Power Finance Corporation Limited (IN:PFC)
:PFC
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Power Finance Corporation Limited
(PFC)
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Rating:65Neutral
Price Target:
₹434.00
▲(15.46% Upside)
Action:DowngradedDate:11/25/25
The overall stock score is driven by strong financial performance and attractive valuation, offset by bearish technical indicators. The company's high leverage and negative cash flow are significant risks, while the low P/E ratio and high dividend yield offer potential value.
Positive Factors
Revenue growth & improving margins
Five-year revenue growth to 404,500.2m and a net margin that widened to 56.8% in 2025 indicate durable loan origination and improved profitability from the core lending book. Sustained top-line growth and higher margins bolster internal earnings capacity and reinvestment over the medium term.
Negative Factors
Very high leverage
A debt-to-equity near 8.25 signals an elevated reliance on borrowed funds, reducing financial flexibility and magnifying downside from credit losses or funding stress. High leverage makes long-term capital management and resilience to macro shocks materially more challenging.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth & improving margins
Five-year revenue growth to 404,500.2m and a net margin that widened to 56.8% in 2025 indicate durable loan origination and improved profitability from the core lending book. Sustained top-line growth and higher margins bolster internal earnings capacity and reinvestment over the medium term.
Read all positive factors
Power Finance Corporation Limited (PFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.33T
Dividend Yield4.62%
Average Volume (3M)186.17K
Price to Earnings (P/E)4.7
Beta (1Y)1.44
Revenue Growth13.05%
EPS Growth16.78%
CountryIN
Employees545
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)14.43
Shares Outstanding3,300,101,800
10 Day Avg. Volume259,974
30 Day Avg. Volume186,168
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)1.13
Price to Sales (P/S)1.26
P/FCF Ratio-1.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)56.12
Revenue Forecast (FY)₹247.03B
Power Finance Corporation Limited Business Overview & Revenue Model
Company Description
Power Finance Corporation Limited, a non-banking finance company, provides financial products and related advisory, and other services to the power sector in India. The company offers fund based financial policies/products, including guidelines fo...
How the Company Makes Money
PFC primarily makes money through financial intermediation: it raises funds (from domestic and international borrowings and other funding sources) and deploys those funds as loans and financial assistance to power-sector borrowers, earning a sprea...
Power Finance Corporation Limited Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.11T | 1.06T | 915.34B | 745.34B | 749.46B | 714.78B |
| Gross Profit | 435.42B | 416.78B | 335.66B | 275.17B | 302.37B | 267.94B |
| EBITDA | 416.87B | 386.88B | 336.42B | 265.48B | 234.17B | 199.16B |
| Net Income | 247.55B | 229.91B | 197.61B | 158.89B | 140.15B | 117.48B |
Balance Sheet | ||||||
| Total Assets | 12.23T | 11.78T | 10.39T | 8.96T | 7.91T | 7.76T |
| Cash, Cash Equivalents and Short-Term Investments | 60.33B | 95.85B | 33.89B | 1.28B | 9.14B | 49.28B |
| Total Debt | 10.30T | 9.72T | 8.62T | 7.51T | 6.60T | 6.89T |
| Total Liabilities | 10.56T | 10.23T | 9.05T | 7.84T | 6.95T | 6.94T |
| Stockholders Equity | 1.27T | 1.18T | 1.01T | 841.58B | 716.76B | 607.67B |
Cash Flow | ||||||
| Free Cash Flow | -89.22B | -931.10B | -981.44B | -748.40B | 46.03B | -592.35B |
| Operating Cash Flow | -86.76B | -922.69B | -978.20B | -747.17B | 49.04B | -591.43B |
| Investing Cash Flow | -15.64B | -23.12B | -34.09B | -16.94B | -5.47B | 17.41B |
| Financing Cash Flow | 157.54B | 942.58B | 1.01T | 755.37B | -83.71B | 604.24B |
Power Finance Corporation Limited Technical Analysis
Neutral
375.90
Price Trends
394.78
Positive
375.16
Positive
385.17
Positive
Market Momentum
2.16
Positive
50.02
Neutral
28.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFC, the sentiment is Neutral. The current price of 375.9 is below the 20-day moving average (MA) of 406.95, below the 50-day MA of 394.78, and below the 200-day MA of 385.17, indicating a neutral trend. The MACD of 2.16 indicates Positive momentum. The RSI at 50.02 is Neutral, neither overbought nor oversold. The STOCH value of 28.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:PFC.
Power Finance Corporation Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹1.26T | 6.40 | ― | 2.40% | 12.10% | 12.93% | |
75 Outperform | ₹863.17B | 5.80 | ― | 5.56% | 18.51% | 16.04% | |
70 Outperform | ₹1.80T | 18.52 | ― | 1.08% | 21.24% | 22.61% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹1.33T | 4.66 | ― | 4.62% | 13.05% | 16.78% | |
53 Neutral | ₹1.24T | 22.58 | ― | 1.52% | -0.41% | 4.98% |
* Financial Sector Average
IN:PFC
Power Finance Corporation Limited
403.50
9.97
2.53%
IN:IRFC
Indian Railway Finance Corp. Ltd.
95.20
-30.78
-24.43%
IN:PNB
Punjab National Bank
110.00
19.77
21.91%
IN:RECLTD
REC Limited
327.80
-75.79
-18.78%
IN:SHRIRAMFIN
Shriram Finance Limited
955.20
290.11
43.62%
Power Finance Corporation Limited Corporate Events
Power Finance Corporation Updates on Board Meeting and Tax Compliance Process
Feb 5, 2026
Power Finance Corporation Limited has informed that its Board of Directors met on 5 February 2026 at 11:30 a.m. to consider and approve the company’s financial results along with other agenda items, and subsequently adjourned the meeting at ...
Power Finance Corporation Sets February 20, 2026 Record Date for Dividend and Tax Compliance
Feb 5, 2026
Power Finance Corporation Limited has set 20 February 2026 as the record date for determining shareholders eligible to receive its declared dividend, aligning the process with applicable provisions of the Income Tax Act, 1961. The company has aske...
Power Finance Corporation Launches Up to ₹5,000 Crore Secured NCD Public Issue
Jan 10, 2026
Power Finance Corporation Limited has approved a public issue of secured, rated, listed, redeemable non-convertible debentures (NCDs) with a base issue size of ₹500 crore and a green-shoe option to retain oversubscription up to ₹4,500 ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.