Poonawalla Fincorp Ltd.POONAWALLA₹539.15 +2.81%

Poonawalla Fincorp Ltd. announced strong provisional business results for the quarter ended September 30, 2025 (Q2 FY26). The company’s Assets Under Management (AUM) soared by a remarkable 67.7% year-on-year (YoY) and 15.4% quarter-on-quarter (QoQ), reaching approximately ₹47,625 crore.

The company maintained a strong liquidity position of around ₹6,200 crore. This robust growth is underpinned by its risk-first approach, diversified asset base, and commitment to a sustainable, profitable expansion model.

The previous quarter (Q1 FY26) had also reported healthy momentum, with AUM at ₹41,273 crore (up 53.0% YoY and 15.8% QoQ). Net Interest Income (NII), inclusive of fee and other income, grew to ₹768 crore (a 13.6% YoY increase), and Profit After Tax (PAT) stood at ₹63 crore. Asset quality remained stable, with Gross NPA (GNPA) flat QoQ at 1.84%, and overall credit cost improved to 2.61% of AUM.

Moving forward, management is focused on building a Sustainable, Predictable, and Productive business. Key plans for FY26 include expanding the ‘Phygital’ distribution model by launching 400 branches, primarily for the Gold Loan business. 

While operating expenses (Opex) are expected to rise in the first two quarters due to new business investments, management anticipates Opex as a percentage of AUM to stabilize by Q4 FY26. The company is aspiring for 5-6x AUM growth over the next five years.

Let’s take a look at its Factor Analysis scores:

Note: The stock prices mentioned are as of 11:45 AM

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