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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Poonawalla Fincorp
Poonawalla Fincorp (POONAWALLA) investor relations material
Poonawalla Fincorp Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary9 Oct, 2026
Executive summary
AUM reached ₹74,008 crore, up 55.1% YoY and 10.4% QoQ; new products contributed 28% of quarterly disbursements.
PAT was ₹374.85 crore, up 21.8% QoQ, and PPOP was ₹877 crore; ROA improved to 2.18%.
Secured on-book mix was 52%; no accelerated write-offs occurred during the quarter.
Joint statutory auditors issued unmodified limited-review conclusions on Q2 and H1 standalone and consolidated results.
Financial highlights
Q2 total income was ₹2,624.84 crore versus ₹1,542.77 crore YoY; PBT was ₹501.30 crore and PAT ₹374.85 crore versus ₹98.89 crore and ₹74.20 crore.
H1 total income was ₹4,961.76 crore, PBT ₹912.56 crore and PAT ₹682.56 crore.
NII including fees and other income was ₹1,589 crore, up 75.6% YoY; total interest income was ₹2,416 crore and interest expenses ₹1,035 crore.
PPOP was ₹877 crore, up 126.9% YoY; Q2 operating expenses were ₹712 crore and impairment on financial instruments ₹346.37 crore.
Q2 basic/diluted EPS was ₹4.27/₹4.26; H1 basic/diluted EPS was ₹7.82/₹7.80, not annualised.
Outlook and guidance
Management targets AUM growth of ~35–40% CAGR over the next couple of years and aspires to grow AUM 5–6x over five years.
Priorities include scaling consumer finance, expanding Gold Loan and digital Business Loans, and building an AI-powered consumer ecosystem.
Management expects credit costs to stabilize gradually, supported by calibrated underwriting, portfolio diversification and stronger collections.
ROA improvement over the next two years is expected to draw on lending spreads, credit costs and operating leverage; newer businesses may reach peak maturity in 2.5–3 years.
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Latest events from Poonawalla Fincorp
- FY24 delivered 55% AUM growth, 251% PAT surge, and best-in-class asset quality.POONAWALLA
Q4 23/24 - Q1 FY27 saw record AUM and PAT growth, improved asset quality, and strong digital-led efficiency.POONAWALLAQ1 26/27
- Q4 FY26 delivered strong AUM, PAT, and NIM growth, with improved asset quality and capital strength.POONAWALLAQ4 25/26
- AUM up 78% YoY, PAT doubles, asset quality improves, and major capital raise approved.POONAWALLAQ3 25/26
- AUM up 68% YoY, strong profit, digital expansion, and improved asset quality drive growth.POONAWALLAQ2 25/26
- AUM up 52% YoY, robust profitability, and new leadership drive digital-led expansion.POONAWALLAQ1 24/25
- AUM up 40% YoY; Q2 net loss from one-time STPL provision, but asset quality stable.POONAWALLAQ2 24/25
- AUM up 41% YoY, profitability rebounded, and tech-driven expansion supports future growth.POONAWALLAQ3 24/25
- AUM up 43% YoY, FY25 net profit at ₹1,683.06 crore, with strong digital and AI-driven growth.POONAWALLAQ4 24/25
Next Poonawalla Fincorp earnings date
Q3 26/2715 Jan, 2027
Poonawalla Fincorp
Next Poonawalla Fincorp earnings date
Q3 26/2715 Jan, 2027
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Amina0781App Store
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