F-14/15, Orbit Mall, Civil Lines, Jaipur-302006
support@thetaxheaven.com
F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comPoonawalla Fincorp Ltd, a rapidly growing NBFC (Non-Banking Financial Company), has established itself as a trusted player in consumer and MSME lending. With its strong parentage from the Poonawalla Group and emphasis on digital-first lending solutions, it has caught investor attention in recent years. This article explores the projected share price targets for Poonawalla Fincorp from 2025 to 2030 based on its current market performance and financial trajectory.
| Detail | Value |
|---|---|
| Current Price | ₹421.70 |
| Previous Close | ₹420.65 |
| Day's High | ₹421.70 |
| Day's Low | ₹401.10 |
| 52-Week High | ₹483.40 |
| 52-Week Low | ₹267.20 |
| All-Time High | ₹519.70 |
| All-Time Low | ₹3.80 |
| VWAP | ₹408.08 |
| Beta | 1.08 |
| Market Capitalization | ₹32,383 Cr |
| Face Value | ₹2 |
| Book Value per Share | ₹103.57 |
| 20D Avg Volume | 1,982,441 |
| 20D Avg Delivery (%) | 29.78% |
Poonawalla Fincorp is a part of the Cyrus Poonawalla Group, known for its reputation in the pharma and financial sectors. The company focuses on offering personal loans, business loans, professional loans, and loans against property. The company has embraced digital platforms and AI-based credit assessment systems to scale its customer base while maintaining asset quality.
Strong promoter backing from the Poonawalla Group
Zero exposure to unsecured microfinance loans
Emphasis on digital-first loan processing
Steady growth in Assets Under Management (AUM)
Robust credit rating and improved NPA levels
| Investor Type | Holding (%) |
| Promoters | 62.46% |
| Retail and Others | 14.52% |
| Foreign Institutions | 10.76% |
| Other Domestic Institutions | 7.20% |
| Mutual Funds | 5.06% |
This diversified pattern showcases increasing institutional confidence in the company.
| Year | Minimum Target (₹) | Maximum Target (₹) |
| 2025 | 430 | 460 |
| 2026 | 480 | 510 |
| 2027 | 525 | 560 |
| 2028 | 580 | 620 |
| 2029 | 640 | 680 |
| 2030 | 700 | 750 |
These targets are derived based on current valuation, business momentum, peer performance, and expected earnings growth.
Why?
Increasing disbursements through digital platforms
Strong brand trust in Tier I and II cities
Controlled NPAs and improving return on equity
Investment Advice: Consider staggered investment for medium-term growth.
Why?
Further penetration into MSME and professional loan markets
High yield loans with disciplined underwriting
Reduction in cost-to-income ratio
Investment Advice: Long-term investors can accumulate on dips.
Why?
Better net interest margins
Integration of fintech tools for credit scoring
Expansion into semi-urban and rural lending
Investment Advice: Maintain position with periodic portfolio rebalancing.
Why?
Wider financial product suite, including insurance and leasing
Consistent quarterly earnings and EPS growth
Favorable credit environment
Investment Advice: Ideal for SIPs and low-risk portfolios.
Why?
Improved CASA base and cross-selling initiatives
Technological edge in NBFC lending space
Positive credit cycle backed by RBI support
Investment Advice: Continue holding; review after Q4 earnings.
Why?
Possibility of banking license or merger with large NBFC
Strong revenue diversification
Leadership in unsecured loan segment among NBFCs
Investment Advice: Long-term hold for compounding wealth.
Yes, if you’re looking for exposure to a fast-growing NBFC with a tech-driven business model, Poonawalla Fincorp offers excellent long-term prospects. Its balance sheet strength, digital agility, and parent support make it a compelling choice.
Strong CAGR in net profit
Low gross and net NPAs
Fastest-growing AUM in its category
Improving cost structure
Regulatory changes affecting NBFCs
Competition from banks and fintech startups
Market volatility and interest rate fluctuations
Poonawalla Fincorp Ltd is positioning itself as a new-age digital lender with long-term potential. With a current market price of around ₹421.70 and expected to reach up to ₹750 by 2030, the stock offers growth opportunities for both retail and institutional investors.
Investors should watch earnings updates, especially Q3 and Q4, to assess profitability trends. Overall, this stock holds promise as a wealth creator in the coming years.
Disclaimer: This blog is for educational purposes only. Please consult a financial advisor before investing.
Register & Login