Poonawalla Fincorp’un İkinci Çeyrekte Net Karı 375 crore rupiye yükseldi; NII ve kârlılık çift haneli artış gösterdi

Kısaca

Poonawalla Fincorp QoQ PAT Rs 375 crore; YoY artış 406,8%. NII Rs 1.380 crore; YoY artış 80,6%. Toplam faiz geliri Rs 2.416 crore; maliyetler ve kârlılık göstergeleri iyileşti; yatırımcılar için izlenecek nokta

Ana mesele

Poonawalla Fincorp QoQ net karı ve net faiz geliri çift haneli artış kaydetti

Ne değişti?

PAT 406,8% YoY artış; NII 80,6% artış

Beni nasıl etkiler?

Okuyucuya NBFC’nin kârlılık ve büyüme ivmesini gösterir

Ne oldu?

Q2FY27’de PAT Rs 375 crore’a yükseldi; YoY artış %406,8. NII Rs 1.380 crore; YoY artış %80,6. Toplam faiz geliri Rs 2.416 crore.

Neden şimdi?

Yapısal iyileştirmeler ve kalıcı verimlilik artışıyla getirilerin güçlenmesi için uygun zamanda geldi.

Neden önemli?

Kârlılık ve verimlilik göstergelerinin iyileşmesi NBFC’nin güvenilirliğini ve yatırımcı ilgisini artırır.

Kimler etkileniyor?

• Yatırımcılar
• Kurumsal kredi verenler
• Şirketin paydaşları

Sektör ve piyasa etkisi

NBFC segmentinde kârlılık göstergeleri iyileşiyor; yatırımcı güveni artabilir.

Riskler

• Kredi maliyetlerinde dalgalanma riski
• piyasa talebindeki belirsizlik

Takip edilmesi gerekenler

• NIM ve verimlilik takibi
• Varlık kalitesi gelişimi
• Faiz giderleri ile gider verimliliği

Haberin tamamı

Poonawalla Fincorp reported a 406.8% year-on-year (YoY) jump in profit after tax (PAT) to Rs 375 crore in the second quarter of FY27, compared with Rs 74 crore in the corresponding period a year ago.The non-banking financial company's (NBFC) net interest income (NII) rose 80.6% YoY to Rs 1,380 crore in Q2FY27, against Rs 764 crore in Q2FY26, according to an exchange filing.Total interest income increased 72.3% YoY to Rs 2,416 crore in the quarter, compared with Rs 1,402 crore in the year-ago period.

Interest expenses rose 62.2% YoY to Rs 1,035 crore from Rs 638 crore.Operating profit surged 126.6% YoY to Rs 877 crore in Q2FY27, compared with Rs 387 crore in the corresponding quarter last year.

Operating expenses climbed 37.5% YoY to Rs 712 crore from Rs 518 crore, while credit costs increased 30.6% to Rs 376 crore from Rs 288 crore.Asset qualityPoonawalla Fincorp said its asset quality improved during the quarter, with gross non-performing assets (GNPA) declining by 17 basis points quarter-on-quarter (QoQ) and 39 basis points YoY.

The company reported no accelerated write-offs during the quarter.The NBFC also expanded its gold loan branch network to 550 branches to strengthen its distribution reach.

Its sourcing channels include direct selling agents (DSAs), digital platforms, tele-calling and its in-house sales team.The company further highlighted continued improvement in return on assets (RoA), citing enhanced efficiency and capital allocation.Management commentaryArvind Kapil, managing director and chief executive officer of Poonawalla Fincorp, said Q2 marked a decisive inflection point in establishing a resilient and self-sustaining earnings engine through structural improvements across the company's four core performance areas.“We have delivered disciplined AUM expansion while enriching total realizations via NIM and fee income optimization, demonstrating strong pricing power across core and newly incubated verticals.

Concurrently, continuous asset quality refinement has driven credit costs lower from an already formidable baseline, translating directly into a structural lift in our Return on Assets (RoA).

Accelerated by our rapidly maturing proprietary AI layer, these foundational, cross-vector gains reinforce the compounding power and long-term sustainability of our franchise,” Kapil said.Poonawalla Fincorp share pricePoonawalla Fincorp shares ended Friday's trading session at Rs 447.30 apiece on the NSE, gaining 2.15% from the previous close of Rs 437.90.

The stock opened at Rs 437.90 and traded between Rs 436.90 and Rs 450.90 during the session.Despite the day's gains, the stock has declined 7.60% so far in 2026. At the last traded price, Poonawalla Fincorp had a market capitalisation of Rs 39,389.31 crore.Disclosure: This article has been written by Kumar Gaurav, who is not a Sebi-registered Research Analyst or an Investment Adviser.

Gaurav and their ‘relative(s)’ (as defined under Section 2(77) of the Companies Act, 2013) do not hold any financial interest in the companies mentioned in this article as of the date of publication. The views/recommendations mentioned in this article, wherever applicable, are those of the respective Sebi-registered Research Analyst/brokerage and have been reproduced/reported with due attribution.

They should not be construed as the views or recommendations of The Economic Times Digital or the journalist. Readers are advised to consider the original research report and make their investment decisions based on their own assessment. Brokerage disclaimers here

Kaynaklar

• Economic Times - Markets