POONAWALA FINCORP Results Analysis Q2FY2027

Results Analysis Q2FY2027 : Interest Earned for Q2FY27 is Rs. 2,416 Crs., 72.26% growth YoY, Net Interest Income is Rs. 1,380 Crs., 80.54% growth YoY, Total Income is Rs. 2,625 Crs.,70.14% growth YoY, Pre-Provisioning Operating Profit is Rs. 877 Crs., 126.87% growth YoY, PBT is Rs. 501 Crs., 406.93% growth YoY, Net profit is Rs. 375 Crs., 405.19% growth YoY. For Q2FY27 Gross NPA 1.20% vs 1.59% in Q2FY26, Net NPA 0.61% vs 0.81% in Q2FY26. Return on Assets is 2.18% improved significantly by 149 BPS YoY. On QoQ basis Interest Earned has achieved 14% growth, Net Interest Income has grown by 15.32%, Total Income has grown by 12.32%, Pre-Provisioning Operating Profit has grown by 11.78%, PBT grown by 21.89%, PAT is grown by 21.82%. Loan AUM as on September 30, 2026 stood at ₹ 74,008 crores, growing 55.15% Y-o-Y. cross-sell is positioned as a meaningful future ROA/opex lever. Improvement in ROA expected through core lending spreads, credit cost strength from calibration and collections, opex leverage The company is explicitly transitioning from build/launch phase into scaling with improving ROA, while still continuing heavy investments (collections, AI, branch rollout). Near-term watch items acknowledged implicitly: ongoing opex investment cycle (branches + AI + collections), rate environment pass-through, and potential insurance fee compression.