Poonawalla Fincorp Limited (POONAWALLA) - Net Assets
Based on the latest financial reports, Poonawalla Fincorp Limited (POONAWALLA) has net assets worth Rs98.73 Billion INR (≈ $1.07 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs469.60 Billion ≈ $5.08 Billion USD) and total liabilities (Rs370.86 Billion ≈ $4.01 Billion USD). 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. Check Poonawalla Fincorp Limited (POONAWALLA) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs98.73 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. Also explore Poonawalla Fincorp Limited total assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see POONAWALLA market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs81.75 Billion ≈ $884.06 Million |
+0.09% |
| 2024-03-31 | Rs81.67 Billion ≈ $883.24 Million |
+18.83% |
| 2023-03-31 | Rs68.73 Billion ≈ $743.31 Million |
+13.45% |
| 2022-03-31 | Rs60.58 Billion ≈ $655.17 Million |
+176.09% |
| 2021-03-31 | Rs21.94 Billion ≈ $237.31 Million |
-20.15% |
| 2020-03-31 | Rs27.48 Billion ≈ $297.19 Million |
+0.15% |
| 2019-03-31 | Rs27.44 Billion ≈ $296.74 Million |
+39.14% |
| 2018-03-31 | Rs19.72 Billion ≈ $213.27 Million |
-10.62% |
| 2017-03-31 | Rs22.06 Billion ≈ $238.61 Million |
+0.01% |
| 2016-03-31 | Rs22.06 Billion ≈ $238.59 Million |
+20.74% |
| 2015-03-31 | Rs18.27 Billion ≈ $197.61 Million |
+8.33% |
| 2014-03-31 | Rs16.87 Billion ≈ $182.42 Million |
+4.13% |
| 2013-03-31 | Rs16.20 Billion ≈ $175.19 Million |
+28.26% |
| 2012-03-31 | Rs12.63 Billion ≈ $136.59 Million |
+74.90% |
| 2011-03-31 | Rs7.22 Billion ≈ $78.10 Million |
+55.44% |
| 2010-03-31 | Rs4.65 Billion ≈ $50.24 Million |
+12.62% |
| 2009-03-31 | Rs4.13 Billion ≈ $44.61 Million |
+7.32% |
| 2008-03-31 | Rs3.84 Billion ≈ $41.57 Million |
+9.29% |
| 2007-03-31 | Rs3.52 Billion ≈ $38.03 Million |
+134.48% |
| 2006-03-31 | Rs1.50 Billion ≈ $16.22 Million |
+67.88% |
| 2005-03-31 | Rs893.41 Million ≈ $9.66 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 | Rs16.60 Billion | 20.30% |
| Common Stock | Rs1.55 Billion | 1.89% |
| Other Comprehensive Income | Rs10.77 Billion | 13.17% |
| Other Components | Rs52.84 Billion | 64.63% |
| Total Equity | Rs81.75 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 |
|---|---|
|
Changzhou Fusion New Material Co. Ltd. A
SHG:688503
|
$3.65 Billion |
|
Ultrapar Participações S.A
F:UGR
|
$3.65 Billion |
|
Guangzhou Development Group Inc
SHG:600098
|
$3.65 Billion |
|
FIT Hon Teng Limited
F:0FJ
|
$3.65 Billion |
|
Ningbo Ronbay New Energy Tech Ltd
SHG:688005
|
$3.64 Billion |
|
United Community Banks, Inc.
NYSE:UCB
|
$3.64 Billion |
|
StarPower Semiconductor Ltd
SHG:603290
|
$3.64 Billion |
|
RUBIS
F:BYN
|
$3.64 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 | Rs-983.40 Million | -1.2% |
| Share Issuances | Rs795.20 Million | +0.97% |
| Other Comprehensive Income | Rs550.70 Million | +0.67% |
| Other Changes | Rs-286.70 Million | -0.35% |
| Total Change | Rs- | 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: 3.95x
- 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 26.56x to 3.95x 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 | Rs15.71 | Rs417.20 | x |
| 2006-03-31 | Rs22.47 | Rs417.20 | x |
| 2007-03-31 | Rs34.50 | Rs417.20 | x |
| 2008-03-31 | Rs35.20 | Rs417.20 | x |
| 2009-03-31 | Rs37.79 | Rs417.20 | x |
| 2010-03-31 | Rs42.57 | Rs417.20 | x |
| 2011-03-31 | Rs55.51 | Rs417.20 | x |
| 2012-03-31 | Rs71.70 | Rs417.20 | x |
| 2013-03-31 | Rs83.81 | Rs417.20 | x |
| 2014-03-31 | Rs86.97 | Rs417.20 | x |
| 2015-03-31 | Rs93.87 | Rs417.20 | x |
| 2016-03-31 | Rs92.95 | Rs417.20 | x |
| 2017-03-31 | Rs91.53 | Rs417.20 | x |
| 2018-03-31 | Rs82.99 | Rs417.20 | x |
| 2019-03-31 | Rs102.09 | Rs417.20 | x |
| 2020-03-31 | Rs101.77 | Rs417.20 | x |
| 2021-03-31 | Rs81.41 | Rs417.20 | x |
| 2022-03-31 | Rs83.41 | Rs417.20 | x |
| 2023-03-31 | Rs88.76 | Rs417.20 | x |
| 2024-03-31 | Rs105.00 | Rs417.20 | x |
| 2025-03-31 | Rs105.57 | Rs417.20 | 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 | Rs50.33 Million |
| 2006 | 13.47% | 17.26% | 0.12x | 6.57x | Rs52.02 Million |
| 2007 | 8.93% | 11.28% | 0.13x | 6.06x | Rs-37.64 Million |
| 2008 | 13.15% | 10.72% | 0.14x | 8.54x | Rs120.99 Million |
| 2009 | 9.46% | 6.24% | 0.19x | 8.01x | Rs-22.09 Million |
| 2010 | 14.31% | 9.45% | 0.15x | 9.81x | Rs200.02 Million |
| 2011 | 16.91% | 27.05% | 0.08x | 7.86x | Rs499.32 Million |
| 2012 | 5.95% | 7.47% | 0.12x | 6.55x | Rs-504.13 Million |
| 2013 | 8.67% | 8.54% | 0.12x | 8.22x | Rs-211.97 Million |
| 2014 | 9.18% | 7.10% | 0.16x | 7.97x | Rs-135.27 Million |
| 2015 | 10.11% | 7.34% | 0.17x | 8.33x | Rs19.20 Million |
| 2016 | 9.77% | 8.17% | 0.17x | 7.17x | Rs-50.53 Million |
| 2017 | 0.94% | 0.83% | 0.18x | 6.26x | Rs-1.97 Billion |
| 2018 | 12.01% | 10.71% | 0.15x | 7.55x | Rs396.86 Million |
| 2019 | 11.08% | 12.99% | 0.14x | 6.12x | Rs296.18 Million |
| 2020 | 0.98% | 1.12% | 0.16x | 5.55x | Rs-2.48 Billion |
| 2021 | -25.47% | -25.07% | 0.17x | 6.02x | Rs-7.78 Billion |
| 2022 | 6.19% | 24.77% | 0.09x | 2.72x | Rs-2.30 Billion |
| 2023 | 9.97% | 36.54% | 0.08x | 3.38x | Rs-21.60 Million |
| 2024 | 20.60% | 57.03% | 0.12x | 2.95x | Rs8.66 Billion |
| 2025 | -1.20% | -2.46% | 0.11x | 4.29x | Rs-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: $37,628,750,405
- Average return on equity (ROE) among peers: 10.76%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Poonawalla Fincorp Limited (POONAWALLA) | Rs98.73 Billion | 15.63% | 3.76x | $3.65 Billion |
| Akme Fintrade India Ltd (AFIL) | $1.30 Billion | 0.00% | 2.50x | $41.31 Million |
| Arman Financial Services Limited (ARMANFIN) | $3.66 Billion | 25.65% | 4.57x | $169.77 Million |
| Baid Finserv Limited (BAIDFIN) | $108.03 Million | 5.96% | 2.17x | $19.08 Million |
| Bajaj Finance Limited (BAJFINANCE) | $96.00 Billion | 19.13% | 5.64x | $62.99 Billion |
| Capri Global Capital Limited (CGCL) | $38.37 Billion | 7.28% | 2.95x | $1.94 Billion |
| Cholamandalam Investment and Finance Company Limited (CHOLAFIN) | $22.87 Billion | 16.10% | 8.42x | $14.26 Billion |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $162.58 Billion | 7.94% | 7.06x | $3.16 Billion |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $51.07 Billion | 16.18% | 3.28x | $2.25 Billion |
| CSL Finance Limited (CSLFINANCE) | $773.42 Million | 9.31% | 0.08x | $55.14 Million |
| DCM Financial Services Limited (DCMFINSERV) | $-439.02 Million | 0.00% | 0.00x | $1.13 Million |
About 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