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PTC India Financial Services Ltd.

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ptcfinancial.comBSE: 533344NSE: PFS
Market Cap₹ 1,755 Cr.
Current Price
High / Low₹ 40 / 24
Stock P/E7.9
Book Value₹ 49
Price to Book0.50
Dividend Yield0.00 %
ROCE11.8 %
ROE10.9 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1060.2032.51660075.680.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1037.0021.56244004.391.043452.7759.9013400.4317.4611.4974.63
3.TATACAP369.0028.99156635.670.1516281.801464.1688219.301051.008.6675.72
4.CHOLAFIN1832.0027.21156464.890.111656.2245.568856.2921.899.7070.07
5.JIOFIN234.7074.99154975.730.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11066.1513.91123159.071.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2885.0010.18115823.661.042824.8443.088671.6036.2515.8783.76
8.ABCAPITAL404.9027.01110843.330.001223.8543.8512179.54137.848.8241.91
9.LTF310.8024.4877897.440.88915.9930.705212.9222.388.5462.13
10.SBICARD670.1028.0363769.600.37664.4419.515040.557.6011.7529.83
11.HDBFS685.1526.1656919.860.58785.2038.314937.9018.719.0957.98
12.PFS27.327.871754.720.0040.24-70.55103.31-26.5811.8391.42
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
189189204175160162158152141130121118103
341432641215-29-71-45-11249
Operating Profit15617717211314914816014421317711810794
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 Income31200000500300
Interest10810710392888378726558584438
Depreciation2222222222222
4980671959638175146118646254
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 Profit376050144447675813788494640
1110111121110

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1,3511,1881,3341,3641,131953791761633515473
175650107241289207126143434415
Operating Profit1,1765381,2271,123841746665618590471458
OPM %87.04%45.27%91.96%82.34%74.40%78.24%84.09%81.24%93.17%91.47%96.93%
11251116616161521
Interest645686945950753582433411322226198
Depreciation33366666777
Profit before Tax529-15028117293174232216279390298
Tax %34.68%33.37%34.47%36.06%72.59%25.26%24.34%25.57%22.07%18.05%25.09%
Net Profit345-10018411026130176161217319223
EPS0.000.000.000.000.402.022.742.503.384.97—
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

Corporate actions

2023

Sep 5

₹ 0.10

Rs.1.0000 per share(10%)Final Dividend

2020

Sep 14

₹ 0.04

Rs.0.4500 per share(4.5%)Final Dividend

2019

Sep 20

₹ 0.08

Rs.0.8000 per share(8%)Final Dividend

2018

Aug 29

₹ 0.02

Rs.0.2000 per share(2%)Dividend

2017

Sep 13

₹ 0.15

Rs.1.5000 per share(15%)Dividend

2016

Sep 14

₹ 0.12

Rs.1.2000 per share(12%)Dividend

2015

Sep 16

₹ 0.10

Rs.1.0000 per share(10%)Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital642642642642642642642642642642
1,7771,2971,4241,4731,4771,6221,8001,8962,1122,437
8,12310,22910,9189,2759,1747,1215,1223,9232,8561,768
Trade Payables4537322261
799604763864921864181336108
Total Liabilities11,34612,77713,75112,26112,21810,2517,5846,4775,6524,956
15141222161230252316
114639635637335091122268832
0000000101
Cash & Bank3558394338559575901,5041,1111,008
11,18212,64213,60411,45010,9748,9326,8734,8254,2503,100
Total Assets11,34612,77713,75112,26112,21810,2517,5846,4775,6524,956

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-697-1,1513663,3521,2642,5901,8782,5631,1391,780
Cash from Investing-5-13-0-386-162-154259-689776-1,165
Cash from Financing9041,338-257-2,652-883-2,719-2,459-1,669-1,383-1,316
1124-21191266-151-312205532-701

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
64.9964.9964.9964.9964.9964.9964.9964.99
2.052.032.072.222.192.172.122.03
5.005.485.425.085.065.065.055.06
Government0.000.000.000.000.000.000.000.00
27.9627.5027.5027.7127.7627.7827.8327.93

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-25
Copy of Newspaper Publication

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
Shareholders meeting

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
Copy of Newspaper Publication

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
Updates

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
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-03 - PTC India Financial Services Limited has informed the Exchange about Transcript

2026-07-29
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-29 - PTC India Financial Services Limited has informed the Exchange about Link of Recording

2026-07-29
Copy of Newspaper Publication

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
General Updates

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
Press Release

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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