Highlights

• Poonawalla Fincorp reported Q4 PAT growth of 69.6% QoQ to ₹255 crore.
• AUM stood at ₹60,348 crore, reflecting scale expansion across lending segments.
• Net interest income rose 78.5% YoY, with margins improving sequentially.

Shares of Poonawalla Fincorp Limited (NSE:POONAWALLA) were trading at ₹449.00 on May 6, 2026, up 2.28% from the previous close of ₹439.00. The stock opened at ₹459.00 and touched an intraday high of ₹465.00, while the low stood at ₹446.15. The price movement indicated a moderate gain following the quarterly results announcement.

Source: TradingView

Q4 FY26 Financial Performance Overview

Poonawalla Fincorp reported Assets Under Management (AUM) of ₹60,348 crore as of March 31, 2026. Net Interest Income (including fees and other income) stood at ₹1,276 crore in Q4 FY26, registering a 78.5% year-on-year increase.

Net Interest Margin (NIM) improved to 9.05% in Q4 FY26 from 8.62% in Q3 FY26, reflecting a sequential expansion of 43 basis points.

Pre-Provision Operating Profit (PPoP) came in at ₹695 crore, marking a 108.7% YoY increase. Profit After Tax (PAT) stood at ₹255 crore in Q4 FY26, compared to ₹150 crore in Q3 FY26.

Asset Quality and Balance Sheet Metrics

The company reported stable asset quality indicators during the quarter. Gross Non-Performing Assets (GNPA) stood at 1.44% in Q4 FY26, compared to 1.51% in Q3 FY26. Net NPA (NNPA) was reported at 0.74%, down from 0.80% sequentially.

Credit cost as a percentage of average AUM declined to 2.51% from 2.62% in the previous quarter. Stage 1 assets accounted for 97.5% of the on-book portfolio.

Capital Adequacy Ratio stood at 16.83% (Tier-1 at 15.90%) as of March 31, 2026, above the regulatory requirement of 15%. Following a ₹2,500 crore capital raise through QIP, the simulated capital adequacy ratio is estimated at 20.74% based on the March 2026 balance sheet.

Liquidity and Operational Developments

Liquidity buffer stood at ₹7,590 crore as of March 31, 2026. Cost of borrowing for the quarter was 7.63%, marginally lower than the previous quarter.

The company added 19 new AI projects during the quarter, taking the total to 76, of which 42 have been implemented.

Management Commentary

“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.” Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp.

Company Overview

Poonawalla Fincorp Limited is a non-deposit taking systemically important NBFC registered with the Reserve Bank of India. The company provides a range of financial services, including personal loans, business loans, loan against property, and supply chain financing, with operations spanning nearly three decades.

Key Risks

• Asset quality deterioration could impact profitability if credit costs rise.
• Dependence on borrowing costs may affect margins amid interest rate changes.
• High growth in unsecured lending may increase portfolio risk exposure.
• Regulatory changes for NBFCs could influence capital and compliance requirements.

Summary

Poonawalla Fincorp (NSE:POONAWALLA) reported Q4 FY26 results with AUM at ₹60,348 crore and PAT rising 69.6% sequentially to ₹255 crore. Net interest income and margins showed improvement, while asset quality remained stable.

The company also maintained adequate capital and liquidity buffers. The stock traded higher following the announcement, reflecting market response to the quarterly financial performance.

FAQs

Q: What is Poonawalla Fincorp’s AUM for Q4 FY26?
A: The company reported Assets Under Management of ₹60,348 crore as of March 31, 2026.

Q: How much did PAT grow in Q4 FY26?
A: Profit after tax increased to ₹255 crore in Q4 FY26, up from ₹150 crore in Q3 FY26.

Q: How did the stock react to the results?
A: The stock rose approximately 1.97% during the trading session following the quarterly earnings announcement.