India · Delayed Price · Currency is INR Poonawalla Fincorp Earnings Call Transcripts
Fiscal Year 2026
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Q4 FY26 saw robust 69% AUM growth, NIM expansion to 9.05%, and PAT up 69.6% QoQ, driven by new business lines, digital and AI investments, and improved asset quality. Capital raise and strong liquidity provide ample growth headroom.
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AUM grew 77.6% year-over-year to INR 55,017 crore, with strong disbursement growth and improved asset quality. Profit after tax surged 102% quarter-on-quarter, and operating leverage is strengthening as new products scale. Credit costs are expected to decline as the portfolio mix shifts toward lower-risk products.
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AUM grew 68% year-over-year to INR 47,701 crore, with strong disbursement growth across new products and improved asset quality. Cost of borrowing declined, digital and AI initiatives accelerated, and capital adequacy remains robust, supporting sustainable growth.
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AUM grew 53% year-on-year to INR 41,273 crores, with strong momentum in new products and digital initiatives. Asset quality remained stable, credit costs improved, and NIM is expected to recover to 9% within a year. Capital base was strengthened with a INR 1,500 crore promoter infusion.
Fiscal Year 2025
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AUM grew 42.5% year-on-year to INR 35,631 crores, driven by new business launches and a risk-first, AI-enabled approach. Asset quality improved, credit costs declined, and profitability strengthened, with robust guidance for continued growth and efficiency gains.
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AUM grew 41% year-over-year to INR 30,984 crores, with strong disbursement momentum and robust profitability. Management expects to exceed growth guidance, with new products and AI-driven strategies supporting sustainable profits and declining credit costs.
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AUM grew 40% year-over-year to INR 28,396 crores, with strong expansion in business loans and LAP, while a one-time STPL provision of INR 666 crores was made to strengthen asset quality. Management expects 30–40% annual AUM growth and is investing heavily in new products, technology, and branch expansion.
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AUM grew 52% year-on-year to INR 26,972 crore, with strong profitability and asset quality improvements. The new management team is focused on scaling AUM 5-6x in 5-6 years, investing in technology, collections, and new business lines for sustainable growth.