Poonawalla Fincorp Limited Earnings Summary — Q4 FY2026
Poonawalla Fincorp Achieves Record Quarterly Revenues Amid Strong Profit Recovery
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 10 consecutive quarters.
- Revenue of ₹2,330 Cr is 77.3% higher year-on-year.
- Revenue has compounded at 51.5% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit of ₹308 Cr is 391.5% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at -3.7% annualised across the period.
- Operating margin stands at 58.2% in Q1 FY2027.
- Operating margin expanded by 864 bps year-on-year.
- Over the last two years operating margin has contracted by 1400 bps.
- PBT margin is 17.6%.
- Expense growth of 47.0% remained below revenue growth of 77.3%.
- Operating profit of ₹1,357 Cr is 108.2% higher year-on-year.
- Operating leverage continues to improve.
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 79/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 2,330 | 2,115 | 1,818 | 1,542 | 1,314 | 1,166 | 1,057 | 989 | 978 | 915 |
| Expenses | Volatile | 974 | 910 | 855 | 784 | 662 | 615 | 632 | 1,260 | 272 | 241 |
| Operating Profit | Volatile | 1,357 | 1,206 | 963 | 759 | 652 | 551 | 425 | -271 | 706 | 674 |
| Operating Margin | Volatile | 58.2% | 57.0% | 53.0% | 49.2% | 49.6% | 47.3% | 40.2% | -27.4% | 72.2% | 73.6% |
| Other Income | Accelerating | 7 | 5 | 0 | 0 | 0 | 7 | 0 | 8 | 18 | 7 |
| Interest | Strong Uptrend | 922 | 844 | 739 | 638 | 546 | 458 | 385 | 352 | 320 | 281 |
| Depreciation | Improving | 30 | 26 | 24 | 22 | 22 | 20 | 15 | 16 | 15 | 14 |
| Profit Before Tax | Volatile | 411 | 341 | 200 | 99 | 83 | 80 | 25 | -630 | 390 | 385 |
| Tax | Volatile | 104 | 86 | 50 | 25 | 21 | 18 | 6 | -159 | 98 | 54 |
| Net Profit | Volatile | 308 | 255 | 150 | 74 | 63 | 62 | 19 | -471 | 292 | 332 |
| Net Margin | Volatile | 13.2% | 12.0% | 8.3% | 4.8% | 4.8% | 5.3% | 1.8% | -47.6% | 29.8% | 36.3% |
Key Takeaways
- Revenue grew by 81% year-on-year, reaching a record 2,115 Cr in Q4 FY2026.
- Net profit saw a sharp recovery to 255 Cr, up 311% compared to the 62 Cr reported in the same quarter last year.
- Financing margins improved significantly to 17% in the latest quarter from 8% a year ago.
- Interest expenses rose to 844 Cr, reflecting the scale-up in borrowings to fund the growing loan book.
- The company successfully navigated the volatility seen in Sep 2024, returning to a path of consistent quarterly profit growth.
- Borrowings have expanded significantly to 48,436 Cr to support the digital-first lending model.
Management Guidance
The company continues its shift toward a technology-driven, urban consumer and MSME lending model with a focus on high-yield retail products.
Sentiment Shift
Improving
The business has recovered strongly from the provision-heavy quarters of FY25, with margins and net profit trending upward.
Outlook
Poonawalla Fincorp is positioned as an emerging compounder with explosive top-line growth, though management must manage rising interest costs and credit quality to sustain the 'pedigree premium' valuation.
From the Annual Report (Key Quotes)
“The business has shifted from a credit-heavy rural focus to a technology-driven, urban consumer and MSME lending model.”
“The current leadership has demonstrated speed in execution, scaling the branchless and digital-first model rapidly.”
“While FY21 saw massive write-offs to clean the books, the post-infusion era shows explosive growth.”
Official Quarterly Documents
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This summary is AI-generated from Poonawalla Fincorp Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.