PTC India Financial Services 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
- Company has delivered good profit growth of 65.7% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 66.6%
- Solid return on assets for a lender - ROA of 6.0%
- Operating margins have improved to 91.5% from 84.9%
- Company generates healthy free cash flow
- Attractively priced for its growth - PEG of 0.4
CONS
- Asset quality is weak - gross NPA at 6.3%
- Recent results are weak - TTM profit is down 42.8% versus prior year
- A large part of profit comes from other income (39.7% of PBT)
- Company has a low return on capital employed of 10.2%
- Company has a low return on equity of 8.5% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.20 | 32.51 | 660075.68 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1037.00 | 21.56 | 244004.39 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 369.00 | 28.99 | 156635.67 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1832.00 | 27.21 | 156464.89 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 234.70 | 74.99 | 154975.73 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11066.15 | 13.91 | 123159.07 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2885.00 | 10.18 | 115823.66 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.90 | 27.01 | 110843.33 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 310.80 | 24.48 | 77897.44 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 670.10 | 28.03 | 63769.60 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 685.15 | 26.16 | 56919.86 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| PFS | 27.32 | 7.87 | 1754.72 | 0.00 | 40.24 | -70.55 | 103.31 | -26.58 | 11.83 | 91.42 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 189 | 189 | 204 | 175 | 160 | 162 | 158 | 152 | 141 | 130 | 121 | 118 | 103 | |
| 34 | 14 | 32 | 64 | 12 | 15 | -2 | 9 | -71 | -45 | -1 | 12 | 49 | |
| Operating Profit | 156 | 177 | 172 | 113 | 149 | 148 | 160 | 144 | 213 | 177 | 118 | 107 | 94 |
| OPM % | 82.45% | 93.67% | 84.49% | 64.23% | 92.99% | 91.62% | 101.71% | 94.53% | 151.47% | 136.01% | 97.53% | 90.58% | 91.42% |
| Other Income | 3 | 12 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 3 | 0 | 0 |
| Interest | 108 | 107 | 103 | 92 | 88 | 83 | 78 | 72 | 65 | 58 | 58 | 44 | 38 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 49 | 80 | 67 | 19 | 59 | 63 | 81 | 75 | 146 | 118 | 64 | 62 | 54 | |
| Tax % | 25.35% | 25.28% | 25.36% | 28.14% | 25.18% | 25.34% | 16.76% | 22.57% | 6.62% | 25.07% | 23.50% | 26.12% | 25.82% |
| Net Profit | 37 | 60 | 50 | 14 | 44 | 47 | 67 | 58 | 137 | 88 | 49 | 46 | 40 |
| 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 0 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,351 | 1,188 | 1,334 | 1,364 | 1,131 | 953 | 791 | 761 | 633 | 515 | 473 | |
| 175 | 650 | 107 | 241 | 289 | 207 | 126 | 143 | 43 | 44 | 15 | |
| Operating Profit | 1,176 | 538 | 1,227 | 1,123 | 841 | 746 | 665 | 618 | 590 | 471 | 458 |
| OPM % | 87.04% | 45.27% | 91.96% | 82.34% | 74.40% | 78.24% | 84.09% | 81.24% | 93.17% | 91.47% | 96.93% |
| 1 | 1 | 2 | 5 | 11 | 16 | 6 | 16 | 16 | 152 | 1 | |
| Interest | 645 | 686 | 945 | 950 | 753 | 582 | 433 | 411 | 322 | 226 | 198 |
| Depreciation | 3 | 3 | 3 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 |
| Profit before Tax | 529 | -150 | 281 | 172 | 93 | 174 | 232 | 216 | 279 | 390 | 298 |
| Tax % | 34.68% | 33.37% | 34.47% | 36.06% | 72.59% | 25.26% | 24.34% | 25.57% | 22.07% | 18.05% | 25.09% |
| Net Profit | 345 | -100 | 184 | 110 | 26 | 130 | 176 | 161 | 217 | 319 | 223 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.40 | 2.02 | 2.74 | 2.50 | 3.38 | 4.97 | — |
| Dividend Payout % | 27.90% | -12.82% | 27.90% | 26.28% | 0.00% | 0.00% | 36.53% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -8%
- 5 Years:
- -15%
- 3 Years:
- -13%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -2%
- 5 Years:
- 66%
- 3 Years:
- 22%
STOCK PRICE CAGR
- 10 Years:
- -3%
- 5 Years:
- 9%
- 3 Years:
- -2%
- 1 Year:
- -26%
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 8%
- 3 Years:
- 9%
- Last Year:
- 11%
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 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 |
| 1,777 | 1,297 | 1,424 | 1,473 | 1,477 | 1,622 | 1,800 | 1,896 | 2,112 | 2,437 | |
| 8,123 | 10,229 | 10,918 | 9,275 | 9,174 | 7,121 | 5,122 | 3,923 | 2,856 | 1,768 | |
| Trade Payables | 4 | 5 | 3 | 7 | 3 | 2 | 2 | 2 | 6 | 1 |
| 799 | 604 | 763 | 864 | 921 | 864 | 18 | 13 | 36 | 108 | |
| Total Liabilities | 11,346 | 12,777 | 13,751 | 12,261 | 12,218 | 10,251 | 7,584 | 6,477 | 5,652 | 4,956 |
| 15 | 14 | 12 | 22 | 16 | 12 | 30 | 25 | 23 | 16 | |
| 114 | 63 | 96 | 356 | 373 | 350 | 91 | 122 | 268 | 832 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | |
| Cash & Bank | 35 | 58 | 39 | 433 | 855 | 957 | 590 | 1,504 | 1,111 | 1,008 |
| 11,182 | 12,642 | 13,604 | 11,450 | 10,974 | 8,932 | 6,873 | 4,825 | 4,250 | 3,100 | |
| Total Assets | 11,346 | 12,777 | 13,751 | 12,261 | 12,218 | 10,251 | 7,584 | 6,477 | 5,652 | 4,956 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -697 | -1,151 | 366 | 3,352 | 1,264 | 2,590 | 1,878 | 2,563 | 1,139 | 1,780 | |
| Cash from Investing | -5 | -13 | -0 | -386 | -162 | -154 | 259 | -689 | 776 | -1,165 |
| Cash from Financing | 904 | 1,338 | -257 | -2,652 | -883 | -2,719 | -2,459 | -1,669 | -1,383 | -1,316 |
| 11 | 24 | -21 | 191 | 266 | -151 | -312 | 205 | 532 | -701 |
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
2026-08-25 - PTC India Financial Services Limited has informed the Exchange about Copy of Newspaper Publication regarding completion of despatch of Notice of 20th Annual General Meeting of the Company
2026-08-24 - PTC India Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 24, 2026
2026-08-21 - PTC India Financial Services Limited has informed the Exchange about Copy of Newspaper Publication regarding 20th Annual General Meeting scheduled to be held on Thursday, 24th September 2026 at 12:00 P.M. (IST)
2026-08-20 - PTC India Financial Services Limited has informed the Exchange regarding 'Intimation of 20th Annual General Meeting of PTC India Financial Services Limited scheduled to be held on Thursday, 24th September 2026 at 12:00 P.M. (IST)'.
2026-08-03 - PTC India Financial Services Limited has informed the Exchange about Transcript
2026-07-29 - PTC India Financial Services Limited has informed the Exchange about Link of Recording
2026-07-29 - PTC India Financial Services Limited has informed the Exchange about Copy of Newspaper Publication of Unaudited Financial Results for the quarter ended 30th June2026
2026-07-28 - PTC India Financial Services Limited has informed the Exchange about Investors Presentation on the Financial Results for the quarter ended June 30, 2026
2026-07-28 - PTC India Financial Services Limited has informed the Exchange regarding a press release dated July 28, 2026, titled "Press Release- Financial Performance for the quarter ended June 30, 2026".
News
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