PIRAMALFIN
Piramal Finance Limited (PIRAMALFIN) Stock Analysis
Piramal Finance Limited, formerly Piramal Capital and Housing Finance, lends to real estate, corporates, and retail borrowers. It is part of the Piramal group financial services portfolio. The company provides structured finance and home loans. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹1,950.30
-1.06% 1W | +47.50% 52W
Market Cap
46.1k CR
P/E Ratio
26.3
52W High
₹2326.4
52W Low
₹1260
Div. Yield
0.56%
Beta
–
50 DMA
₹2146.8
200 DMA
₹1962.1
Profit Margin
32.2%
Inst. Own.
26.1%
⚠️ BREAKDOWN
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2022 | Dec 2022 | Mar 2023 | Dec 2023 | Mar 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,672 | 1,751 | 1,640 | 1,689 | 1,717 | 2,365 | 2,825 | 2,854 | 2,639 | 2,872 | 2,918 | 3,424 | 3,368 |
| Expenses | 366 | 1,570 | 966 | 729 | 2,780 | 936 | 1,374 | 1,537 | 919 | 922 | 983 | 1,978 | 1,296 |
| Operating Profit | 1,306 | 181 | 674 | 960 | -1,063 | 1,429 | 1,451 | 1,317 | 1,721 | 1,949 | 1,935 | 1,446 | 2,073 |
| OPM % | 78% | 10% | 41% | 57% | -62% | 60% | 51% | 46% | 65% | 68% | 66% | 42% | 62% |
| Other Income | 95 | 7 | -10,250 | -1,855 | 249 | 121 | 58 | 269 | 129 | 11 | 96 | 1,377 | 160 |
| Interest | 890 | 834 | 848 | 928 | 999 | 1,305 | 1,364 | 1,417 | 1,492 | 1,567 | 1,646 | 1,674 | 1,734 |
| Depreciation | 18 | 22 | 37 | 38 | 45 | 55 | 54 | 53 | 57 | 144 | 57 | 645 | 56 |
| Profit before tax | 492 | -668 | -10,461 | -1,862 | -1,858 | 190 | 91 | 116 | 301 | 249 | 328 | 505 | 443 |
| Tax % | 25% | -523% | -14% | -31% | -60% | 14% | 57% | 12% | 8% | -31% | -22% | 1% | -4% |
| Net Profit | 370 | 2,824 | -8,982 | -1,282 | -752 | 163 | 39 | 102 | 276 | 327 | 401 | 502 | 461 |
| EPS in Rs | 0.17 | 1.32 | -4.20 | -0.60 | -0.32 | 0.07 | 0.02 | 0.04 | 0.11 | 14.42 | 17.69 | 22.14 | 20.34 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,420 | 7,835 | 11,465 | 10,849 | 12,882 | 9,558 | 8,771 | 6,039 | 6,644 | 6,729 | 10,375 | 11,903 | 12,582 |
| Expenses | 968 | 1,196 | 1,477 | 1,413 | 4,496 | 21,824 | 28,621 | 1,859 | 5,660 | 4,915 | 4,608 | 4,801 | 5,178 |
| Operating Profit | 5,451 | 6,639 | 9,989 | 9,436 | 8,386 | -12,266 | -19,850 | 4,180 | 984 | 1,814 | 5,767 | 7,102 | 7,403 |
| OPM % | 85% | 85% | 87% | 87% | 65% | -128% | -226% | 69% | 15% | 27% | 56% | 60% | 59% |
| Other Income | 2 | 4 | 6 | 41 | -22 | 19 | 32 | -62 | -10,210 | -1,618 | 373 | 1,563 | 1,644 |
| Interest | 4,460 | 5,492 | 6,674 | 7,744 | 9,417 | 5,736 | 218 | 3,337 | 3,470 | 3,659 | 5,282 | 6,379 | 6,621 |
| Depreciation | 27 | 30 | 43 | 28 | 51 | 79 | 81 | 52 | 97 | 152 | 214 | 903 | 902 |
| Profit before tax | 966 | 1,121 | 3,276 | 1,706 | -1,104 | -18,063 | -20,117 | 728 | -12,794 | -3,616 | 645 | 1,383 | 1,525 |
| Tax % | 34% | 34% | 15% | 27% | -11% | -26% | -25% | 26% | -42% | -45% | 25% | -9% | |
| Net Profit | 642 | 749 | 2,806 | 1,263 | -966 | -13,456 | -15,051 | 540 | -7,401 | -1,975 | 485 | 1,506 | 1,691 |
| EPS in Rs | 22.05 | 25.68 | 89.62 | 40.28 | -30.78 | -428.77 | -479.61 | 0.25 | -3.46 | -0.85 | 0.19 | 66.36 | 74.59 |
| Dividend Payout % | 14% | 31% | 4% | 14% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | 17% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 21.0% | 6.0% | 4.0% |
| Profit CAGR | -56.0% | 15.0% | -11.0% |
Shareholding Pattern
Promoters46.16%
FIIs15.10%
DIIs14.46%
Public23.78%
Promoters46.16%
FIIs15.57%
DIIs16.26%
Public21.59%
Promoters46.16%
FIIs14.63%
DIIs18.80%
Public20.10%
Promoters46.16%
FIIs15.45%
DIIs18.63%
Public19.54%
Promoters44.22%
FIIs15.72%
DIIs21.21%
Public18.64%
Promoters39.21%
FIIs3.15%
DIIs3.46%
Public54.18%
Promoters39.21%
FIIs1.92%
DIIs3.45%
Public55.42%
Promoters39.21%
FIIs0.25%
DIIs3.45%
Public57.09%
Promoters46.16%
FIIs14.63%
DIIs18.80%
Public20.10%
Promoters44.22%
FIIs15.72%
DIIs21.21%
Public18.64%
PIRAMALFIN
Holdings Analysis
Key strengths & risk signals
54
Overall
53
Fundamental
56
Technical
Risks (4)
VERY HIGH DEBT! D/E of 2.42 - significant risk.
WEAK POSITION! Current price (1950.3) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.1% (1 week), 11.4% (1 month), 9.1% (3 months).
BEARISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 299,525 vs down days: 391,507. Ratio: 0.77x
Strengths (4)
EXCELLENT EFFICIENCY! 32.2% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (2146.8) is above 200-day average (1962.1) - positive signal.
GOOD YEAR! Stock gained 47.5% in the last year.
APPROACHING OVERSOLD! RSI at 36.9 - watch for reversal.
Fundamental & Technical Analysis
54Overall
53Fundamental
56Technical
Fundamental Breakdown
Growth Quality
15/30
Revenue CAGR: 16.9% (VERY GOOD, 13/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 32.2% profit margin - company keeps strong profits.
PEG Valuation
8/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.56% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.42 - significant risk.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 45.64% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (2146.8) is above 200-day average (1962.1) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (1950.3) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
10/10
GOOD YEAR! Stock gained 47.5% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 299,525 vs down days: 391,507. Ratio: 0.77x
RSI
4/5
APPROACHING OVERSOLD! RSI at 36.9 - watch for reversal.
52W Range
4/5
UPPER HALF! Trading at 64.7% of 52W range - positive territory.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.1% (1 week), 11.4% (1 month), 9.1% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
PIRAMALFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-22 | Concall PDF | |
| Q3FY262026-02-02 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PIRAMALFIN | ₹1,950.30 | 26.3 | 32.2% | 16.9% | – | +47.5% | 54 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
| SUNDARMFIN | ₹4,236.80 | 21 | 46.1% | 18.6% | 15.7% | -6.2% | 62 | BREAKDOWN | +33.9% | +14.8% | +18.1% | +1.6% |
| M&MFIN | ₹311.60 | 13.3 | 30.9% | 13.3% | 11.3% | +5.3% | 72 | BOUNCE FROM SUPPORT | +75.4% | -1.3% | +20.9% | +0.2% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
| IREDA | ₹108.80 | 15.5 | 69.3% | 34.5% | 29.4% | -29.3% | 68 | APPROACHING RESISTANCE | +37.1% | -31.3% | +16.2% | +4.0% |
Data from TradeAlone · Updated daily
PIRAMALFIN News
Piramal Finance Limited (piramalfin) Receives Moody’s Ratings Upgrade to ‘ba2’2026-09-11Piramal Finance Limited (piramalfin) Announces ₹3,850 Crore Capital Raise, Backed by Strong QIP Participation and Promoter Warrants2026-08-31Piramal Finance Limited (NSE: Piramalfin) Reports 67% Yoy Profit Surge in Q1 Fy20272026-07-16Piramal Finance Limited (NSE: PIRAMALFIN) breaks out, gains 7% intraday2026-06-22
