Poonawalla Fincorp Share Analysis- High Growth Stock for FY25

The start of FY25 marks the start of a new series of 5 stocks with high growth potential. In this series, we discuss the growth triggers in 5 stocks that have shown excellent growth in their fundamentals in the recent past. We will try and analyze whether the growth in these companies will continue in the new financial year. In this second video of the series, we bring up the analysis of one of the fastest-growing NBFCs in India. Watch this insightful video to understand the company's growth triggers. Can you guess which will be the next company in the series?

00:00 Start
01:18 How was Poonawalla Fincorp formed?
03:06 Transformation journey so far
05:52 Simple model at work
08:00 Combo of Fintech, NBFC & Bank
08:49 Financial Numbers
09:43 AUM MIX
10:25 AUM grew double digit
11:06 Optimizing cost of borrowings
11:50 Decent NIM
12:34 Declining cost to income ratio
13:11 Improving asset quality
13:41 Increasing Return on assets
13:53 Capital adequacy ratio
14:26 To be top 3 NBFC in consumer & MSME segment
15:52 Key growth drivers
19:21 Scenario Analysis

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DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:

Yadnya Academy Pvt. Ltd. (InvestYadnya) is registered with SEBI under SEBI (Research Analyst) Regulations, 2014 with registration no. INH000008349.
Disclosure with regard to ownership and material conflicts of interest
1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;
2. Neither Research Analyst nor the entity nor its associates or relatives have actual / beneficial ownership of one per cent or more securities of the subject Company, at the end of the month immediately preceding the date of publication of the research report or date of public appearance;
3. Neither Research Analyst nor the entity nor its associates or his relatives have any other material conflict of interest at the time of publication of the research report or at the time of public appearance.
Disclosure with regard to receipt of Compensation
1. The Research Entity and its associates have not received compensation from the subject company in the past twelve months.
2. The subject company is not or was not a client during the twelve months preceding the date of recommendation.

[brijesh]

Looks like a very apt target candidate for RBI action
After Paytm, IlFS and JMF

[satnegi]

Genuine guidance n excellent analysis🙏🙏

[YoutubeKohli-txmi]

One more thing that you haven’t considered is that the bank is operating at a PCR of just 48%. Its no way a healthy PCR. Anything above 80% is what might be considered good. So the bank in future will have to increase it’s provisioning to avoid any contingent liabilities. So while your estimates of PPOP might be in line but PAT growth might actually be slower since a portion of the earnings might have to be diverted towards provisioning in the future.

[dipakroy]

thank u Parimal sir n ur research team fr giving valuable speech. sir pl try a souvenier at Kolkata.

Dipak Roy n family

[durveshdichwalkar]

More detail analysis on other stocks. Good information sir ❤.

[anirudhpaul]

Most people don’t know the pedigree of poonawalla. People know ambani or adani, but don’t know that poonawalla is the third richest indian for a long time and poonawalla fincorp is their first listed company. Sr poonawalla is respected all over the world for serving covid vaccines to the world. Adar poonawalla is the son of cyrus poonawalla. You hardly see any company at such reasonable valuation from one of the top few business houses.

[pragmatic-pr]

Sir apne model portfolios k bare me video banae, kitna min invest kr k join kr skte hai, charges etc. Website pe mene visit kia but kuch samjh ni aya

[YoutubeKohli-txmi]

I really don’t get how you arrived at the operating cost…you took the operating cost as a cost to income percentage of the overall AUM. However this might not be the actual figure since cost to income ratio is operating expenses/ operating income wherein operating income is the sum of net interest income and other income of the company. It shouldn’t have been calculated as cost to income ratio multiplied by the AUM. Rather it should have been the Net interest margin multiplied by the AUM and add to it the other income which you could have assumed to be a certain growth multiple with the current year’s other income as the base.

[shubamdutta]

Next Bajaj finance is Bajaj finance itself

[abhishek]

There are many investment institution nowadays, it will grow but this will come to a saturation level in market value due to competition.

[anujpal]

Half of these types of NBFCs won't even exist in next 5 years

[sharmavarun]

Very nice and detailed analysis.This company can easily be seen in 4 digits in next coming years.

[The_Rock]

Sales growth -1% in last 5 years. Profit growth is also inconsistent. Sometimes loss and sometimes profit.

[hendy]

He is forcefully saying only the good points while u can see there are negative also

[dockumaralakshmanan]

PLEASE converse in english to benefit all groups of people!

[mayureshpatwardhan]

Magma book was toxic - I don’t think this is the correct portrayal - things don’t change is such a small period esp in lending businesses!

[rkmr]

Why the company has such a low ROE? Nothing compared to Bajaj Finance.

[akshaymeena]

Manage your playlist
Create value chain playlist
Create growth stock playlist fy25
Because it is difficult to find these video latter

I hope you consider my request

[Indian-roff]

Beard looking good on you sir, don't clean shave

[seemakochar]

very poor commentary... needs improvement.