Synopsis: Poonawalla Fincorp rallied as the NBFC posted a strong 77.5% YoY & 15.3% QoQ increase in AUM of around Rs 55,000 Crore, mainly due to the continued strong disbursement growth. Also, the NBFC has maintained a healthy liquidity position of around Rs 6,450 cr.
The shares of this company, which is an RBI-registered, systemically important NBFC promoted by the Cyrus Poonawalla Group, offer a wide range of consumer and MSME financing solutions and also offer general insurance services, catering to individuals and small businesses throughout the country, had its shares in the spotlight after reporting a robust 77% growth in its AUM.
With the market cap of Rs 39,302 crore, the shares of Poonawalla Fincorp Ltd had hit their intraday high at Rs 497.20, gaining more than 3 percent compared to their previous day’s closing price of Rs 480.50. The shares are trading at a PE of 180, whereas their industry PE is at 22.7. The shares have given a return of more than 1,000% over the last 5 years.
About the Report
Poonawalla Fincorp has reported solid operational performance for the quarter ending December 31, 2025, itself, with Assets Under Management (AUM) appreciably increasing by 77.5% YoY and 15.3% QoQ to about Rs 55,000 crore. The marked jump in the AUM is a result of continued momentum in disbursements and the broadening of the company’s diversified lending business areas.
Parallel to the AUM base, the company has been maintaining a comfortable liquidity level of around Rs 6,450 crores, which gives sufficient room to accommodate and manage any volatility in the market. The liquidity position of the company has been considered one of the most positive aspects of the NBFC sector, as it enhances the robustness of the balance sheet of the company.
Strategically, management emphasized its risk-first approach, its sound risk management framework, and its focus on developing a long-term sustainable and profitable business model. The complementing factors of its AUM growth, its sound liquidity levels, and its prudent risk management skills enable Poonawalla Fincorp to take advantage of expansion plans while preserving its quality assets.
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Financials and more
The net interest income for the company stands at Rs 764 crores in Q2 FY26 compared to Q2 FY25 revenue of Rs 559 crores, up by about 37 percent YoY. Similarly, the net profit stood at Rs 74 crore in Q2 FY26, up from a Rs 471 crore loss in Q2 FY25.
The company’s recent quarter had impressive traction in newly introduced lending offers. The PL Prime segment displays average monthly disbursements of Rs 400 crore in Q2-FY26. The Gold Loan segment has expanded rapidly, having fetched 160 operational branches in major states, with plans to operate 400 by March 2026. This showcases the aggressive physical expansion of the company.
Other sectors have registered notable advancement. The Consumer Durable Loan segment has gone operational with 10,000-plus dealers at 190 locations (target: 12,000-plus dealers by March 2026), and the Commercial Vehicle Loan segment has started operations at 49 locations in 12 states with the support of 450-plus channel partners.
The Education Loan segment has achieved 200-plus dedicated sales team members and plans to augment the consulting base to 500-plus by March 2026. New products added Rs 2,090-plus crores to disbursements in Q2 FY26 and account for 17% of total disbursements.
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