Power Finance Corporation Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 23.4%
- Solid return on assets for a lender - ROA of 3.4%
- Company has a good return on equity (ROE) track record: 3 Years ROE 20.2%
- Asset quality is healthy - gross NPA of just 1.8%
- Company has been maintaining a healthy dividend payout of 30.5%
CONS
- Company has a low return on capital employed of 9.8%
- Free cash flow has been persistently negative
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 350.70 | 4.44 | 115734.57 | 5.29 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.37 | 14.79 | 106338.43 | 2.58 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 315.35 | 5.18 | 83038.72 | 5.88 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 89.04 | 137.53 | 23990.17 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 141.40 | 76.58 | 6546.50 | 0.42 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 215.00 | 5.80 | 2375.13 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| TRU | 4.13 | 0.00 | 49.09 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10,139 | 11,787 | 11,852 | 12,244 | 11,910 | 13,207 | 13,044 | 14,939 | 13,773 | 14,756 | 14,656 | 15,319 | 13,993 | |
| -153 | 7,003 | 526 | -34 | -127 | 256 | 245 | 1,042 | -11 | 1,027 | 366 | -824 | 8,082 | |
| Operating Profit | 10,292 | 11,751 | 11,326 | 12,278 | 12,037 | 12,950 | 12,798 | 13,897 | 13,784 | 13,728 | 14,290 | 16,143 | 14,423 |
| OPM % | 101.51% | 99.69% | 95.56% | 100.28% | 101.07% | 98.06% | 98.12% | 93.03% | 100.08% | 93.04% | 97.50% | 105.38% | 103.07% |
| Other Income | 3 | 1 | 2 | 5 | 6 | 9 | 9 | 5 | 3 | 1 | 5 | 29 | 2 |
| Interest | 6,621 | 6,963 | 7,174 | 7,258 | 7,500 | 7,502 | 7,722 | 7,794 | 8,270 | 8,183 | 8,329 | 8,403 | 8,503 |
| Depreciation | 4 | 4 | 5 | 6 | 4 | 4 | 5 | 6 | 5 | 6 | 8 | 6 | 9 |
| 3,671 | 4,785 | 4,150 | 5,020 | 4,539 | 5,452 | 5,079 | 6,101 | 5,513 | 5,540 | 5,957 | 7,764 | 5,913 | |
| Tax % | 18.09% | 19.60% | 18.61% | 17.62% | 18.10% | 19.85% | 18.20% | 16.26% | 18.35% | 19.46% | 20.04% | 18.54% | 19.75% |
| Net Profit | 3,007 | 3,847 | 3,377 | 4,135 | 3,718 | 4,370 | 4,155 | 5,109 | 4,502 | 4,462 | 4,763 | 6,325 | 4,745 |
| 9 | 1 | 10 | 13 | 11 | 13 | 13 | 15 | 14 | 14 | 14 | 19 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 26,908 | 25,976 | 28,749 | 33,363 | 37,745 | 38,545 | 39,652 | 46,022 | 53,099 | 58,504 | 58,723 | |
| 5,517 | 3,186 | 962 | 4,020 | 5,183 | 3,718 | 2,669 | 933 | 1,661 | 2,623 | 8,651 | |
| Operating Profit | 21,391 | 22,790 | 27,786 | 29,343 | 32,561 | 34,827 | 36,983 | 45,089 | 51,439 | 55,881 | 50,073 |
| OPM % | 79.50% | 87.74% | 96.65% | 87.95% | 86.27% | 90.35% | 93.27% | 97.97% | 96.87% | 95.52% | 85.27% |
| 360 | 18 | 1,025 | 713 | 853 | 86 | 490 | 590 | 283 | 2,096 | 37 | |
| Interest | 16,635 | 16,957 | 18,989 | 21,855 | 23,196 | 22,672 | 23,284 | 28,035 | 30,529 | 33,178 | 33,419 |
| Depreciation | 6 | 6 | 6 | 9 | 11 | 13 | 19 | 18 | 20 | 24 | 28 |
| Profit before Tax | 5,110 | 5,845 | 9,816 | 8,193 | 10,207 | 12,228 | 14,171 | 17,626 | 21,172 | 24,774 | 25,174 |
| Tax % | 58.39% | 24.95% | 29.17% | 30.97% | 17.27% | 18.04% | 18.10% | 18.49% | 18.04% | 19.06% | 19.38% |
| Net Profit | 2,126 | 4,387 | 6,953 | 5,655 | 8,444 | 10,022 | 11,605 | 14,367 | 17,352 | 20,051 | 20,295 |
| EPS | 8.05 | 16.62 | 26.34 | 21.42 | 31.98 | 37.96 | 35.17 | 43.54 | 52.58 | 60.76 | — |
| Dividend Payout % | 62.08% | 46.94% | 0.00% | 44.35% | 31.27% | 31.61% | 30.14% | 31.01% | 30.05% | 30.53% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 8%
- 5 Years:
- 9%
- 3 Years:
- 14%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 13%
- 5 Years:
- 19%
- 3 Years:
- 20%
STOCK PRICE CAGR
- 10 Years:
- 14%
- 5 Years:
- 27%
- 3 Years:
- 13%
- 1 Year:
- -11%
RETURN ON EQUITY
- 10 Years:
- 16%
- 5 Years:
- 19%
- 3 Years:
- 20%
- Last Year:
- 21%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 2,640 | 2,640 | 2,640 | 2,640 | 2,640 | 2,640 | 2,640 | 3,300 | 3,300 | 3,300 |
| 33,830 | 34,316 | 40,648 | 42,524 | 49,753 | 56,710 | 65,562 | 75,903 | 87,637 | 99,232 | |
| 1,83,388 | 2,41,676 | 2,93,447 | 3,08,273 | 3,30,051 | 3,25,082 | 3,67,554 | 4,21,954 | 4,81,284 | 5,04,155 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 12 | 8 | 25 |
| 38,603 | -3,271 | 3,930 | 5,398 | 5,643 | 5,826 | 5,030 | 857 | 2,597 | 8,444 | |
| Total Liabilities | 2,58,461 | 2,75,361 | 3,40,665 | 3,58,835 | 3,88,087 | 3,90,258 | 4,40,800 | 5,02,026 | 5,74,826 | 6,15,156 |
| 63 | 27 | 28 | 68 | 73 | 80 | 78 | 76 | 85 | 99 | |
| 3,591 | 2,520 | 16,586 | 16,473 | 15,974 | 16,084 | 17,304 | 20,220 | 20,720 | 20,718 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 3,573 | 553 | 14,201 | 199 | 4,762 | 3,961 | 1,618 | 222 | 6,758 | 2,261 |
| 2,51,235 | 2,72,261 | 3,09,850 | 3,42,095 | 3,67,279 | 3,70,133 | 4,21,799 | 4,81,508 | 5,47,263 | 5,92,077 | |
| Total Assets | 2,58,461 | 2,75,361 | 3,40,665 | 3,58,835 | 3,88,087 | 3,90,258 | 4,40,800 | 5,02,026 | 5,74,826 | 6,15,156 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5,320 | -22,077 | -42,036 | -6,961 | -15,137 | 9,166 | -33,345 | -38,680 | -50,365 | -7,336 | |
| Cash from Investing | -475 | 1,428 | -13,820 | 16 | 881 | -211 | -714 | -1,473 | -935 | -535 |
| Cash from Financing | 1,475 | 23,775 | 58,092 | 8,343 | 20,169 | -9,705 | 35,774 | 40,153 | 51,301 | 8,927 |
| 3,087 | 495 | -228 | -128 | 3,535 | -2,997 | -699 | -0 | 0 | 1,056 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - Power Finance Corporation Limited has informed the Exchange regarding Change in Auditors of the company.
2026-09-01 - Power Finance Corporation Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 31, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-31 - Proceedings of 40th AGM of Power Finance Corporation Limited
2026-08-29 - Transfer of Fatehgarh II Transmission Limited (wholly owned subsidiary of PFC Consulting Limited) (wholly owned subsidiary of Power Finance Corporation Limited).
2026-08-14 - Newspaper Publication-Financial Results
2026-08-12 - Newspaper Publication in respect of Notice of 40th Annual General Meeting & e-voting information
2026-08-09 - Power Finance Corporation Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 31, 2026
2026-08-08 - Power Finance Corporation Limited has informed the Exchange about General Updates
2026-08-08 - Power Finance Corporation Limited has informed the Exchange about General Updates
News
Recent coverage and analyst commentary for PFC
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