PTC India Financial Services Ltd

PFS

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Market Cap

₹ 2,166 Cr

P/E

6.19

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

PTC India Financial Services Limited is a non-banking financial institution focusing on infrastructure financing, primarily in the energy sector.

The company experienced strong business performance in Q2 FY26, with loan sanctions reaching ₹1,048 crore, marking the highest level in the last 10 quarters, reflecting momentum and growth.

PFS achieved a remarkable improvement in asset quality, reducing Gross Stage III assets by 75% within a year, indicating strong risk management and credit appraisal practices.

The firm has diversified into SME lending and expanded its private sector engagements, highlighting a strategic shift towards a more granular and diversified portfolio.

The leadership emphasized a commitment to innovation, customer-centric solutions, and sustainability, aiming to align business growth with environmental responsibility and long-term value creation.

Sector

Finance

Industry

NBFC-Others

Market Cap

2,166 Cr

Volatility

High Risk

P/E Ratio

6.2

Industry P/E

34.5

PEG Ratio

0.3

P/B Ratio

0.7

52W High

45.84

52W Low

27.20

Sales CAGR

-16.18%

-12.73%

-14.23%

10Y

-6.74%

Profit CAGR

35.02%

18.64%

14.56%

10Y

-6.33%

ROE

TTM

11.75%

7.16%

5.85%

10Y

7.32%

ROCE

TTM

13.19%

9.62%

8.71%

10Y

9.55%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UGROCAP	172.95	2,666 Cr	17.14	0.78	0.00	6.31	9.39	1.44
ELCIDIN	127613.00	2,553 Cr	33.61	0.27	0.02	0.82	1.16	0.70
SGFIN	400.80	2,244 Cr	22.35	2.09	0.00	9.37	7.21	3.36
SUMMITSEC	1989.05	2,168 Cr	21.39	0.19	0.00	0.91	1.20	0.79
PFS	33.72	2,166 Cr	6.19	0.73	0.00	11.75	13.19	6.54
MUFIN	112.80	1,968 Cr	105.19	6.19	0.00	5.88	10.39	1.45
ARMANFIN	1485.60	1,569 Cr	—	1.80	0.00	-0.12	10.77	-0.05

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	190	190	204	176	161	163	158	151	142	132
Expenses	34	14	32	64	12	15	-2.28	6.65	-71	-45
Interest	108	107	103	92	88	83	78	72	65	58
Financing Profit	47	70	69	20	61	65	82	72	148	119
Financing Margin %	24.92	36.79	33.90	11.57	37.78	39.76	52.03	48.00	104.16	90.63
Other Income	3.48	12	0.00	0.45	0.01	0.01	0.05	4.56	0.33	0.02
Depreciation	1.53	1.56	1.78	1.61	1.58	1.57	1.62	1.79	1.83	1.88
Profit Before Tax	49	80	67	19	59	63	81	75	146	118
Tax %	25.35	25.28	25.36	28.13	25.18	25.34	16.76	22.56	6.62	25.07
Net Profit	37	60	50	14	44	47	67	58	137	88
EPS in Rs	0.57	0.93	0.78	0.22	0.69	0.74	1.05	0.91	2.13	1.37
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1,351	1,185	1,334	1,364	1,131	953	791	761	633	614
Expenses	175	647	108	243	289	209	127	144	32	-52
Interest	645	685	944	948	752	580	432	410	321	298
Financing Profit	531	-148	282	173	90	164	232	207	280	367
Financing Margin %	39.31	-12.48	21.11	12.68	8.00	17.22	29.37	27.19	44.28	59.82
Other Income	1.09	0.61	2.10	5.46	8.88	16	6.20	16	4.63	4.95
Depreciation	3.38	3.26	2.73	6.34	5.95	6.07	6.08	6.48	6.56	6.81
Profit Before Tax	529	-150	281	172	93	174	232	216	279	365
Tax %	34.68	33.37	34.47	36.06	72.59	25.26	24.34	25.57	22.07	15.38
Net Profit	345	-100	184	110	26	130	176	161	217	309
EPS in Rs	—	—	2.87	1.71	0.39	2.03	2.74	2.50	3.39	5.46
Dividend Payout %	25.60	-12.82	27.87	26.32	0.00	0.00	36.50	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	562	642	642	642	642	642	642	642	642	642
Reserves	1,180	1,777	1,297	1,424	1,473	1,477	1,622	1,800	1,896	2,112
Borrowings	6,251	7,571	10,229	10,918	9,275	9,166	7,118	5,098	3,905	2,845
Other Liabilities	829	762	147	208	252	247	135	93	81	83
Total Liabilities	8,823	10,752	12,315	13,193	11,642	11,532	9,516	7,634	6,525	5,683
Fixed Assets	18	15	14	12	22	16	12	30	25	23
CWIP	0.00	0.06	0.06	0.00	0.00	0.00	0.00	0.15	0.20	0.11
Investments	0.00	0.00	63	96	356	373	350	91	122	268
Other Assets	8,805	10,737	12,238	13,085	11,264	11,142	9,155	7,513	6,377	5,391
Total Assets	8,823	10,752	12,315	13,193	11,642	11,532	9,516	7,634	6,525	5,683

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1,167	-888	-1,302	236	3,228	1,311	2,721	1,887	2,563	1,139
Cash from Investing Activity	-0.46	-5.32	-13	-0.25	-386	-162	-154	259	-689	776
Cash from Financing Activity	1,169	904	1,338	-257	-2,652	-883	-2,719	-2,459	-1,669	-1,383
Net Cash Flow	2.20	11	24	-21	191	266	-151	-312	205	532

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%
FIIs	0.87%	0.84%	0.93%	2.01%	2.66%	2.62%	2.35%	2.05%	2.03%	2.08%	2.22%	2.19%
DIIs	3.81%	3.26%	2.27%	2.21%	2.31%	2.68%	2.86%	5.00%	5.48%	5.43%	5.08%	5.06%
Public	30.33%	30.90%	31.81%	30.79%	30.03%	29.70%	29.79%	27.96%	27.50%	27.50%	27.71%	27.76%
Total Shareholders	1,14,755	1,14,102	1,15,565	1,25,807	1,35,117	1,48,802	1,47,974	1,44,836	1,43,150	1,41,201	1,41,396	1,37,774

Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

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Overview

Detailed Summary

PTC India Financial Services Limited is a non-banking financial institution focusing on infrastructure financing, primarily in the energy sector.

The company experienced strong business performance in Q2 FY26, with loan sanctions reaching ₹1,048 crore, marking the highest level in the last 10 quarters, reflecting momentum and growth.

PFS achieved a remarkable improvement in asset quality, reducing Gross Stage III assets by 75% within a year, indicating strong risk management and credit appraisal practices.

The firm has diversified into SME lending and expanded its private sector engagements, highlighting a strategic shift towards a more granular and diversified portfolio.

The leadership emphasized a commitment to innovation, customer-centric solutions, and sustainability, aiming to align business growth with environmental responsibility and long-term value creation.

Sector

Finance

Industry

NBFC-Others

Market Cap

2,166 Cr

Volatility

High Risk

P/E Ratio

6.2

Industry P/E

34.5

PEG Ratio

0.3

P/B Ratio

0.7

52W High

45.84

52W Low

27.20

Sales CAGR

-16.18%

-12.73%

-14.23%

10Y

-6.74%

Profit CAGR

35.02%

18.64%

14.56%

10Y

-6.33%

ROE

TTM

11.75%

7.16%

5.85%

10Y

7.32%

ROCE

TTM

13.19%

9.62%

8.71%

10Y

9.55%