Piramal Finance.

Is Piramal Finance. overvalued or undervalued?

As of November 20, 2025, Piramal Finance is considered very expensive and overvalued, with a negative PE ratio of -2.83, an EV to EBITDA of -8.67, and a troubling ROE of -48.95%, contrasting sharply with its peers like HUDCO and LIC Housing Finance, despite a remarkable stock return of 7768.08% over the past five years.

As of 20 November 2025, the valuation grade for Piramal Finance has moved from risky to very expensive. The company is currently overvalued, as indicated by its negative PE ratio of -2.83 and an EV to EBITDA ratio of -8.67, which are significantly lower than industry standards. Additionally, the return on equity (ROE) stands at a concerning -48.95%, further highlighting the company's financial struggles.<BR><BR>In comparison to its peers, Piramal Finance's valuation metrics starkly contrast with companies like HUDCO, which has a PE ratio of 16.94 and an EV to EBITDA of 15.20, and LIC Housing Finance, with a PE of 5.53 and an EV to EBITDA of 11.18. These comparisons underscore the overvaluation of Piramal Finance, especially given its current market price of 1675.90, which is near its 52-week high of 1714.00. Notably, despite the company's impressive stock return of 7768.08% over the past five years, this performance does not align with its current financial health and valuation metrics.

How has been the historical performance of Piramal Finance.?

Piramal Finance has demonstrated a strong recovery in its financial performance, with net sales increasing from 6,120.81 Cr in March 2022 to 10,269.56 Cr in March 2025, and operating profit rising significantly to 5,661.55 Cr. The company also reported a profit before tax of 508.28 Cr and a positive earnings per share of 21.54 in March 2025.

Answer:<BR>The historical performance of Piramal Finance shows a fluctuating trend in key financial metrics over the years, with significant improvements noted in the most recent fiscal year.<BR><BR>Breakdown:<BR>Piramal Finance's net sales have increased from 6,120.81 Cr in March 2022 to 10,269.56 Cr in March 2025, marking a substantial recovery from previous years. The total operating income followed a similar trajectory, rising from 6,120.81 Cr in March 2022 to 10,269.56 Cr in March 2025. Operating profit, excluding other income, saw a remarkable increase from 946.71 Cr in March 2023 to 5,661.55 Cr in March 2025, indicating improved operational efficiency. The profit before tax turned positive at 508.28 Cr in March 2025, recovering from significant losses in prior years, while profit after tax also improved to 348.84 Cr. The earnings per share (EPS) reflected this positive trend, rising to 21.54 in March 2025 from a negative EPS in the previous year. The operating profit margin increased to 62.19% in March 2025, showcasing enhanced profitability. On the balance sheet, total liabilities decreased from 1,06,168.02 Cr in March 2019 to 80,786.37 Cr in March 2020, while total assets also saw a decline, indicating a tightening of financial conditions. Cash flow from operating activities turned positive at 12,576.00 Cr in March 2020, a significant improvement from negative cash flows in earlier years. Overall, Piramal Finance has shown a strong recovery in its financial performance, particularly in the latest fiscal year.

Is Piramal Finance. technically bullish or bearish?

As of December 3, 2025, the trend is bullish due to positive MACD and KST readings, although bearish RSI signals indicate some momentum weakness.

As of 3 December 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish, driven primarily by the weekly and monthly MACD readings, which are both bullish, along with a bullish KST on both time frames. The daily moving averages also support a bullish outlook. However, the RSI indicates bearish conditions on both weekly and monthly charts, suggesting some weakness in momentum. The Bollinger Bands are mildly bullish, indicating potential upward movement but with caution. Overall, while the trend is bullish, the strength is tempered by the bearish RSI readings.

Are Piramal Finance Ltd latest results good or bad?

Piramal Finance Ltd's latest Q3 FY26 results are strong, with a net profit of ₹326.83 crores (up 100.55% year-on-year) and net sales growth of 21.42%. However, the company still faces challenges, particularly with a low return on equity of 2.35%.

Piramal Finance Ltd's latest results for Q3 FY26 indicate a strong performance overall. The company reported a net profit of ₹326.83 crores, which is a remarkable 100.55% increase year-on-year. Additionally, net sales reached ₹2,871.55 crores, reflecting a 21.42% growth compared to the same quarter last year. <BR><BR>The operating margin improved significantly to 70.80%, up 730 basis points year-on-year, and the PAT margin also saw a healthy increase to 11.88%, up 464 basis points year-on-year. This marks the third consecutive quarter of positive earnings growth, showcasing a sustainable recovery trajectory following a challenging period in FY20 when the company faced substantial losses.<BR><BR>Moreover, the company has demonstrated strong sequential momentum, with net profit rising 18.26% quarter-on-quarter and net sales increasing by 8.80% from the previous quarter. This consistent growth and margin expansion indicate improved operational efficiency and better asset quality management.<BR><BR>However, it is important to note that despite these positive results, Piramal Finance still faces challenges, particularly regarding its return on equity, which stands at a low 2.35%. This is significantly below industry standards, reflecting the legacy issues from its past financial difficulties.<BR><BR>In summary, while the latest results are indeed good, indicating a solid recovery and growth, the company still has hurdles to overcome in terms of overall financial health and market competitiveness.

Should I buy, sell or hold Piramal Finance Ltd?

Which are the latest news on Piramal Finance.?

Why is Piramal Finance Ltd falling/rising?

As of 09-Mar, Piramal Finance Ltd's stock price is declining, with a recent drop of 1.15% and a total decrease of 2.84% over the last two days. Despite this downturn, the stock has outperformed its sector today and has shown positive returns over the past month and year-to-date.

As of 09-Mar, Piramal Finance Ltd's stock price is currently falling, as indicated by a change of -20.5, which represents a decline of 1.15%. The stock has experienced a consecutive fall over the last two days, resulting in a total decrease of -2.84% during this period. Additionally, the stock touched an intraday low of Rs 1686.65, reflecting a significant drop of 4.99% at that point.<BR><BR>Despite the recent downturn, it is noteworthy that the stock has outperformed the sector by 0.31% today. However, the overall performance over the past week shows a decline of -2.53%, while the benchmark Sensex has fallen by -3.33%. In the context of longer-term performance, the stock has shown positive returns over the past month (+1.88%) and year-to-date (+6.98%), contrasting with the Sensex's declines of -7.73% and -8.98%, respectively.<BR><BR>The stock's liquidity remains adequate, with a delivery volume that has increased significantly by 228.3% compared to the 5-day average, indicating rising investor participation. However, the moving averages suggest that the stock is currently lower than its 5-day, 20-day, and 50-day moving averages, which may contribute to the perception of a downward trend.<BR><BR>In summary, while Piramal Finance Ltd has demonstrated strong financial performance with substantial growth in net profit and sales, the recent price decline can be attributed to a combination of consecutive falls, intraday lows, and the stock's position relative to its moving averages.