Poonawalla Fin (POONAWALLA)
TurnaroundFairStock Score: 37/100 — MIXED
Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹497.9 |
| Market Cap | ₹43,600.22 Cr |
| P/E Ratio | 52.08 |
| ROCE | 4.77% |
| ROE | 4.27% |
| Dividend Yield | 0% |
| Profit Growth | 337% |
| Debt/Equity | 4.68 |
| Sales Growth | 100.3% |
| Free Cash Flow | ₹-11,051 Cr |
| Promoter Holding | 63.95% |
| 52-Week Range | ₹361.2 — ₹512.5 |
| Sector | Finance |
| Book Value | ₹128.07 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
When I look at Poonawalla Fin, I see a growing financial franchise that is being priced as if the growth already guarantees excellent returns. But the numbers do not support the price. At ₹420, I am paying a P/E of nearly 106 and over 4 times book for an ROE of only 4.27%. Benjamin Graham taught me to pay a fair price for reliable earning power. This business, for now, earns a return that any bond investor could get without taking financial leverage risk. The leverage is striking: debt/equity of 3.19, while free cash flow is deeply negative at -₹11,051 Cr. For an NBFC, some negative operating cash flow can accompany loan growth, but an Altman Z-score of 1.30 and an EV/EBITDA of 877 tell me the market is paying a speculative price for uncertain asset quality.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer