Summary

Poonawalla Fincorp Limited announced strong audited financial results for the quarter and year ended March 31, 2026. The company reported a significant 69.6% quarter-on-quarter growth in Profit After Tax (PAT) to ₹255 crore, with Assets Under Management (AUM) reaching ₹60,348 crore. Net Interest Income (NII) surged by 78.5% year-on-year to ₹1,276 crore, while Net Interest Margin (NIM) improved by 43 basis points sequentially to 9.05%. Management expressed confidence, stating the company has reached a 'pivotal inflection point' in its growth trajectory, driven by expanding yields and optimizing operations, positioning the business for high-quality, sustained profitability and long-term durable earnings.

Key Highlights

1. 1

   Poonawalla Fincorp reported a significant 69.6% quarter-on-quarter growth in Profit After Tax (PAT) to ₹255 crore for Q4 FY26.

2. 2

   Assets Under Management (AUM) reached ₹60,348 crore as of March 31, 2026, underscoring robust business expansion.

3. 3

   Net Interest Income (including fees and other income) surged by 78.5% year-on-year, totaling ₹1,276 crore during the quarter.

4. 4

   The company demonstrated improved profitability with Net Interest Margin (NIM) increasing by 43 basis points quarter-on-quarter to 9.05% in Q4 FY26.

5. 5

   Pre-provisioning Operating Profit (PPoP) saw a substantial 108.7% year-on-year rise, reaching ₹695 crore for the quarter ended March 31, 2026.

6. 6

   Asset quality remained stable, with Gross Non-Performing Assets (GNPA) at 1.44% and Net Non-Performing Assets (NNPA) at 0.74% in Q4 FY26.

7. 7

   Capital Adequacy Ratio stood strong at 16.83% (Tier-1 at 15.90%) as of March 31, 2026, well above regulatory requirements, further strengthened by a simulated 20.74% post QIP.