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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Poonawalla Fincorp
Poonawalla Fincorp (POONAWALLA) investor relations material
Poonawalla Fincorp Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary16 Jan, 2026
Executive summary
AUM grew 77.6%-78% year-over-year to INR 55,017 crore as of December 31, 2025, with new products contributing up to 11% of AUM and strong momentum across all segments.
Profit after tax surged 102%-102.5% quarter-on-quarter to INR 150 crore, driven by robust operational performance and scaling of new business lines.
Significant investments in branches, technology, and management enabled successful incubation and scaling of multiple new products.
Board approved significant capital raising plans, including equity and debt issuances, and appointed a new Whole-time Director.
Approved unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025, with no material misstatements reported.
Financial highlights
Net interest income, including fees, rose 60.6% year-over-year to INR 1,080 crore; pre-provision operating profit increased 41.5% year-over-year to INR 528 crore.
Disbursements grew 84% year-over-year in Q3 FY26, with new products contributing 20% to total disbursement.
Cost of borrowing reduced to 7.65% in Q3 FY26.
OpEx to AUM ratio improved by 40 bps quarter-on-quarter to 4.4%.
Consolidated revenue from operations for Q3 FY26 was INR 1,818.42 crore, up from INR 1,057.03 crore in Q3 FY25.
Outlook and guidance
Management maintains AUM growth guidance of 35%-40% annually, with a focus on retail and new products.
Board approved raising up to INR 5,500 crore via equity and up to INR 20,000 crore via non-convertible debt securities for FY 2026-27.
Opex as a percent of AUM expected to stabilize at prudent levels by Q4FY26.
On track to launch 400 branches and expand dealer points to 12,000+ by March 2026.
Credit costs expected to decline as portfolio mix shifts toward lower-risk products.
Strategic allocation of Rs. 25,500 Cr capital
How do loan transfers impact future asset quality?
What are Mr. Pandey's key strategic priorities?
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Next Poonawalla Fincorp earnings date
Q4 25/2615 Apr, 2026
Poonawalla Fincorp
Next Poonawalla Fincorp earnings date
Q4 25/2615 Apr, 2026
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