MarketFriction

PTC India Financial Services Ltd

NSE PFS · BSE 533344 · Non Banking Financial Company (NBFC)
₹28.81 -0.93%
NSE close2026-10-01
52 week range23.85 - 40.50
Market cap₹1,802 Cr.
P/E8.01
Price band 20% Delivery 30.4%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue190204176161163158153142132122119103
Interest10710392888378726558584438
Expenses1432641215-29-71-45-1129
Financing Profit70692061658272148119656356
Financing Margin %37%34%12%38%40%52%47%104%91%54%53%54%
Other Income1200000500100
Depreciation222222222222
Profit before tax80671959638175146118646254
Tax %25%25%28%25%25%17%23%7%25%24%26%26%
Net Profit6050144447675813788494640
EPS in Rs0.930.780.220.690.741.050.912.131.370.760.710.63
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,1871,3511,1851,3361,3641,139968797761638518476
Interest530645685944948752580432410323226198
Expenses12117564710824328920912714430-107-26
Financing Profit536531-14828417399179238207285399304
Financing Margin %45%39%-12%21%13%9%19%30%27%45%77%64%
Other Income-01005010160-21
Depreciation433366666777
Profit before tax531529-15028117293174232216279390298
Tax %26%35%-33%34%36%73%25%24%26%22%18%
Net Profit391345-10018411026130176161217319223
EPS in Rs6.965.38-1.562.871.710.402.022.742.503.384.973.47
Dividend Payout %17%28%-13%28%26%0%0%37%0%0%0%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth-8%-15%-13%-23%
Compounded Profit Growth-2%66%22%-27%
Stock Price CAGR-3%7%-1%-20%
Return on Equity7%8%9%11%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital562642642642642642642642642642642
Reserves1,1801,7771,2971,4241,4731,4771,6221,8001,8962,1122,437
Borrowing6,8458,12310,22910,9189,2759,1747,1215,1223,9262,8611,768
Other Liabilities235209147208252238131706167108
Total Liabilities8,82310,75212,31513,19311,64211,5329,5167,6346,5255,6834,956
Fixed Assets1815141222161230252316
CWIP00000000000
Investments235114639635637335091122268832
Other Assets8,57010,62312,23813,08511,26411,1429,1557,5136,3775,3914,109
Total Assets8,82310,75212,31513,19311,64211,5329,5167,6346,5255,6834,956
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-1,167-888-1,3022363,2281,3112,7211,8872,5631,1391,780
Cash from Investing Activity-0-5-13-0-386-162-154259-689776-1,165
Cash from Financing Activity1,1699041,338-257-2,652-883-2,719-2,459-1,669-1,383-1,316
Net Cash Flow21124-21191266-151-312205532-701
Free Cash Flow-1,167-894-1,3142363,2281,3112,7201,8872,5621,1351,780
CFO/OP-94%-59%-214%30%299%154%358%282%427%199%285%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %22%17%-5%9%5%1%6%7%6%8%11%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%
FIIs2.00%2.66%2.62%2.36%2.05%2.03%2.07%2.22%2.19%2.17%2.12%2.03%
DIIs2.21%2.31%2.68%2.86%5.00%5.48%5.42%5.08%5.06%5.06%5.05%5.06%
Public30.80%30.03%29.69%29.79%27.96%27.51%27.51%27.71%27.75%27.78%27.83%27.92%
No. of Shareholders1,25,8071,35,1171,48,8021,47,9741,44,8361,43,1501,41,2011,41,3961,37,7741,38,2731,34,4751,31,972

Fundamentals

Market Cap₹ 1,802 Cr.
Current Price₹ 28.0
Stock P/E8.01
Book Value₹ 48.0
ROCE11.8 %
ROE11.0 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-23%
Compounded Profit Growth (TTM)-27%
Consolidated figures.
Valuation
Market capRs 1,850 Cr
Enterprise valueRs 2,577 Cr
P/E (TTM)8.30x
Price to book0.60x
Price to sales3.89x
EV / EBITDA5.13x
EV / EBIT5.20x
EV / sales5.41x
Price to cash flow1.04x
Earnings yield12.05%
P/E, 3-year average10.02x
P/B, 3-year average0.75x
P/E, 5-year average8.48x
P/B, 5-year average0.60x
Profitability
Operating margin (excl. other income)120.72%
Operating margin (incl. other income)120.32%
EBITDA margin105.59%
Pre-tax margin62.53%
Net profit margin46.85%
Net margin, latest quarter38.95%
ROE10.95%
ROCE11.77%
ROA6.00%
ROE, 3-year average8.53%
ROCE, 3-year average10.22%
ROA, 3-year average3.94%
ROE, 5-year average7.80%
ROCE, 5-year average9.16%
ROA, 5-year average3.02%
ROIC (approx.)10.66%
Tax rate18.05%
Other income / net worth-0.07%
Growth
Sales growth (latest year)-18.82%
Profit growth (latest year)47.14%
Sales CAGR, 3 years-13.39%
Sales CAGR, 5 years-14.59%
Profit CAGR, 3 years22.01%
Profit CAGR, 5 years65.66%
Sales growth QoQ-13.24%
Profit growth QoQ-11.56%
Sales growth YoY (latest quarter)-27.20%
Profit growth YoY (latest quarter)-70.55%
Per share
EPS (TTM)Rs 3.47
EPS (latest year)Rs 4.97
EPS (latest quarter)Rs 0.63
EPS, 3-year averageRs 3.62
EPS, 5-year averageRs 3.12
Book value per shareRs 47.95
Sales per shareRs 7.41
Cash flow per shareRs 27.72
Free cash flow per shareRs 27.71
Dividend per share, 5-year averageRs 1.00
Dividends
Dividend payout, 5-year average36.53%
Efficiency
Asset turnover0.10x
Fixed asset turnover33.07x
Debtor days1 days
Debtors turnover631.59x
Leverage
Total debtRs 1,768 Cr
Cash and bankRs 1,042 Cr
Net debtRs 726 Cr
Debt to equity0.57x
Net debt / EBITDA1.45x
Interest coverage2.51x
Owners' fund to total sources62.14%
Debt to assets35.67%
Cash flow
Cash from Operating Activity (latest year)Rs 1,780 Cr
Cash from Investing Activity (latest year)Rs -1,165 Cr
Cash from Financing Activity (latest year)Rs -1,316 Cr
Net Cash Flow (latest year)Rs -701 Cr
Free cash flow (latest year)Rs 1,780 Cr
FCFE (approx.: FCF + change in debt)Rs 687 Cr
Cash from ops / profit, 5 years10.06x
Sales to cash flow0.29x
Statement figures
Net sales (TTM)Rs 476 Cr
Net sales (latest year)Rs 518 Cr
Sales (latest quarter)Rs 103 Cr
Operating profit excl. other income (latest year)Rs 625 Cr
Operating profit (latest quarter)Rs 94 Cr
Other income (TTM)Rs -2 Cr
EBITDA (TTM)Rs 503 Cr
PBDT (TTM)Rs 305 Cr
Profit before tax (TTM)Rs 298 Cr
Tax (latest year)Rs 70 Cr
Net profit (TTM)Rs 223 Cr
Net profit (latest year)Rs 319 Cr
Net profit (latest quarter)Rs 40 Cr
Depreciation (TTM)Rs 7 Cr
Depreciation (latest quarter)Rs 2 Cr
Interest (TTM)Rs 198 Cr
Cost of goods sold (latest year)Rs 4 Cr
Total expenditure (latest year)Rs -107 Cr
Total income (latest year)Rs 516 Cr
Share capitalRs 642 Cr
ReservesRs 2,437 Cr
Shareholders' fundsRs 3,080 Cr
Total assetsRs 4,956 Cr
Net blockRs 16 Cr
Capital work in progressRs 0 Cr
InvestmentsRs 832 Cr
ReceivablesRs 1 Cr
Other liabilitiesRs 108 Cr
Shares outstanding (crore)64.23
Ownership
Promoter holding64.99% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 8.3 is at the 50th percentile of its own 8.4-year range (median 8.3, low 2.8, high 51.3).
P/B 0.60 is at the 52th percentile (median 0.58).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodPFSNifty 50Difference
1 week+7.0%-2.8% +9.8 pts
1 month+6.9%-6.8% +13.7 pts
3 months-7.9%-7.6% -0.2 pts
6 months+20.0%+0.4% +19.6 pts
1 year-21.0%-9.9% -11.1 pts
2 years-43.7%-13.6% -30.1 pts
3 years-1.5%+14.2% -15.7 pts
5 years+45.5%+27.9% +17.6 pts
3 mutual fund schemes hold about ₹63 Cr. Over three months 0 bought more and 1 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Bandhan Infrastructure Fund2.34%34 +1%
Bandhan Large & Mid Cap Fund0.08%17 -17%
Bandhan Business Cycle Fund1.15%13 +2%

Red flags

F-score 7 of 8
No red flags in the latest statements and filings.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹103 Cr -27.5% vs Jun 2025. Net profit ₹40 Cr -70.8%.
Against our estimate for Jun 2026: sales -6.4%, profit -32.0% miss. Our estimate for Sep 2026: sales Rs 99 Cr, profit Rs 39 Cr (how).

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2023-09-05Dividend - Re 1 Per Share
2020-09-14 Annual General Meeting/Dividend - Rs 0.45 Per Share
2019-09-20 Annual General Meeting/Dividend - Rs 0.8 Per Share
2018-08-29 Annual General Meeting/Dividend Re 0.20 Per Share
2017-09-13 Annual General Meeting/Dividend - Rs 1.50 Per Share
2016-09-14 Annual General Meeting/Dividend - Rs 1.20 Per Share
2015-09-16 Annual General Meeting / Dividend Re 1/- Per Share
2014-09-18Annual General Meeting / Dividend - Re 1/- Per Share
2013-08-07Annual General Meeting / Dividend - Re 0.40/- Per Share
2012-09-06Annual General Meeting
2011-09-15Annual General Meeting
DateTypeWhat it says
2026-09-25Shareholder meetingVoting results.
2026-09-24Shareholder meetingShareholders meeting
2026-08-24Shareholder meetingNotice of Annual General Meeting to be held on September 24, 2026
2026-08-20UpdatesIntimation 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. ...
2026-08-03Concall / analyst meetTranscript
2026-07-29Concall / analyst meetLink of Recording
2026-07-28General UpdatesInvestors Presentation on the Financial Results for the quarter ended June 30, 2026
2026-07-28Press ReleaseA press release dated July 28, 2026, titled "Press Release- Financial Performance for the quarter ended June 30, 2026".
2026-07-28Board meeting outcomePTC India Financial Services Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-21Concall / analyst meetSchedule of meet
2026-07-01UpdatesChange of Directors Reference our communications dated 30th March 2026 and 4th June 2026.
2026-06-22Change in ManagementChange in Management i.e. extension of tenure of Shri Devesh Singh as Chief Risk Officer for a further term of two years with effect from 26th June 20...
2026-06-09Disclosure under SEBI TakeovPTC India  Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantia...
2026-06-05Shareholder meetingNotice of Postal Ballot for appointment of Shri Rajiv Malhotra (DIN: 02383396) as Director and MD&CEO (Addl. Charge)
2026-06-04Director changeChange in Director(s) of the company.
2026-06-04Board meeting outcomeOutcome of Board Meeting held on Jun 04, 2026.
2026-05-27UpdatesApproval of the Board for conduct of Postal Ballot seeking approval of shareholders.
2026-05-08Concall / analyst meetTranscript
2026-05-05Concall / analyst meetLink of Recording
2026-05-05Investor PresentationInvestor Presentation
2026-05-05Press ReleaseA press release dated May 05, 2026, titled "Press Release for the financial performance for the quarter and year ended 31st March 2026".
2026-05-05Board meeting outcomePTC India Financial Services Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
2026-04-29Concall / analyst meetSchedule of meet
2026-04-09Disclosure under SEBI TakeovPTC India Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial...
2026-04-08AppointmentAppointment of Mr Rajiv Malhotra as Non- Executive Nominee Director of the company w.e.f. April 08, 2026.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-08NCLTPTC India Financial Services Ltd Vs Mahendra Kumar Agarwal Vs
2021-03-30NCLTPTC India Financial Services Ltd Vs Mahendra Kumar Agarwal Vs
2021-03-08NCLTPTC India Financial Services Ltd Vs Mahendra Kumar Agarwal Vs
2020-10-29NCLTPTC India Financial Services Ltd Vs Mahendra Kumar Agarwal Vs
2020-10-09NCLTPTC India Financial Services Ltd Vs Mahendra Kumar Agarwal Vs
2019-06-20NCLATPTC India Financial Services Ltd VS Mr. Venkateswarlu Kari & Ors.
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of PTC India Financial Services Ltd?

PTC India Financial Services Ltd (PFS) has a market capitalisation of Rs 1,802 Cr. at the 2026-10-01 close.

What is the P/E ratio of PTC India Financial Services Ltd?

PTC India Financial Services Ltd trades at a P/E of 8.01 on trailing twelve-month profit, at the 2026-10-01 close.

What were PTC India Financial Services Ltd's latest quarterly results?

In the Jun 2026 quarter, PTC India Financial Services Ltd revenue was Rs 103 Cr (-27.5% vs Jun 2025) and net profit was Rs 40 Cr.

What is the 52-week high and low of PTC India Financial Services Ltd?

The 52-week high is Rs 40.50 and the 52-week low is Rs 23.85.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03