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Prices as of 9 Oct 2026 close · Not investment advice

PTC India Financial Services Limited

NSE: PFSNon Banking Financial Company (NBFC)

Share price

₹26.60

+0.80% close of 9 Oct 2026

Market cap ₹1,708 CrP/E 7.6

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 8 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

57

out of 100 · worked out 9 Oct 2026

How the business score works

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹1,708 Cr

P/E ratio

7.6

P/B ratio

0.6

ROCE

11.8%

ROE

11.0%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹39.4652-week low ₹24.01

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales fell 22.8% over the past year. Meanwhile what it keeps on lending improved from 30.3% to 63% over the last two years.

Whether it grew faster than its sector

It grew 6.3% a year against a sector median of 16.0% — 9.7 percentage points slower.

Room to re-rate, or risk of de-rating

At 7.6× earnings against a market that pays 24.1× across 2199 companies we can price. Its own industry sits at 23.5×, across 5 companies. It is against its own five-year median of 10.9×, the 34th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.3 times its growth rate, on earnings growth of 22%.

Profit growthPrice per ₹1 profitPer 1% growth
PTC India Financial Services Limited — this one22%/yr7.6×₹0.34
Cholamandalam Investment & Finance25%/yr23.5×₹0.94
Tata Capital Limited17%/yr24.7×₹1.5
Muthoot Finance43%/yr9.3×₹0.22
L&T Finance Limited256%/yr20.4×—
SBI Cards & Payment Services-1%/yr23.5×—

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 28 of 73 on returns, 60 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 11.0% on capital, ahead of 62% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

How the profit check works

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 28 Jul 2026 · Consolidated

Revenue

₹103 Cr

Net profit

₹40 Cr

Profit vs last year

-70.6%

Profit vs last quarter

-12.5%

Net margin

39.0%

EPS

₹0.63

Earnings call transcript · 29 Jul 2026

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹1,708 Cr
Prev close
₹26.60
52w High
₹40.5
52w Low
₹23.9
Enterprise value
—
Beta
1.3
Price CAGR 1y
-22.0%
Price CAGR 3y
0.0%
Price CAGR 5y
6.0%
Price CAGR 10y
-3.0%

Ratios

Return on assets
6.4%
PEG ratio
0.3
P/E ratio
7.6
P/B ratio
0.6
EV / EBITDA
—
Industry P/E
16.7
ROCE
11.8%
ROCE 5y average
—
ROE
11.0%
Debt / Equity
0.6
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
9.0%
ROE last year
11.0%

Annual P&L

Annual revenue
₹518 Cr
Annual profit
₹319 Cr
Operating margin
77.0%
Net profit margin
61.6%
EBITDA margin
77.0%
Sales growth 3y
-13.4%
Sales growth 5y
-14.6%
Profit growth 3y
22.0%
Profit growth 5y
66.0%
EPS
₹5.0
Sales growth TTM
-23.0%
Profit growth TTM
-27.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹103 Cr
Profit latest quarter
₹40 Cr
YoY quarterly sales growth
-27.2%
YoY quarterly profit growth
-70.8%
OPM latest quarter
54.0%

Balance Sheet

Book Value
₹48.0
Face Value
₹10.0
Total debt
₹1,768 Cr
Total cash
₹1,042 Cr
Borrowings
₹1,768 Cr
Reserves / Equity
3.8

Cash Flow

Operating cash flow
₹1,780 Cr
Free cash flow
₹1,780 Cr
FCF yield
—
Net cash flow
-₹701 Cr

Shareholding

Promoter holding
65.0%
FII holding
2.0%
DII holding
5.1%
Public holding
27.9%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance957.8529.15,96,3530.566,080.627.423,165.518.610.9
Shriram Finance933.3019.42,19,6101.143,452.859.913,400.416.211.5
Tata Capital318.5524.81,35,2200.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,558.8023.21,33,1780.131,656.245.68,856.321.99.7
Muthoot Finance2,589.209.11,03,9481.122,824.838.88,671.634.415.8
L&T Finance Ltd260.4520.365,2791.08916.028.75,212.922.48.4
SBI Cards556.2023.352,9300.45664.419.55,040.63.410.1
PTC India Fin26.647.61,7110.0040.2-70.5103.3-27.211.8
Median144.4519.44710.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue190190204176161163158153142132122119103
Expenses341432641215-29-71-45-1129
Financing Profit4770692061658272148119656356
Financing Margin %253734123840524710491545354
Other Income31200000500100
Interest10810710392888378726558584438
Depreciation2222222222222
Profit before tax4980671959638175146118646254
Tax %2525252825251723725242626
Net Profit376050144447675813788494640
EPS in Rs0.570.930.780.220.690.741.050.912.131.370.760.710.63

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,1871,3511,1851,3361,3641,139968797761638518476
Expenses12117564710824328920912714430-107-26
Financing Profit536531-14828417399179238207285399304
Financing Margin %4539-1221139193027457764
Other Income-01005010160-21
Interest530645685944948752580432410323224198
Depreciation4333666666.567.437
Profit before tax531529-15028117293174232216279390298
Tax %2635-333436732524262218
Net Profit391345-10018411026130176161217319223
EPS in Rs6.965.38-1.562.871.710.402.022.742.503.384.973.47
Dividend Payout %1728-1328260037000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
-8%
5 years
-15%
3 years
-13%
TTM
-23%

Compounded profit growth

10 years
-2%
5 years
66%
3 years
22%
TTM
-27%

Stock price CAGR

10 years
-3%
5 years
6%
3 years
0%
1 year
-22%

Return on equity

10 years
7%
5 years
8%
3 years
9%
Last year
11%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 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

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 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

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2217-5951676811

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters656565656565656565656565
FIIs22.662.622.362.052.032.072.222.192.172.122.03
DIIs2.212.312.682.8655.485.425.085.065.065.055.06
Public313030302828282828282828
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

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -24.0% (₹35.01 → ₹26.60)Brick size ₹1.18 (fixed)Bricks 27
₹25.00₹30.00₹35.00₹26.60Nov '25Jan '26Mar '26Jul '26
Price moved up one brickPrice moved down one brickLast close ₹26.60 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

68.91

cost-to-income %

19.89

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

5.77

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.99

net interest margin %

4.46pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

75.00pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

10,08,96,078inr

2026-03-31

return on assets %

3.31

News

News and filings about PTC India Financial Services Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE560K01014

News impact

Big market events that reach PTC India Financial Services Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

5 Sep 2023unspecified₹1
14 Sep 2020unspecified₹0.45
20 Sep 2019unspecified₹0.8
29 Aug 2018unspecified₹0.2
13 Sep 2017unspecified₹1.5
14 Sep 2016unspecified₹1.2
16 Sep 2015unspecified₹1
18 Sep 2014unspecified₹1

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.