Finance company Poonawalla Fincorp announced Q4FY26 results Assets Under Management (AUM) stood at Rs 60,348 crore. Secured to Unsecured on-book mix at 54:46. Net Interest Income (inc. fees and other income) at Rs 1,276 crore, up 78.5% YoY. Net Interest Margin (NIM) (inc. fees and other income) at 9.05% in Q4FY26 vs 8.62% in Q3FY26, improved 43 bps QoQ. PPoP of Rs 695 crore, up 108.7% YoY in the quarter ended March 31, 2026. PAT of Rs 255 crore in Q4FY26 vs Rs 150 crore in Q3FY26. Stable asset quality: GNPA stood at 1.44% in Q4FY26 vs 1.51% in Q3FY26. NNPA stood at 0.74% in Q4FY26 vs 0.80% in Q3FY26. Credit cost as a percentage to average AUM is at 2.51% in Q4FY26 vs 2.62% in Q3FY26. Stage 1 Assets stood at 97.5% of on-book assets in Q4FY26 vs 97.4% in Q3FY26. Capital Adequacy Ratio at 16.83% (Tier-1 at 15.90%) as on March 31, 2026, well above the regulatory requirement of 15%. Following the successful Rs 2,500 crore capital raise through QIP, simulated Capital adequacy ratio is 20.74% basis March 2026 balance sheet, providing enough headroom for growth. Liquidity buffer stood at Rs 7,590 crore as of March 31, 2026. Cost of Borrowing at 7.63% for this quarter, 2 bps lower than Q3FY26. 19 new AI projects have been added this quarter, bringing the total to 76 cutting-edge AI projects, of which 42 projects have been successfully implemented. Arvind Kapil, Managing Director & CEO, Poonawalla Fincorp, said: “We have reached a pivotal inflection point in our growth trajectory. By simultaneously expanding our yields and optimizing our operating architecture, we are seeing a powerful expansion in incremental NIMs. With credit costs trending lower and Opex-to-AUM decoupling, the business is now primed for high-quality, sustained profitability. Even as this operating leverage kicks in, we remain committed to strategic investments this fiscal year, ensuring our current momentum translates into a long-term, healthy, and durable earnings model.” Result PDF