Financial Services · NSE/BSE: PIRAMALFIN
Piramal Finance Limited
Housing Finance Company
Market Cap ₹0.45L Cr
Verdict: Average
Quality Scores
Multi-Bagger
74/100
Compounder Quality
58/100
Management Credibility
72/100
Governance
82/100
Cash Flow Quality
40/100
AI Summary
Piramal Finance Limited (PIRAMALFIN) is currently undergoing a massive structural transformation, transitioning from a wholesale-heavy real estate lender to a retail-focused NBFC-ICC. The financial history is marked by significant volatility, including deep losses in FY20, FY21, and FY23 due to massive impairments and legacy asset write-downs. Recent results for FY25 and FY26 show a return to profitability and a sharp pivot towards retail loans like home and used car loans. While the company has secured a stable capital base with a high equity cushion following recent demerger activities, the…
Top Opportunities
- Successful transition to a Retail-focused loan book
- Strong promoter group backing (Piramal Group)
- Received NBFC-ICC license in 2025
Top Risks
- Extremely low ROE of 0.94% currently
- High Debt/Equity ratio compared to peers
- Low interest coverage ratio
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