion |
| 2022 | 6.19% | 24.77% | 0.09x | 2.72x | ₹-2.30 Billion |
| 2023 | 9.97% | 36.54% | 0.08x | 3.38x | ₹-21.60 Million |
| 2024 | 20.60% | 57.03% | 0.12x | 2.95x | ₹8.66 Billion |
| 2025 | -1.20% | -2.46% | 0.11x | 4.29x | ₹-9.16 Billion |
Industry Comparison
This section compares Poonawalla Fincorp Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,621,595,776
- Average return on equity (ROE) among peers: 14.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Poonawalla Fincorp Limited (POONAWALLA) | ₹98.73 Billion | 15.63% | 3.76x | $1.32 Billion |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.85 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| Capital India Finance Limited (CIFL) | $6.56 Billion | -6.33% | 1.73x | $2.98K |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |