Poonawalla Fincorp Ltd (NSE:POONAWALLA)

Q3 2026 Poonawalla Fincorp Ltd Earnings Call Transcript

Jan 16, 2026 / 11:30 AM GMT

Release Date Price: ₹463.95 (-1.55%)

Transcript

Key Points

Positve

Poonawalla Fincorp Ltd (BOM:524000) reported a significant year-on-year growth in assets under management (AUM) by 77.6% and a quarter-on-quarter growth of 15.3%, reaching 55,017 crores.
The company achieved a notable increase in net interest margin, which rose to 8.62% in Q3 FY26 from 8.4% in Q2 FY26, indicating improved profitability.
The cost of borrowing decreased from 8.04% in Q1 FY26 to 7.65% in Q3 FY26, enhancing the company's financial efficiency.
Poonawalla Fincorp Ltd (BOM:524000) has successfully launched new products, contributing to a 25% quarter-on-quarter disbursement growth, demonstrating strong market demand.
The company has made significant advancements in AI initiatives, enhancing operational efficiency and customer service, with plans to expand AI-driven services across multiple languages by March 2026.

Negative

Despite improvements, the gross non-performing assets (GNPA) remain at 1.51%, which, although reduced, still indicates room for further improvement in asset quality.
The provision coverage ratio for stage three assets has decreased over the past year, which could pose a risk if asset quality deteriorates.
A significant portion of the company's book, 44%, is still unsecured, which could expose the company to higher risk in adverse economic conditions.
The company's operating expenses remain high, with an OpEx to AUM ratio of 4.41%, despite a reduction of 40 basis points quarter-on-quarter.
The company's debt to equity ratio stands at 4.25 times, which, while providing growth headroom, also indicates a high level of leverage that could be risky if not managed properly.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

POON.NS - Poonawalla Fincorp Ltd
Q3 2026 Poonawalla Fincorp Ltd Earnings Call
Jan 16, 2026 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Poonawala Fincorp Limited Q3 F I 2,526 earnings conference call.

We have with us today on the call Mr. Irwin Couple, Managing Director and Chief Executive Officer.

Mr. Sunil Saagni.

Executive director.

Mr. Shrira Meyer, Chief Credit and analytics Officer.

Mr. Vikaspandi, Chief Business Officer, Consumer Business. Mr. V. Rahavan Iyer, Chief Business Officer, commercial Business. Mr. Hash Kumar.

Chief Human Resources Officer and head Artificial intelligence and other senior management officials.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask

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