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PTC India Financial Services Limited PFS NSEFINANCIAL

Financial Services · Credit Services · India
https://www.ptcfinancial.com
Company Profile ↓
₹25.08
-35.64% 1Y
Mkt Cap₹1,610.85 Cr
P/E7.23
P/B0.55
52W High₹40.13
52W Low₹24.01
Book Value₹47.95
EPS (TTM)₹3.47

Company Overview

PTC India Financial Services Limited, a non-banking finance company, provides project financing services for entire energy value chain through investment and lending into power generation, transmission and distribution, and fuel sources and related infrastructure projects; offers debt assistance to projects; long and short term loans; advisory services; and equity investment services for green and brown-field projects, as well as bridge financing to the projects. The company was incorporated in 2006 and is based in New Delhi, India. PTC India Financial Services Limited is a subsidiary of PTC India Limited.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.0% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 7.2, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 63.4%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹478.91 Cr (-24.0% YoY); net profit ₹319.36 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -56.7%, earnings -70.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR -13.8%, profit CAGR 22.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-13.83%
1 Year:-56.70%

Compounded Profit Growth

5 Years:22.02%
1 Year:-70.40%

Stock Price Performance

1 Year:-35.64%
6 Months:-20.33%
3 Months:-15.10%
1 Month:-6.17%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 7% of range
₹24.01 ₹40.13
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)35.93 · Neutral
Price Performance
1M-6.17%
3M-15.10%
6M-20.33%
1Y-35.64%
Valuation vs Sector

P/E of 7.23 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 63.4%.
  • Profit CAGR of 22.0% over 5 years.
  • Generates positive free cash flow.

CONS

  • Revenue declined at -13.8% CAGR over 5 years.
  • Trading 37.5% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.23
Industry PE
15.36
Forward P/E
4.15
PEG Ratio
-
Book Value
₹47.95
Price to Book
0.55
P/S
4.86
EV/EBITDA
9.00
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-13.83%
Profit 5Y
22.02%
Revenue (YoY)
-56.70%
Earnings (YoY)
-70.40%

Profitability & Returns

ROCE
7.84%
ROE
10.37%
ROA
6.44%
Profit Margin
63.43%
Op Margin
79.13%
Gross Margin
93.41%
EPS (Latest Qtr)
₹0.63
EPS (TTM)
₹3.47

Balance Sheet & Liquidity

Debt/Equity
0.57
Quick Ratio
-
Current Ratio
3,086.73
Debt
₹1,768.11 Cr
Total Assets
₹4,956.25 Cr
Current Assets
₹4,105.35 Cr
Working Capital
₹4,104.02 Cr

Ownership

Promoter Holding
0.00%
Chg in Prom Hold
-0.03%
FII / Inst Holding
70.53%
Chg in FII Hold
-0.04%

Financial Snapshot

Enterprise Value
₹1,610.85 Cr
Total Revenue (TTM)
₹351.51 Cr
EBITDA
₹395.88 Cr
Free Cash Flow
₹1,779.76 Cr
Operating Cash Flow
₹1,780.11 Cr
Shares Outstanding
₹64.23 Cr
Gross Margin
93.41%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PFS PTC India Financial Services Limited NSEFINANCIAL 25.08 7.23 ₹1,610.85 Cr 0.00% 7.84% 10.37% -13.83% 22.02%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 194.00 Cr190.00 Cr190.00 Cr204.00 Cr176.00 Cr161.00 Cr--147.21 Cr135.30 Cr132.00 Cr110.93 Cr110.91 Cr89.42 Cr
Cost of Revenue --------76.18 Cr70.70 Cr-64.58 Cr49.50 Cr45.81 Cr
Gross Profit --------71.03 Cr64.60 Cr-46.35 Cr61.41 Cr43.61 Cr
Operating Expenses 48.00 Cr34.00 Cr14.00 Cr32.00 Cr64.00 Cr12.00 Cr--48.00 L-81.38 Cr-45.00 Cr-16.95 Cr-15.00 L-10.64 Cr
Operating Income --------70.55 Cr145.98 Cr-63.30 Cr61.56 Cr54.25 Cr
EBITDA --------72.34 Cr147.81 Cr-65.18 Cr63.40 Cr55.95 Cr
Interest Expense 105.00 Cr108.00 Cr107.00 Cr103.00 Cr92.00 Cr88.00 Cr----58.00 Cr---
Pretax Income 45.00 Cr49.00 Cr80.00 Cr67.00 Cr19.00 Cr59.00 Cr--75.11 Cr146.31 Cr118.00 Cr64.17 Cr61.59 Cr54.25 Cr
Tax Provision 9.00 Cr12.25 Cr20.00 Cr16.75 Cr5.32 Cr14.75 Cr--16.95 Cr9.68 Cr29.50 Cr15.08 Cr16.09 Cr14.01 Cr
Net Income 36.00 Cr37.00 Cr60.00 Cr50.00 Cr14.00 Cr44.00 Cr--58.16 Cr136.63 Cr88.00 Cr49.09 Cr45.50 Cr40.24 Cr
Diluted EPS 0.570.570.930.780.220.69--0.912.131.370.760.710.63

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 1,187.00 Cr1,351.00 Cr1,185.00 Cr1,336.00 Cr1,364.00 Cr1,139.00 Cr-748.58 Cr704.38 Cr629.90 Cr478.91 Cr
Cost of Revenue -------450.76 Cr427.91 Cr339.96 Cr248.82 Cr
Gross Profit -------297.82 Cr276.47 Cr289.94 Cr230.09 Cr
Operating Expenses 121.00 Cr175.00 Cr647.00 Cr108.00 Cr243.00 Cr289.00 Cr-31.71 Cr113.97 Cr16.05 Cr-158.36 Cr
Operating Income -------266.11 Cr162.50 Cr273.89 Cr388.45 Cr
EBITDA -------239.06 Cr224.31 Cr280.45 Cr395.88 Cr
Interest Expense 530.00 Cr645.00 Cr685.00 Cr944.00 Cr948.00 Cr752.00 Cr1.38 Cr61.58 L1.85 Cr1.48 Cr-
Pretax Income 531.00 Cr529.00 Cr-150.00 Cr281.00 Cr172.00 Cr93.00 Cr-232.37 Cr215.98 Cr278.52 Cr389.70 Cr
Tax Provision 138.06 Cr185.15 Cr49.50 Cr95.54 Cr61.92 Cr67.89 Cr-56.56 Cr55.23 Cr61.47 Cr70.34 Cr
Net Income 391.00 Cr345.00 Cr-100.00 Cr184.00 Cr110.00 Cr26.00 Cr-175.81 Cr160.75 Cr217.05 Cr319.36 Cr
Diluted EPS 6.965.38-1.562.871.710.40-2.742.503.384.97

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 8,823.00 Cr10,752.00 Cr12,315.00 Cr13,193.00 Cr11,642.00 Cr11,532.00 Cr-7,634.40 Cr6,524.93 Cr5,682.59 Cr4,956.25 Cr
Current Assets -------1,639.68 Cr2,477.11 Cr2,368.19 Cr4,105.35 Cr
Cash & Equivalents -------25.67 Cr230.84 Cr762.52 Cr61.30 Cr
Inventory -----------
Receivables -------4.20 Cr62.00 L49.00 L82.00 L
Total Liabilities -------5,191.66 Cr3,986.19 Cr2,928.27 Cr1,876.53 Cr
Current Liabilities -------1,270.98 Cr1,162.45 Cr1,155.51 Cr1.33 Cr
Long Term Debt -------3,892.63 Cr2,804.05 Cr1,758.48 Cr1,757.17 Cr
Total Debt -------5,121.76 Cr3,925.57 Cr2,860.94 Cr1,768.11 Cr
Total Equity 1,742.00 Cr2,419.00 Cr1,939.00 Cr2,066.00 Cr2,115.00 Cr2,119.00 Cr-2,442.74 Cr2,538.74 Cr2,754.32 Cr3,079.72 Cr
Shares Outstanding -------64.23 Cr64.23 Cr64.23 Cr64.23 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,167.00 Cr-888.00 Cr-1,302.00 Cr236.00 Cr3,228.00 Cr1,311.00 Cr-1,887.28 Cr2,562.99 Cr1,139.22 Cr1,780.11 Cr
Investing Cash Flow -0-5.00 Cr-13.00 Cr-0-386.00 Cr-162.00 Cr-259.48 Cr-689.06 Cr775.67 Cr-1,165.07 Cr
Financing Cash Flow 1,169.00 Cr904.00 Cr1,338.00 Cr-257.00 Cr-2,652.00 Cr-883.00 Cr--2,459.08 Cr-1,668.76 Cr-1,383.21 Cr-1,316.26 Cr
Capital Expenditure 0-6.00 Cr-12.00 Cr000--50.58 L-69.00 L-4.02 Cr-35.00 L
Free Cash Flow -1,167.00 Cr-894.00 Cr-1,314.00 Cr236.00 Cr3,228.00 Cr1,311.00 Cr-1,886.77 Cr2,562.30 Cr1,135.20 Cr1,779.76 Cr
Net Change in Cash 2.00 Cr11.00 Cr24.00 Cr-21.00 Cr191.00 Cr266.00 Cr--312.33 Cr205.17 Cr531.68 Cr-701.22 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -------39.8%39.3%46.0%48.0%
Operating Margin % -------35.5%23.1%43.5%81.1%
Net Margin % 32.9%25.5%-8.4%13.8%8.1%2.3%-23.5%22.8%34.5%66.7%
ROE % 22.4%14.3%-5.2%8.9%5.2%1.2%-7.2%6.3%7.9%10.4%
ROCE % -------4.2%3.0%6.1%7.8%

Shareholding Pattern

Insiders
0.00%
Institutions
70.53%
Public Float
70.53%

Analyst View

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Latest News

Recent headlines for PFS

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Google News hu, 08 Oct 2026

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Google News ue, 04 Aug 2026

PFS Stock Price and Chart — NYSE:PFS - TradingView

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Google News Wed, 21 Oct 2026

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PFS — Frequently Asked Questions

What is the current share price of PTC India Financial Services Limited (PFS)?

As of 2026-10-23 04:58 IST, PTC India Financial Services Limited (PFS) trades at ₹25.08 on NSE. Its 52-week range is ₹24.01 to ₹40.13.

What is the market capitalisation of PFS?

PTC India Financial Services Limited (PFS) has a market capitalisation of ₹1,610.85 Cr on NSE.

What is the P/E ratio of PFS?

PFS trades at a trailing price-to-earnings (P/E) ratio of 7.23. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.55.

What is the return on equity (ROE) of PFS?

PFS has a return on equity (ROE) of 10.37%. Its return on capital employed (ROCE) is 7.84%.

Is PFS a good stock to buy?

This page provides a data-driven analysis of PTC India Financial Services Limited (PFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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