| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 2.1K | 16.3% | 81.4% |
| Total Income | 2.1K | 16.6% | 80.7% |
| Expenditure | 1.8K | 9.9% | 62.8% |
| PBT | 341.07 | 70.4% | 325.2% |
| Net Profit | 254.79 | 69.6% | 308.8% |
| OPM | 57.00% | 4.04pp | 9.75pp |
| NPM | 12.02% | 3.76pp | 6.71pp |
| EPS | 3.15 | 69.3% | 288.9% |
Poonawalla Fincorp PAT Up 69.6% QoQ to ₹255 Cr
05 May 2026 · 5 May, 4:51 pm
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
Poonawalla Fincorp reported a significant 69.6% quarter-on-quarter growth in Profit After Tax (PAT) to ₹255 crore for Q4 FY26.
- 2
Assets Under Management (AUM) reached ₹60,348 crore as of March 31, 2026, underscoring robust business expansion.
- 3
Net Interest Income (including fees and other income) surged by 78.5% year-on-year, totaling ₹1,276 crore during the quarter.
- 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
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
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
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.
Management Comments
Mr. Arvind Kapil
We have reached a pivotal inflection point in our growth trajectory. By simultaneously expanding our yields and optimizing our operating architecture, we are seeing a powerful expansion in incremental NIMs. With credit costs trending lower and Opex-to-AUM decoupling, the business is now primed for high-quality, sustained profitability. Even as this operating leverage kicks in, we remain committed to strategic investments this fiscal year, ensuring our current momentum translates into a long-term, healthy, and durable earnings model.
Informational and educational content only. Not investment advice.