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PTC India Financial Services Limited PFS NSEFINANCIAL

Financial Services · Credit Services · India
https://www.ptcfinancial.com
Company Profile ↓
₹30.67
-26.42% 1Y
Mkt Cap₹1,969.88 Cr
P/E6.17
P/B0.65
52W High₹42.88
52W Low₹24.01
Book Value₹47.95
EPS (TTM)₹4.97

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 such 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 6.2, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 66.7%.

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 -24.0%, earnings +47.1%.
  • 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:-23.97%

Compounded Profit Growth

5 Years:22.02%
1 Year:47.14%

Stock Price Performance

1 Year:-26.42%
6 Months:-5.83%
3 Months:-1.64%
1 Month:-0.36%

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

Technical Snapshot Bearish
52-Week Range 35% of range
₹24.01 ₹42.88
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)47.43 · Neutral
Price Performance
1M-0.36%
3M-1.64%
6M-5.83%
1Y-26.42%
Valuation vs Sector

P/E of 6.17 is below the sector median of 19.81 — 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 66.7%.
  • Profit CAGR of 22.0% over 5 years.
  • Generates positive free cash flow.

CONS

  • Revenue declined at -13.8% CAGR over 5 years.
  • Trading 28.5% 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
6.17
Industry PE
19.81
Forward P/E
5.07
PEG Ratio
-
Book Value
₹47.95
Price to Book
0.65
P/S
4.44
EV/EBITDA
9.35
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-13.83%
Profit 5Y
22.02%
Revenue (YoY)
-23.97%
Earnings (YoY)
47.14%

Profitability & Returns

ROCE
7.84%
ROE
10.37%
ROA
6.44%
Profit Margin
66.68%
Op Margin
81.11%
Gross Margin
48.04%
EPS (Latest Qtr)
₹0.71
EPS (TTM)
₹4.97

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
0.03%
Chg in Prom Hold
-
FII / Inst Holding
70.68%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹1,969.88 Cr
Total Revenue (TTM)
₹478.91 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
48.04%
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 30.67 6.17 ₹1,969.88 Cr 0.00% 7.84% 10.37% -13.83% 22.02%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
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 2026
Revenue 194.00 Cr190.00 Cr190.00 Cr204.00 Cr176.00 Cr161.00 Cr-158.07 Cr147.21 Cr140.43 Cr132.00 Cr110.93 Cr110.91 Cr
Cost of Revenue -------83.10 Cr76.18 Cr70.70 Cr-64.58 Cr49.50 Cr
Gross Profit -------74.97 Cr71.03 Cr69.73 Cr-46.35 Cr61.41 Cr
Operating Expenses 48.00 Cr34.00 Cr14.00 Cr32.00 Cr64.00 Cr12.00 Cr--5.64 Cr48.00 L-76.25 Cr-45.00 Cr-16.95 Cr-15.00 L
Operating Income -------80.61 Cr70.55 Cr145.98 Cr-63.30 Cr61.56 Cr
EBITDA -------82.23 Cr72.34 Cr147.81 Cr-65.18 Cr63.40 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-80.66 Cr75.11 Cr146.31 Cr118.00 Cr64.17 Cr61.59 Cr
Tax Provision 9.00 Cr12.25 Cr20.00 Cr16.75 Cr5.32 Cr14.75 Cr-13.52 Cr16.95 Cr9.68 Cr29.50 Cr15.08 Cr16.09 Cr
Net Income 36.00 Cr37.00 Cr60.00 Cr50.00 Cr14.00 Cr44.00 Cr-67.14 Cr58.16 Cr136.63 Cr88.00 Cr49.09 Cr45.50 Cr
Diluted EPS 0.570.570.930.780.220.69-1.050.912.131.370.760.71

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
0.03%
Institutions
70.68%
Public Float
70.70%

Analyst View

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PFS — Frequently Asked Questions

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

As of 2026-07-15 09:52 IST, PTC India Financial Services Limited (PFS) trades at ₹30.67 on NSE. Its 52-week range is ₹24.01 to ₹42.88.

What is the market capitalisation of PFS?

PTC India Financial Services Limited (PFS) has a market capitalisation of ₹1,969.88 Cr on NSE.

What is the P/E ratio of PFS?

PFS trades at a trailing price-to-earnings (P/E) ratio of 6.17. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.65.

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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