Poonawalla Fincorp Ltd (POONAWALLA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Part of MojoOne Strategy

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

IIFL Finance

Capri Global

Poonawalla Fin

M & M Fin. Serv.

Manappuram Fin.

HDB FINANC SER

SBI Cards

Authum Invest.

Sundaram Finance

Tata Inv.Corpn.

Chola Financial

Why is Poonawalla Fincorp Ltd ?

Strong Long Term Fundamental Strength with a 71.48% CAGR growth in Operating Profits

Healthy long term growth as Operating profit has grown by an annual rate of 71.48%

With a growth in Net Profit of 20.77%, the company declared Outstanding results in Jun 26

The company has declared positive results for the last 4 consecutive quarters
PBT LESS OI(Q) At Rs 404.56 cr has Grown at 125.3% (vs previous 4Q average)
NET SALES(Q) Highest at Rs 2,330.22 cr
PBDIT(Q) Highest at Rs 1,356.61 cr.

High Institutional Holdings at 27.7%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Poonawalla Fin should be less than 10%
Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Poonawalla Fin for you?

High Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Poonawalla Fin

-0.26%

-0.01

37.04%

Sensex

-8.01%

-0.60

13.46%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

28.45%

EBIT Growth (5y)

71.48%

Net Debt to Equity (avg)

4.68

Institutional Holding

27.70%

ROE (avg)

6.48%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.82

EV to EBIT

20.97

EV to EBITDA

20.47

EV to Capital Employed

1.50

EV to Sales

11.23

PEG Ratio

0.16

Dividend Yield

ROCE (Latest)

5.96%

ROE (Latest)

5.24%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

37What is working for the Company

PBT LESS OI(Q)

At Rs 404.56 cr has Grown at 125.3% (vs previous 4Q average

NET SALES(Q)

Highest at Rs 2,330.22 cr

PBDIT(Q)

Highest at Rs 1,356.61 cr.

PAT(Q)

Highest at Rs 307.71 cr.

CASH AND CASH EQUIVALENTS(HY)

Highest at Rs 293.68 cr

OPERATING PROFIT TO NET SALES(Q)

Highest at 58.22%

EPS(Q)

Highest at Rs 3.51

-3What is not working for the Company

DEBT-EQUITY RATIO(HY)

Highest at 4.68 times

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Here's what is working for Poonawalla Fin

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 404.56 cr has Grown at 125.3% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 179.54 Cr

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 307.71 cr has Grown at 127.2% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs 135.45 Cr

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Net Sales - Quarterly

Highest at Rs 2,330.22 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Highest at Rs 1,356.61 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 404.56 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 307.71 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Net Sales - Quarterly

At Rs 2,330.22 cr has Grown at 37.3% (vs previous 4Q average)

over average Net Sales of the previous four quarters of Rs 1,697.55 Cr

MOJO Watch

Near term sales trend is positive

Net Sales (Rs Cr)

Operating Profit Margin - Quarterly

Highest at 58.22%

in the last five quarters

MOJO Watch

Company's efficiency has improved

Operating Profit to Sales

Earnings per Share (EPS) - Quarterly

Highest at Rs 3.51

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Cash and Cash Equivalents - Half Yearly

Highest at Rs 293.68 cr

in the last six half yearly periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Poonawalla Fin

Debt-Equity Ratio - Half Yearly

Highest at 4.68 times and Grown

each half year in the last five half yearly periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Non Operating Income - Quarterly

Highest at Rs 6.70 cr

in the last five quarters

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating Income