FINANCIAL SERVICES · NSE/BSE: POONAWALLA

Poonawalla Fincorp Limited Earnings Summary — Q2 FY2027

Sentiment: Positive

AI-generated summary

Generated 2026-10-10

Generated using: Official Earnings Press Release Earnings Call Transcript

Poonawalla Fincorp Q2 FY27 Net Profit Surges 405% YoY to ₹375 Cr on Strong Asset Growth and Expanding Operating Leverage

Quarterly Business Intelligence

Q2 FY2027

Financials from Financial Intelligence · data as of 2026-09-30

Revenue

₹2,625 Cr

QoQ +12.6%YoY +70.2%

Net Profit

₹375 Cr

QoQ +21.8%YoY +405.2%

Operating Profit

₹1,571 Cr

QoQ +15.8%YoY +107.1%

Operating Margin

59.9%

QoQ +164 bpsYoY +1067 bps

AI Quarterly Scorecard™

/ 100

Excellent

Revenue Momentum98

Profit Growth92

Margin Expansion100

Growth Consistency100

Operating Efficiency87

Financial Stability46

Computed deterministically from the last 10 reported quarters.

Quarterly Business Momentum

Revenue & Growth

Revenue has increased for 10 consecutive quarters.
Revenue of ₹2,625 Cr is 70.2% higher year-on-year.
Revenue has compounded at 55.1% annualised over the last 10 quarters.
Revenue is at its highest level in 10 quarters.

Profitability

Net profit has reached its highest level in 10 quarters.
Net profit of ₹375 Cr is 405.2% above the same quarter last year.
Profit growth is outpacing revenue growth, pointing to positive operating leverage.
Net profit has compounded at 13.4% annualised across the period.

Margins

Operating margin stands at 59.9% in Q2 FY2027.
Operating margin expanded by 1067 bps year-on-year.
Over the last two years operating margin has expanded by 8723 bps.
PBT margin is 19.1%.

Operating Efficiency

Expense growth of 34.5% remained below revenue growth of 70.2%.
Operating profit of ₹1,571 Cr is 107.1% higher year-on-year.
Operating leverage continues to improve.

Overall Momentum

6 of the last 6 measured quarters delivered year-on-year revenue growth.
Overall quarterly business momentum scores 87/100 (Excellent) 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 Q2 FY2027	Q1 FY2027	Q4 FY2026	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025
Revenue	Improving	2,625	2,330	2,115	1,818	1,542	1,314	1,166	1,057	989	978
Expenses	Volatile	1,054	974	910	855	784	662	615	632	1,260	272
Operating Profit	Volatile	1,571	1,357	1,206	963	759	652	551	425	-271	706
Operating Margin	Volatile	59.9%	58.2%	57.0%	53.0%	49.2%	49.6%	47.3%	40.2%	-27.4%	72.2%
Other Income	Accelerating	0	7	5	0	0	0	7	0	8	18
Interest	Strong Uptrend	1,035	922	844	739	638	546	458	385	352	320
Depreciation	Improving	35	30	26	24	22	22	20	15	16	15
Profit Before Tax	Volatile	501	411	341	200	99	83	80	25	-630	390
Tax	Volatile	126	104	86	50	25	21	18	6	-159	98
Net Profit	Volatile	375	308	255	150	74	63	62	19	-471	292
Net Margin	Volatile	14.3%	13.2%	12.0%	8.3%	4.8%	4.8%	5.3%	1.8%	-47.6%	29.8%

Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q2 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-09-30

Key Takeaways

Consolidated net profit for Q2 FY27 surged 405.2% YoY and 21.8% QoQ to ₹374.85 crore, driven by robust loan book expansion and expanding margins.
Total revenue from operations rose 70.2% YoY to ₹2,624.50 crore, supported by a 72.3% YoY jump in interest income to ₹2,415.54 crore and a doubling of fee income.
Gross loan book crossed ₹69,562.71 crore as of September 30, 2026, marking a significant expansion from ₹55,951.49 crore as of March 31, 2026.
Impairment on financial instruments stood at ₹346.37 crore for the quarter, declining sequentially from ₹353.57 crore in Q1 FY27.
Total comprehensive income reached ₹399.70 crore compared to ₹82.96 crore in Q2 FY26 and ₹300.33 crore in Q1 FY27.
The Board approved the re-appointment of Independent Director Ms. Kemisha Soni for a second three-year term effective January 30, 2027.

Management Guidance

Management emphasizes harvesting operating leverage across newly scaled verticals (prime personal loans, gold loans, consumer durables, education loans, and used CVs). With tech and AI investments operational, the company aims to sustain lower opex-to-AUM ratios, maintain stable credit costs via predictive AI collection engines, and expand return on assets systematically.

Sentiment Shift

Improving

Earnings momentum accelerated with PAT expanding >400% YoY, sequential moderation in credit provisioning, and solid disbursement momentum across high-margin retail lending products.

confident

growth-oriented

disciplined

digitally-driven

Outlook

The company is positioned for continued balance sheet scaling backed by a strong capital base (following the ₹2,500 Cr QIP earlier in the fiscal year), expansion in Tier-2/Tier-3 gold loan branches, and sustained improvement in asset quality metrics.

From the Annual Report (Key Quotes)

“We have moved past the lifting of initial business setup and now firmly in the phase of harvesting operating leverage.”

“Our strategic focus on scaling our six new business lines while maintaining rigorous cost discipline is now yielding tangible results.”

“The step-by-step execution of risk calibrated framework across origination, risk containment and collections is translating into a structurally stronger portfolio.”

Official Quarterly Documents

Earnings Press Release

Official quarterly earnings release published by the company.

Download

Earnings Call Transcript

Management discussion and analyst Q&A.

Ask AI about this quarter

This summary is AI-generated from Poonawalla Fincorp Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.