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Swing Capital

Piramal Finance Ltd

NSE: PIRAMALFIN BSE: 544597Infra

Piramal Finance Corporation's main business is of providing loans to Retail customers for construction or purchase of residential property, loans against property, etc.

₹1,890
52W: ₹1235 — ₹2073
PE 26.4 · Book ₹1254 · +51% vs book
Market Cap₹42,842 Cr
Stock P/E26.4Price to Earnings
ROCE8.59%Return on Capital
ROE7.18%Return on Equity
Div. Yield0%Face Value ₹2

Strengths

  • +Company is expected to give good quarter

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of -0.57% over last 3 years.
  • −Working capital days have increased from -68.9 days to 74.6 days

Shareholding Pattern

Promoters46.16%
FIIs14.63%
DIIs18.8%
Public20.1%
CategoryJun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2025Dec 2025Mar 2026
Promoters39.21%39.21%39.21%39.21%39.21%46.16%▲6.946.16%46.16%
FIIs2.89%2.47%▼0.42.47%1.92%▼0.60.25%▼1.715.1%▲14.815.57%▲0.514.63%▼0.9
DIIs3.45%3.45%3.45%3.45%3.45%14.46%▲11.016.26%▲1.818.8%▲2.5
Public54.45%54.87%▲0.454.87%55.42%▲0.657.09%▲1.723.78%▼33.321.59%▼2.220.1%▼1.5

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales1,6791,7061,6542,3542,8102,8602,6582,8432,9134,743
Expenses7112,7586779041,3441,5239019029631,941
Operating Profit968-1,0529771,4501,4651,3381,7571,9401,9502,802
OPM %58%-62%59%62%52%47%66%68%67%59%
Net Profit-1,270-742371716964263278396603
EPS ₹-0.59-0.320.020.070.030.030.112.2517.4626.61

AI Insights

Revenue Trend

Mar 2026 revenue at ₹13,157Cr, up 59.8% YoY. OPM at 64%.

Debt Position

Borrowings at ₹78,724Cr. Debt-to-equity ratio: 2.77x. High leverage — monitor closely.

Institutional Flow

DIIs: 18.8% (+14.91pp change). FIIs: 14.63% (+3.37pp change). Promoters hold 46.16%.

Margin & Efficiency

ROCE declining from 11% (Mar 2015) to 9% (Mar 2026). Working capital days: 75.

Valuation

PE 26.4x with 8.59% ROCE. Price is 51% above book value of ₹1,254. Dividend yield: 0%.

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