Poonawalla Fincorp Ltd
NSE: POONAWALLA BSE: 524000
₹368.40
(-4.20%)
Wed, 08 Apr 2026, 06:15 am
Market Cap299.44B
PE Ratio83.51
Dividend0
Finance
Finance/Rental/Leasing
24.5KPoonawalla Fincorp Analysis
dividend
- Dividends per share have increased over the past 10 years.
- Dividends paid are thoroughly covered by earnings (6.9x coverage).
- Dividends after 3 years are expected to be thoroughly covered by earnings (16.7x coverage).
- Dividends per share have been stable in the past 10 years.
- Magma Fincorp's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Magma Fincorp's dividend is above the markets top 25% of dividend payers in India (3.08%).
future
- Magma Fincorp's earnings are expected to grow significantly at over 20% yearly.
- Magma Fincorp's earnings growth is expected to exceed the India market average.
- Magma Fincorp's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Magma Fincorp's earnings are expected to exceed the low risk growth rate next year.
- Magma Fincorp's net income is expected to increase by more than 50% in 2 years time.
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- An improvement in Magma Fincorp's performance (ROE) is expected over the next 3 years.
- Magma Fincorp's revenue growth is expected to exceed the India market average.
- Magma Fincorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Magma Fincorp's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Magma Fincorp's revenue is expected to grow by 8.3% yearly, however this is not considered high growth (20% yearly).
health
- Magma Fincorp is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Magma Fincorp is profitable, therefore cash runway is not a concern.
- Magma Fincorp is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.2x debt.
- Magma Fincorp's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (555.8% vs 452.1% today).
- Low level of unsold assets.
- Debt is not well covered by operating cash flow (1.9%, less than 20% of total debt).
- Magma Fincorp's level of debt (452.1%) compared to net worth is high (greater than 40%).
management
- The tenure for the Magma Fincorp board of directors is about average.
- Sanjay's compensation has been consistent with company performance over the past year, both up more than 20%.
- The tenure for the Magma Fincorp management team is about average.
- Sanjay's remuneration is higher than average for companies of similar size in India.
misc
- Magma Fincorp has significant price volatility in the past 3 months.
past
- Magma Fincorp's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
- Magma Fincorp's 1-year earnings growth is negative, it can't be compared to the 5-year average.
- Magma Fincorp used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Magma Fincorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Magma Fincorp's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.
value
- Magma Fincorp is good value based on assets compared to the IN Consumer Finance industry average.
- Magma Fincorp is good value based on expected growth next year.
- Magma Fincorp is good value based on earnings compared to the IN Consumer Finance industry average.
- Magma Fincorp is good value based on earnings compared to the India market.
- NSEI:MAGMA is up 35.7% outperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:MAGMA is up 35.7% outperforming the market in India which returned 8% over the past month.
- Magma Fincorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Magma Fincorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- MAGMA underperformed the Consumer Finance industry which returned -28.8% over the past year.
- MAGMA underperformed the Market in India which returned -14.5% over the past year.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800