POONAWALLA.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio14.52
Net Profit Margin0.57
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio14.77
Debt to Equity1.86
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: High income of the company when compared with its equity, which means efficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.57
Return on Assets0.26
Return on Equity0.21
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It has a good balance between assets & liabilities and would be just able to cover its short-term liabilities

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio1.34
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio14.77
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio1.86
Interest Coverage Ratio110.84
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio14.52
Gross Profit Margin0.58
Price to Book Ratio2.99
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Poonawalla Fincorp Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 240869000000 232206000000 164427000000
Total Non Current Assets 125210000000 133413000000 102705000000
Other Non Current Assets 198500000 107200000 166400000
Non Current Prepaid Assets 1717000000 1143900000 1157700000
Non Current Deferred Taxes Assets 1634200000 476800000 1970300000
Financial Assets - - 5063000
Investment In Financial Assets 1746700000 1320600000 1010600000
Held To Maturity Securities - - -
Available For Sale Securities 1746700000 1320600000 1010600000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 172600000 331100000 340600000
Other Intangible Assets 172600000 188100000 197600000
Goodwill - 143000000 143000000
Net Ppe 1511900000 1753000000 1664700000
Accumulated Depreciation -625600000 -970900000 -754700000
Gross Ppe 2137500000 2723900000 2419400000
Construction In Progress - - -
Other Properties 914100000 1085500000 949800000
Machinery Furniture Equipment 1157400000 1502100000 1278800000
Buildings And Improvements 66000000 133300000 187800000
Land And Improvements - 3000000 3000000
Properties - - -
Current Assets 115659000000 98793500000 61722300000
Other Current Assets 329600000 471700000 333100000
Hedging Assets Current - - 5100000
Assets Held For Sale Current 507000000 12921600000 1826200000
Restricted Cash - - -
Prepaid Assets - - -
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 102299000000 71219500000 52113300000
Taxes Receivable 1717000000 1143900000 1157662000
Accounts Receivable 223900000 186400000 140300000
Allowance For Doubtful Accounts Receivable -125000000 - -
Gross Accounts Receivable 348900000 186400000 -
Cash Cash Equivalents And Short Term Investments 12300100000 13994300000 7304300000
Other Short Term Investments 9748300000 7980500000 3757200000
Cash And Cash Equivalents 2551800000 6013800000 3547100000
Cash Equivalents - 900000 3252000000
Cash Financial 2551800000 6012900000 295100000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 148250000000 105182000000 95541200000
Total Debt 152157000000 112092000000 99734200000
Total Liabilities Net Minority Interest 159198000000 163474000000 103845000000
Total Non Current Liabilities Net Minority Interest 72607100000 90023600000 64170100000
Other Non Current Liabilities 202400000 768300000 7100000
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 72226300000 54447000000 61067800000
Long Term Capital Lease Obligation 1116500000 736300000 535900000
Long Term Debt 71109800000 53710700000 60531900000
Long Term Provisions 78700000 76200000 91200000
Current Liabilities 86591100000 73450800000 39674700000
Other Current Liabilities 746900000 126500000 820600000
Current Deferred Taxes Liabilities 100000 3400000 3600000
Current Debt And Capital Lease Obligation 79930900000 57644600000 38666400000
Current Capital Lease Obligation 239400000 159500000 110000000
Current Debt 79691500000 57485100000 38556400000
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions 6600000 6400000 30100000
Payables 33700000 20200000 151300000
Other Payable 21300000 - 1826161000
Dividends Payable - - 2323000
Total Tax Payable 100000 3400000 3602000
Accounts Payable 12400000 20200000 151300000
Common Stock Equity 81670800000 68614000000 60559500000
Total Capitalization 152781000000 122325000000 121091000000
Total Equity Gross Minority Interest 81670800000 68731700000 60582300000
Minority Interest - 117700000 22800000
Stockholders Equity 81670800000 68614000000 60559500000
Other Equity Interest 635300000 1187200000 227500000
Treasury Stock 1860500000 - -
Retained Earnings 17594600000 7047600000 1964700000
Additional Paid In Capital 54327500000 52619000000 51824800000
Capital Stock 1541100000 1535900000 1529800000
Common Stock 1541100000 1535900000 1529800000

Income statement interpretation for Poonawalla Fincorp Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 29506400000 18716600000 15146100000
Operating Revenue 29506400000 18716600000 15146100000
Cost Of Revenue 12467100000 8798300000 8098400000
Gross Profit 17039300000 9918300000 7047700000
Ebitda 22179500000 8791200000 5135200000
Ebit 21536000000 8014900000 4589700000
Operating Income 12155300000 5244300000 4702300000
Net Income 16827500000 6839800000 3751300000
Net Income From Continuing Operation Net Minority Interest 16512000000 5687600000 2977400000
Net Income From Continuing And Discontinued Operation 16827500000 6839800000 3751300000
Net Income Common Stockholders 16827500000 6839800000 3751300000
Net Income Including Noncontrolling Interests 16830600000 6850300000 3754200000
Net Income Discontinuous Operations 315500000 1152200000 773900000
Net Income Continuous Operations 16515100000 5698100000 2980300000
Normalized Income 9636773100 4330808200 3479337750
Normalized Ebitda 13650500000 7013200000 5798700000
Total Unusual Items 8529000000 1778000000 -663500000
Total Unusual Items Excluding Goodwill 8529000000 1778000000 -663500000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 643500000 776300000 545500000
Reconciled Cost Of Revenue 12467100000 8798300000 8098400000
Total Expenses 17351100000 13472300000 10443800000
Operating Expense 4884000000 4674000000 2345400000
Other Operating Expenses 1928800000 1357900000 768700000
Depreciation And Amortization In Income Statement 593100000 614100000 494900000
Amortization 54600000 53100000 51800000
Depreciation Income Statement 538500000 561000000 443100000
Selling General And Administration 1010800000 837600000 549200000
Selling And Marketing Expense 459400000 294000000 141200000
General And Administrative Expense 551400000 543600000 408000000
Rent And Landing Fees 19300000 15100000 10500000
Tax Provision 4826600000 1811900000 924900000
Pretax Income 21341700000 7510000000 3905200000
Other Non Operating Income Expenses 375200000 665000000 308900000
Special Income Charges 8507500000 1733500000 -690200000
Other Special Charges -8370100000 -37700000 -1259000
Write Off -168600000 -1774400000 686100000
Net Non Operating Interest Income Expense 282200000 -177300000 -457500000
Total Other Finance Cost 102900000 101100000 276000000
Interest Expense Non Operating 194300000 504900000 684500000
Interest Income Non Operating 476500000 327600000 227000000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 21.63 8.86 5.17
Basic Eps 21.89 8.95 5.23
Diluted Ni Avail To Com Stockholders 16827500000 6839800000 3751300000
Net Income From Continuing Operations 21762400000 9051900000 4916800000
Minority Interests -3100000 -10600000 -2900000

Cash flow analysis for Poonawalla Fincorp Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -75564900000 -50638700000 -28732200000
Changes In Cash -5010100000 4014800000 -31100000
Taxes Refund Paid -6635500000 -547600000 -514500000
Change In Working Capital -83670000000 -59292200000 -34648200000
Change In Other Current Liabilities 3364000000 1124600000 -430700000
Change In Other Current Assets 363200000 -1491100000 2241700000
Change In Payable 91200000 18600000 -733800000
Change In Inventory - - -
Change In Receivables -87499600000 -58961200000 -35709700000
Other Non Cash Items -34300000 -301800000 14200000
Stock Based Compensation 1010900000 1614900000 169500000
Provision And Write Off Of Assets - - -
Depreciation And Amortization 643500000 776300000 545500000
Amortization Cash Flow - - -
Depreciation 643500000 776300000 545500000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 29693500000 -2831200000 -328500000
Net Other Investing Changes -11000000 10600000 -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale -5709300000 -2145300000 57800000
Sale Of Investment 836446000000 19106400000 2087800000
Purchase Of Investment -842155000000 -21251700000 -2030000000
Net Business Purchase And Sale 35333600000 - -
Sale Of Business 35333600000 - -
Purchase Of Business - - -
Net Ppe Purchase And Sale 165200000 -510700000 -382400000
Sale Of Ppe 259300000 124300000 241700000
Purchase Of Ppe -94100000 -635000000 -624100000
Net Intangibles Purchase And Sale -85000000 -175200000 -3900000
Purchase Of Intangibles -85000000 -175200000 -3900000
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 43306700000 57484700000 29029600000
Net Other Financing Charges - - -
Interest Paid Cff -125000000 -86300000 -58800000
Cash Dividends Paid -3073400000 -306000000 -
Common Stock Dividend Paid - - -
Net Common Stock Issuance 302900000 43800000 34656800000
Common Stock Payments - - -
Common Stock Issuance 302900000 43800000 34656800000
Repurchase Of Capital Stock - - -
Repayment Of Debt -81095600000 -42541800000 -47208100000
Issuance Of Debt 127554000000 100498000000 47332900000
Issuance Of Capital Stock 302900000 43800000 34656800000
Net Issuance Payments Of Debt 46458600000 57956200000 -5444800000
Net Short Term Debt Issuance 21692700000 15798300000 -5569600000
Short Term Debt Issuance 21692700000 15798300000 -
Net Long Term Debt Issuance 24765900000 42157900000 124800000
Long Term Debt Payments -81095600000 -42541800000 -47208100000
Long Term Debt Issuance 105862000000 84699700000 47332900000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of POONAWALLA.NS (Poonawalla Fincorp Limited)

Above is the summary for fundamental analysis of Poonawalla Fincorp Limited , whose ticker name is POONAWALLA.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Poonawalla Fincorp Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 14.52, POONAWALLA.NS has a net profit margin of 0.57, the acid test ratio for POONAWALLA.NS is 0.00, POONAWALLA.NS has an inventory turnover of 0.00, and POONAWALLA.NS has debt-to-equity ratio of 1.86.

The POONAWALLA.NS whose company name is Poonawalla Fincorp Limited has made profit/loss of 17039300000 with total revenue of 29506400000, POONAWALLA.NS has assets worth of 240869000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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