Poonawalla Fincorp reported a 69.6% QoQ surge in Q4 PAT to ₹255 crore, driven by a 69.4% YoY AUM growth to ₹60,348 crore.
Net Interest Margin expanded 43 bps sequentially to 9.05%, while credit cost improved to 2.51% and GNPA declined to 1.44%.
The company highlighted strong operating leverage with Opex-to-AUM falling to 4.13% and ROA reaching 1.81%, supported by 42 deployed AI projects.