Poonawalla Fincorp Limited
Financial trend (100/100) does the heavy lifting; valuation (3/100) is the drag.
ExpensiveOvervaluedPoonawalla Fincorp Limited earns a Hold from StocksWizard, with a blended score of 45/100. At ₹463.55 it trades above our blended DCF and relative-multiples fair value of ₹231.78, about 50% downside to that estimate — we read it as overvalued by 50%. On 62.9x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 15% below its 52-week high of ₹542.5 and 26% above the low of ₹368.4. Financial health scores 53/100, with a Piotroski F-score of 3/9. The average analyst target of ₹489 implies about 5% upside across 9 analysts. It clears 6 of 12 investability checks, with durability 56, valuation 6 and momentum 71 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹185.42.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-14.55% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 5.9%
- Fail: Low debt (D/E < 0.5): 4.70x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 67%
- Pass: Earnings growing: 288%
- Pass: Net margin ≥ 10%: 18.6%
- Pass: Current ratio > 1.5: 11271.43
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter62.8%
- Institutions18.7%
- Public & other18.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (18.6%).
Opportunities
- Earnings growing (288% YoY).
- Revenue growing (67% YoY).
Bear case
Weaknesses
- Low return on equity (5.9%).
- High debt relative to equity.
- Weak Piotroski score (3/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About Poonawalla Fincorp Limited
Poonawalla Fincorp Limited is a non-banking finance company offering consumer and MSME financing in India. Its loan products include personal, business, commercial vehicle, consumer durable, gold, education, professional, pre-owned car, medical equipment, and machinery loans, alongside digital personal and shopkeeper loans, loans against property, and mid-market lending. The company also provides supply chain financing and credit leasing services.
Poonawalla Fincorp Limited — frequently asked questions
Is Poonawalla Fincorp Limited a buy, hold or sell?
StocksWizard currently rates Poonawalla Fincorp Limited (POONAWALLA) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Poonawalla Fincorp Limited's fair value?
Our blended DCF and relative-valuation model estimates Poonawalla Fincorp Limited's fair value at about ₹231.78, versus a current price of ₹463.55 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Poonawalla Fincorp Limited financially healthy?
Poonawalla Fincorp Limited scores 53/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Poonawalla Fincorp Limited's share price performed?
Poonawalla Fincorp Limited is up 6% over three months, and last traded at ₹463.55. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.