Cash flow Poonawalla Fincorp Limited

Equities

POONAWALLA

INE511C01022

Consumer Lending

Market Closed - NSE India S.E. Other stock markets 05:19:42 16/07/2025 pm IST			5-day change	1st Jan Change
453.40 ^INR	-0.15%		-3.56%	+44.23%

15/07	Poonawalla Fincorp to Raise INR10.1 Billion Through Debenture Allotment	MT
14/07	India New Issue-Tata Capital accepts bids for bond reissues, bankers say	RE

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Published financial data: POONAWALLA FINCORP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	2.17TCr	1.91TCr	1.82TCr	2.9TCr	3.87TCr
Interest Expense, Total	1.07TCr	681.07Cr	585.21Cr	940.01Cr	1.5TCr
Net Interest Income	1.1TCr	1.23TCr	1.23TCr	1.96TCr	2.38TCr
Commission and Fees	72Cr	64Cr	62Cr	73Cr	192.26Cr
Gain (Loss) on Sale of Assets, Total (Rev)	-	-	-	-	6.18Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-	3T	48L	2.15Cr	-
Other Revenues, Total	114.88Cr	66Cr	127.84Cr	137.77Cr	123Cr
Revenues Before Provison For Loan Losses	1.29TCr	1.36TCr	1.42TCr	2.17TCr	2.7TCr
Provision For Loan Losses	1.44TCr	98Cr	-144.4Cr	59Cr	1.46TCr
Total Revenues	-158.05Cr	1.26TCr	1.56TCr	2.11TCr	1.24TCr
Salaries And Other Employee Benefits	381.53Cr	519.21Cr	514.8Cr	444.42Cr	636.22Cr
Cost of Services Provided, Total	25Cr	58Cr	79Cr	50Cr	60Cr
Depreciation & Amortization - (IS) - (Collected)	56Cr	55Cr	61Cr	59Cr	65Cr
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	129.34Cr	159.86Cr	168.13Cr	242.46Cr	614.61Cr
Total Operating Expenses	592.3Cr	791.63Cr	823.38Cr	795.92Cr	1.38TCr
Operating Income	-750.35Cr	470.19Cr	740.86Cr	1.32TCr	-134.54Cr
Income (Loss) on Equity Invest.	5.48Cr	1.5Cr	-	-	-
Other Non Operating Income (Expenses)	-3.53Cr	20Cr	14L	2.17Cr	-1.14Cr
EBT, Excl. Unusual Items	-748.39Cr	492.14Cr	741Cr	1.32TCr	-135.68Cr
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-37.41L	-46.16L	-7.86Cr	-3.12Cr	-
Other Unusual Items	-	-	18Cr	817.35Cr	28L
EBT, Incl. Unusual Items	-748.77Cr	491.67Cr	751.01Cr	2.13TCr	-135.4Cr
Income Tax Expense	-189.8Cr	116.26Cr	181.19Cr	482.66Cr	-37Cr
Earnings From Continuing Operations	-558.96Cr	375.41Cr	569.82Cr	1.65TCr	-98Cr
Earnings Of Discontinued Operations	-	-	114.16Cr	32Cr	-
Net Income to Company	-558.96Cr	375.41Cr	683.98Cr	1.68TCr	-98Cr
Minority Interest	-	-29.39L	-	-31L	-
Net Income - (IS)	-558.96Cr	375.12Cr	683.98Cr	1.68TCr	-98Cr
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	-558.96Cr	375.12Cr	683.98Cr	1.68TCr	-98Cr
Net Income to Common Excl. Extra Items	-558.96Cr	375.12Cr	569.82Cr	1.65TCr	-98Cr
Per Share Items
Net EPS - Basic	-20.74	5.23	8.94	21.89	-1.27
Basic EPS - Continuing Operations	-20.74	5.23	7.45	21.48	-1.27
Basic Weighted Average Shares Outstanding	27Cr	72Cr	77Cr	77Cr	77Cr
Net EPS - Diluted	-20.74	5.17	8.85	21.64	-1.27
Diluted EPS - Continuing Operations	-20.74	5.17	7.37	21.23	-1.27
Diluted Weighted Average Shares Outstanding	27Cr	73Cr	77Cr	78Cr	77Cr
Normalized Basic EPS	-17.35	4.29	6.05	10.73	-1.1
Normalized Diluted EPS	-17.35	4.23	5.99	10.6	-1.1
Dividend Per Share	-	0.4	2	2	-
Payout Ratio	-	-	4.47	18.26	-
Supplemental Items
Total Revenues (As Reported)	2.35TCr	2.04TCr	2.01TCr	3.15TCr	4.22TCr
Effective Tax Rate - (Ratio)	25.35	23.65	24.13	22.62	27.37
Current Domestic Taxes	12Cr	22Cr	24Cr	600.4Cr	-37Cr
Total Current Taxes	12Cr	22Cr	24Cr	600.4Cr	-37Cr
Deferred Domestic Taxes	-202.3Cr	95Cr	157.01Cr	-117.74Cr	-
Total Deferred Taxes	-202.3Cr	95Cr	157.01Cr	-117.74Cr	-
Normalized Net Income	-467.75Cr	307.29Cr	463.12Cr	824.65Cr	-85Cr
Non-Cash Pension Expense	-16.22L	-24.67L	-33L	-19L	-32L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	5.6Cr	17Cr	150.63Cr	100Cr	108.9Cr
Stock-Based Comp., Other (Total)	-	-	11Cr	1.46Cr	-
Total Stock-Based Compensation	5.6Cr	17Cr	161.49Cr	101.09Cr	108.9Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	374.04Cr	354.78Cr	601.38Cr	255.18Cr	25Cr
Long-Term Investments - (FS Template)	177.37Cr	16T	310.91Cr	878.33Cr	1.34TCr
Trading Asset Securities, Total	-	50.63L	-	-	2.82Cr
Loans and Lease Receivables - (FS Template)	11TCr	15TCr	15TCr	22TCr	33TCr
Other Receivables	172.15Cr	114.77Cr	46Cr	142.68Cr	117.56Cr
Gross Property Plant And Equipment	222.34Cr	256.17Cr	290.06Cr	273.72Cr	357.51Cr
Accumulated Depreciation	-60Cr	-75Cr	-97Cr	-97Cr	-130.12Cr
Net Property Plant And Equipment	161.96Cr	180.68Cr	192.96Cr	177.2Cr	227.39Cr
Goodwill	14Cr	14Cr	14Cr	-	-
Other Intangibles, Total	20Cr	20Cr	19Cr	17Cr	27Cr
Restricted Cash	-	-	53Cr	7.26Cr	7.29Cr
Other Current Assets, Total	562.57Cr	617.69Cr	6.44TCr	336.68Cr	336.76Cr
Deferred Tax Assets Long-Term (Collected)	294.17Cr	197.03Cr	48Cr	163.42Cr	205.48Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	75Cr	92Cr	272.32Cr	62Cr	45Cr
Total Assets	13TCr	16TCr	23TCr	24TCr	35TCr
Liabilities
Accounts Payable, Total	94Cr	15Cr	2.02Cr	1.24Cr	3.93Cr
Accrued Expenses, Total	189.87Cr	190.23Cr	172.89Cr	436.47Cr	386.86Cr
Short-Term Borrowings	3TCr	2.22TCr	3.76TCr	5.93TCr	9.99TCr
Current Portion of Long-Term Debt	2.59TCr	1.64TCr	1.98TCr	2.04TCr	3.97TCr
Current Portion of Leases	7.87Cr	11Cr	16Cr	24Cr	44Cr
Long-Term Debt	4.85TCr	6.05TCr	5.37TCr	7.11TCr	12TCr
Long-Term Leases	34Cr	54Cr	74Cr	111.65Cr	156.77Cr
Current Income Taxes Payable	9.44Cr	36.02L	34L	1L	24L
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	136.62Cr	131.86Cr	4.82TCr	167.64Cr	194.55Cr
Unearned Revenue Non Current	99.05L	1.2Cr	2.51Cr	1.62Cr	18Cr
Pension & Other Post Retirement Benefits	12Cr	11Cr	7.32Cr	7.59Cr	10Cr
Other Non Current Liabilities	100Cr	61Cr	131.35Cr	90Cr	158.69Cr
Total Liabilities	11TCr	10TCr	16TCr	16TCr	27TCr
Preferred Stock Redeemable	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	54Cr	152.98Cr	153.59Cr	154.11Cr	154.58Cr
Additional Paid In Capital	1.81TCr	5.18TCr	5.25TCr	5.42TCr	5.54TCr
Retained Earnings	284.69Cr	659.16Cr	1.31TCr	2.69TCr	2.59TCr
Treasury Stock	-	-	-	-186.05Cr	-177.01Cr
Comprehensive Income and Other	46Cr	61Cr	150.25Cr	95Cr	72Cr
Total Common Equity	2.19TCr	6.06TCr	6.86TCr	8.17TCr	8.17TCr
Minority Interest	-	2.27Cr	12Cr	-	-
Total Equity	2.19TCr	6.06TCr	6.87TCr	8.17TCr	8.17TCr
Total Liabilities And Equity	13TCr	16TCr	23TCr	24TCr	35TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	76Cr	76Cr	77Cr	77Cr	77Cr
ECS Total Common Shares Outstanding	27Cr	76Cr	77Cr	77Cr	77Cr
Book Value / Share	81.39	79.17	89.35	105.99	105.76
Tangible Book Value	2.16TCr	6.02TCr	6.83TCr	8.15TCr	8.15TCr
Tangible Book Value Per Share	80.12	78.73	88.92	105.77	105.41
Total Debt	10TCr	9.97TCr	11TCr	15TCr	26TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-3.07Cr	-4.64Cr	-1.67Cr	-3.78Cr	-5.29Cr
Net Debt	10TCr	9.62TCr	11TCr	15TCr	26TCr
Equity Method Investments, Total	177.37Cr	-	-	-	-
Full Time Employees	5.5T	5.18T	2.45T	2.38T	3.59T
Assets on Operating Lease - Gross	64Cr	50Cr	96Cr	74Cr	51Cr
Assets on Operating Lease - Accumulated Depreciation	-14Cr	-4.43Cr	-30Cr	-34Cr	-30Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	-558.96Cr	375.12Cr	683.98Cr	1.68TCr	-98Cr
Depreciation, Depletion & Amortization	50Cr	49Cr	63Cr	54Cr	60Cr
Total Depreciation, Depletion & Amortization	50Cr	49Cr	63Cr	54Cr	60Cr
Amortization of Deferred Charges, Total	6.08Cr	5.63Cr	5.31Cr	5.46Cr	5.52Cr
(Gain) Loss On Sale of Asset - (CF)	34.27L	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-61.32L	1.94Cr	-339.21Cr	-804.65Cr	2.89TCr
Total Asset Writedown	3L	46.16L	79L	-54L	-7.32Cr
Provision for Credit Losses	1.44TCr	98Cr	144.4Cr	-59Cr	-1.46TCr
(Income) Loss On Equity Investments - (CF)	-5.48Cr	-1.5Cr	-	-	-
Stock-Based Compensation (CF)	5.6Cr	17Cr	161.49Cr	101.09Cr	108.9Cr
Change in Trading Asset Securities	-	-	24L	-	-
Change in Accounts Payable	76Cr	-	-	-	-
Change in Other Net Operating Assets (Collected)	825.47Cr	-3.64TCr	-6.1TCr	-8.37TCr	-12TCr
Other Operating Activities	-198.54Cr	46Cr	-18Cr	-215.56Cr	9.32Cr
Net Cash From Discontinued Operations	-	-	163.16Cr	-197.68Cr	-
Cash from Operations	1.64TCr	-3.05TCr	-5.24TCr	-7.8TCr	-11TCr
Capital Expenditure	-19Cr	-62Cr	-64Cr	-9.41Cr	-28Cr
Sale of Property, Plant, and Equipment	11Cr	24Cr	12Cr	26Cr	15Cr
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	3.53TCr	-
Purchase / Sale of Intangible Assets	-3.17Cr	-39.34L	-18Cr	-8.5Cr	-15Cr
Investment in Marketable and Equity Securities, Total	93Cr	181.88Cr	-42Cr	-384.08Cr	-385.59Cr
Other Investing Activities, Total	-	-	-	-187.95Cr	-15Cr
Cash from Investing	81Cr	143.25Cr	-110.45Cr	2.97TCr	-428.89Cr
Short Term Debt Issued, Total	-	-	1.58TCr	2.17TCr	4.05TCr
Long-Term Debt Issued, Total	2.49TCr	4.73TCr	8.47TCr	11TCr	16TCr
Total Debt Issued	2.49TCr	4.73TCr	10TCr	13TCr	20TCr
Short Term Debt Repaid, Total	-537.31Cr	-556.96Cr	-	-	-
Long-Term Debt Repaid, Total	-3.52TCr	-4.73TCr	-4.27TCr	-8.14TCr	-9.33TCr
Total Debt Repaid	-4.06TCr	-5.29TCr	-4.27TCr	-8.14TCr	-9.33TCr
Issuance of Common Stock	2L	3.47TCr	4.38Cr	30Cr	80Cr
Repurchase of Common Stock	-	-	-	-	-53Cr
Common Dividends Paid	-	-	-31Cr	-307.34Cr	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-31Cr	-307.34Cr	-
Other Financing Activities, Total	-3.95Cr	-5.88Cr	-8.63Cr	-12Cr	-17Cr
Cash from Financing	-1.57TCr	2.9TCr	5.75TCr	4.33TCr	11TCr
Net Change in Cash	151.86Cr	-3.11Cr	401.48Cr	-501.01Cr	-230.53Cr
Supplemental Items
Cash Interest Paid	3.02Cr	5.88Cr	8.63Cr	12Cr	17Cr
Cash Income Tax Paid (Refund)	4.38Cr	51Cr	55Cr	663.55Cr	-30Cr
Net Debt Issued / Repaid	-1.57TCr	-556.85Cr	5.78TCr	4.62TCr	11TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	-3.93	2.53	2.87	6.98	-0.33
Return On Equity %	-22.62	9.1	8.81	21.96	-1.2
Return on Common Equity	-22.62	9.09	8.82	21.97	-1.2
Margin Analysis
Gross Profit Margin %	112.73	96.72	96.92	99.91	99.88
SG&A Margin	-244.6	42.46	34.89	23.29	55.96
Income From Continuing Operations Margin %	353.67	29.75	36.43	78.13	-7.92
Net Income Margin %	353.67	29.73	43.73	79.61	-7.92
Net Avail. For Common Margin %	353.67	29.73	36.43	78.12	-7.92
Normalized Net Income Margin	295.96	24.35	29.61	39.01	-6.83
Asset Turnover
Asset Turnover	-0.01	0.09	0.08	0.09	0.04
Short Term Liquidity
Current Ratio	2.07	3.79	2.08	2.65	2.28
Quick Ratio	1.98	3.64	1.47	2.61	2.25
Operating Cash Flow to Current Liabilities	0.27	-0.73	-0.49	-0.91	-0.72
Long Term Solvency
Total Debt/Equity	477.37	164.63	163.09	186.31	319.07
Total Debt / Total Capital	82.68	62.21	61.99	65.07	76.14
LT Debt/Equity	222.42	100.8	79.22	88.44	147.83
Long-Term Debt / Total Capital	38.52	38.09	30.11	30.89	35.28
Total Liabilities / Total Assets	83.39	63.16	70.4	66.09	76.66
Tier 1 Capital Ratio %	17.36	46.61	37.69	32.28	21.67
Total Capital Ratio %	20.29	49.06	38.91	33.8	22.94
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-119.38	-898.39	54.17	40.3	-41.27
Gross Profit, 1 Yr. Growth %	-122.5	-784.95	55.18	40.83	-41.29
Earnings From Cont. Operations, 1 Yr. Growth %	-2.17T	-167.16	91.2	189.83	-105.95
Net Income, 1 Yr. Growth %	-2.17T	-167.11	82.33	146.02	-105.84
Normalized Net Income, 1 Yr. Growth %	-1.01T	-165.7	89.55	78.47	-110.28
Diluted EPS Before Extra, 1 Yr. Growth %	-2.17T	-124.93	79.76	188.54	-106
Common Equity, 1 Yr. Growth %	-20.15	175.98	13.3	19.03	0.09
Total Assets, 1 Yr. Growth %	-13.3	24.45	41.22	3.73	45.43
Tangible Book Value, 1 Yr. Growth %	-20.32	178.76	13.39	19.35	-0.02
Cash From Operations, 1 Yr. Growth %	64.72	-285.45	82.25	54.05	35.49
Capital Expenditures, 1 Yr. Growth %	-59.11	222.34	1.75	-85.18	199.89
Dividend Per Share, 1 Yr. Growth %	-	-	400	0	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-66.43	24.39	214.6	44.33	-9.23
Gross Profit, 2 Yr. CAGR %	-64.08	24.15	191.71	47.02	-9.07
Earnings From Cont. Operations, 2 Yr. CAGR %	35.6	272.51	0.97	135.4	-58.46
Net Income, 2 Yr. CAGR %	35.6	272.37	10.62	111.8	-62.08
Normalized Net Income, 2 Yr. CAGR %	30.1	143.84	-0.5	83.72	-57.16
Diluted EPS Before Extra, 2 Yr. CAGR %	35.42	127.38	-40.39	127.55	-58.39
Common Equity, 2 Yr. CAGR %	-10.57	48.45	76.83	16.13	9.15
Total Assets, 2 Yr. CAGR %	-11.29	3.87	32.57	21.03	22.82
Tangible Book Value, 2 Yr. CAGR %	-10.59	49.04	77.79	16.33	9.24
Cash From Operations, 2 Yr. CAGR %	33.45	74.78	78.46	64.78	44.47
Capital Expenditures, 2 Yr. CAGR %	-34.76	14.81	81.1	-61.17	-33.34
Dividend Per Share, 2 Yr. CAGR %	-	-	-	123.61	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-49.37	-3.46	24.25	137.37	6.95
Gross Profit, 3 Yr. CAGR %	-47.04	-4.03	24.18	128	8.26
Earnings From Cont. Operations, 3 Yr. CAGR %	33.13	7.29	176.17	43.49	-30.9
Net Income, 3 Yr. CAGR %	33.13	7.26	193.5	44.39	-36
Normalized Net Income, 3 Yr. CAGR %	36.4	3.6	107.71	20.81	-29.72
Diluted EPS Before Extra, 3 Yr. CAGR %	27.66	-22.97	94.61	0.78	-32.26
Common Equity, 3 Yr. CAGR %	3.62	30.2	35.66	54.97	10.52
Total Assets, 3 Yr. CAGR %	-3.92	-0.69	15.07	22.16	28.67
Tangible Book Value, 3 Yr. CAGR %	3.86	30.61	36.06	55.67	10.6
Cash From Operations, 3 Yr. CAGR %	61.62	48.92	73.75	68.03	54.37
Capital Expenditures, 3 Yr. CAGR %	-23.85	11.11	10.28	-21.38	-23.25
Dividend Per Share, 3 Yr. CAGR %	-	-20.63	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-35.36	4.4	5.14	8.55	8.76
Gross Profit, 5 Yr. CAGR %	-33.65	4.05	4.8	8.87	9.38
Earnings From Cont. Operations, 5 Yr. CAGR %	21.23	96.75	19.19	40.28	29.45
Net Income, 5 Yr. CAGR %	21.47	78.93	23.62	40.81	29.45
Normalized Net Income, 5 Yr. CAGR %	19.86	49.45	20.23	24.44	10.41
Diluted EPS Before Extra, 5 Yr. CAGR %	18.54	43.15	-5.86	13.42	4.97
Common Equity, 5 Yr. CAGR %	0.4	22.76	28.32	24.38	24.36
Total Assets, 5 Yr. CAGR %	-3.17	3.84	9.29	7.49	18.11
Tangible Book Value, 5 Yr. CAGR %	0.95	23.7	28.77	24.7	24.62
Cash From Operations, 5 Yr. CAGR %	17.54	0.67	68.15	53.24	60.31
Capital Expenditures, 5 Yr. CAGR %	-	-	7.69	-27.03	-9.83
Dividend Per Share, 5 Yr. CAGR %	-	-12.94	20.11	20.11	-