Poonawalla Fincorp Ltd.'s net profit went down 81% in the fourth quarter of the last financial year, missing analysts' estimates.The company posted a profit of Rs 62 crore in the quarter ended March, according to an exchange filing on Friday. Analysts tracked by Bloomberg had a consensus estimate of Rs 138.4 crore.Poonawalla Fincorp Q4 Earnings Highlights (YoY)Net Interest Income up 12% to Rs 715 crore.Total Income up 27.3% to Rs 1,173.31 crore versus Rs 921.73 crore.Net profit down 81.2% to Rs 63 crore versus Rs 331.70 crore (Bloomberg Estimate: Rs 138.35 crore).Gross Non Performing Assets down one basis point to to 1.84% from 1.85% (QoQ)Net Non Performing Assets up four basis points to 0.85% versus 0.81% (QoQ)Poonawalla Fincorp Ventures Into Gold Loan Business, Expands Secured Lending PortfolioPoonawalla Fincorp Q4 Business PerformanceAssets under management up 43% to Rs 35,631 crore (YoY).Credit costs down 27% to Rs 253 crore from Rs 348 crore (QoQ).Total borrowings as on March 31, 2025, at Rs 25,881 crore.The firm will not be issuing a dividend. "In view of the future growth of the company, the board of directors has decided to conserve capital and therefore no dividend was declared for financial year 2024-2025," the exchange filing said.Shares of Poonawalla Fincorp closed 4.19% lower at Rs 380.40 apiece, compared to a 0.86% decline in the benchmark Nifty. The share price has fallen 22.84% in the last 12 months and risen 21.01% for year-to-date.Four out of the eight analysts tracking the company have a 'buy' rating on the stock and one suggests a 'hold,' while three recommend a 'sell' rating on the stock, according to Bloomberg. The stock's return potential was at a downturn of 11.7%.Poonawalla Fincorp To Raise Rs 1,875 Crore Via Issuance Of NCDs