Poonawalla Fincorp's Q2 FY 2025-26 Quarterly Results

Result Summary

• Poonawalla Fincorp Ltd reported a 17.4% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 54.8%.
• Its expenses for the quarter were up by 19.9% QoQ and 65.4% YoY.
• The net profit increased 18.5% QoQ and decreased 115.8% YoY.
• The earnings per share (EPS) of Poonawalla Fincorp Ltd stood at 0.95 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Poonawalla Fincorp Ltd is a financial services company primarily operating in the non-banking financial sector in India. The company provides a range of financial products and services, including loans for personal, business, and professional purposes. As part of the Poonawalla Group, known for its diversification into various sectors, Poonawalla Fincorp has been focusing on expanding its portfolio and strengthening its presence in the financial services industry. Recent developments have included strategic initiatives to streamline operations and enhance digital offerings, although specific details of these initiatives are not available in the provided data.

Revenue

In the second quarter of fiscal year 2026 (Q2FY26), Poonawalla Fincorp Ltd reported a total income of ₹1542.77 crores, which marks a significant increase from both the previous quarter (Q1FY26) and the corresponding quarter of the previous year (Q2FY25). Compared to Q1FY26, where the total income was ₹1314.01 crores, there was a quarter-over-quarter increase of 17.4%. Year-over-year, the income surged by 54.8% from ₹996.50 crores in Q2FY25. These increases highlight the company's capacity to generate higher revenue over both short-term and annual periods.

Profitability

In terms of profitability, Poonawalla Fincorp Ltd experienced notable growth. The profit before tax in Q2FY26 was ₹98.89 crores, an 18.5% increase from ₹83.44 crores in Q1FY26. Year-over-year, this figure shows a substantial improvement from a loss of ₹630.45 crores in Q2FY25. The profit after tax for Q2FY26 was ₹74.20 crores, also reflecting an 18.5% rise from ₹62.60 crores in the previous quarter and a significant recovery from a loss of ₹471.04 crores in Q2FY25. Earnings per share (EPS) stood at ₹0.95, marking a 17.3% increase from ₹0.81 in Q1FY26 and a marked recovery from a negative EPS of ₹6.10 in Q2FY25. These figures underscore the company's improved profitability over time.

Operating Metrics

Analyzing the operating metrics, total expenses for Q2FY26 were ₹1186.21 crores, representing a 19.9% increase from ₹989.49 crores in Q1FY26 and a 65.4% rise from ₹717.32 crores in Q2FY25. This increase in expenses aligns with the growth in revenue and profitability, reflecting the company's operations and scaling activities. The tax expense for the quarter was ₹24.69 crores, showing an 18.5% increase from ₹20.84 crores in the previous quarter and a considerable variation from a tax credit of ₹159.41 crores in Q2FY25. These metrics reflect the company's financial operations without assumptions or interpretations.