PTC India Financial Services Limited (PFS) AI Stock Analysis

• Market Cap: ₹23.94B
• Dividend Yield: 3.2%
• Average Volume (3M): 37.45K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 1.76
• Revenue Growth: -17.16%
• EPS Growth: 83.67%
• Country: IN
• Employees: 46
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): 2.13
• Shares Outstanding: 642,283,300
• 10 Day Avg. Volume: 35,275
• 30 Day Avg. Volume: 37,452
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹42.00
• Price Target Upside: 12.69% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: ₹42.00 ▲(12.69% Upside)

The overall stock score is primarily influenced by stable financial performance and an attractive valuation. However, technical indicators suggest potential bearish momentum, which slightly offsets the positive aspects. Addressing revenue growth and leverage issues will be crucial for future performance.

Positive Factors

Operational Efficiency

Strong operational efficiency and cash flow management indicate the company's ability to maintain profitability and manage expenses effectively, which is crucial for long-term sustainability.

Leverage Management

Improved leverage management enhances financial stability and reduces risk, allowing the company to better withstand economic fluctuations and invest in growth opportunities.

Cash Generation

Strong cash generation supports the company's ability to fund operations, invest in growth, and manage debt, providing a solid foundation for future expansion.

Negative Factors

Revenue Growth Challenges

Negative revenue growth indicates potential challenges in market demand or competitive positioning, which could impact long-term profitability and market share.

High Leverage

High leverage can limit financial flexibility and increase risk, potentially affecting the company's ability to invest in growth and respond to market changes.

Inconsistent Cash Flow Growth

Inconsistent cash flow growth can hinder the company's ability to plan for long-term investments and manage financial obligations, impacting strategic initiatives.

PTC India Financial Services Limited Business Overview & Revenue Model

Company Description

PTC India Financial Services Limited (PFS) is a leading financial services company in India, primarily focused on providing funding solutions for the energy, infrastructure, and related sectors. As a subsidiary of PTC India Limited, PFS specializes in project financing, term loans, and advisory services, catering to a diverse range of clientele including public and private sector enterprises. The company plays a pivotal role in supporting the growth of infrastructure projects in the country, with an emphasis on renewable energy, power generation, and transmission.

How the Company Makes Money

PFS generates revenue primarily through interest income on the loans it provides to its clients. This includes project financing and term loans, which typically come with interest rates that reflect the risk and duration of the funding. Additionally, the company earns fees from advisory services related to project finance and capital structuring. PFS may also generate income from investment activities, including equity investments in infrastructure projects or financial instruments. Strategic partnerships with governmental and non-governmental organizations further enhance its ability to secure funding and diversify its revenue streams, contributing significantly to its overall earnings.

PTC India Financial Services Limited Financial Statement Overview

Summary

PTC India Financial Services Limited exhibits stable financial performance with strong operational efficiency and cash flow management. However, challenges in revenue growth and high leverage need to be addressed for long-term financial health.

Income Statement

PTC India Financial Services Limited has shown a mixed performance in its income statement. The company has a strong EBIT and EBITDA margin, indicating efficient operations. However, the revenue growth rate has been negative in recent years, which is a concern. The net profit margin is healthy, but the declining revenue trend needs to be addressed to sustain profitability.

Balance Sheet

The balance sheet reveals a moderate financial position. The debt-to-equity ratio has improved over the years, indicating better leverage management, but it remains relatively high. Return on equity is modest, reflecting average profitability. The equity ratio suggests a balanced asset structure, but the company should focus on reducing debt levels further to enhance financial stability.

Cash Flow

Cash flow analysis shows a strong free cash flow to net income ratio, indicating good cash generation relative to earnings. The operating cash flow to net income ratio is also favorable. However, the free cash flow growth rate has been inconsistent, with significant fluctuations over the years. Overall, the company demonstrates solid cash flow management, but consistency in growth is needed.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	5.66B	6.33B	7.49B	3.48B	9.28B	11.12B
Gross Profit	3.06B	3.23B	2.98B	3.43B	3.34B	3.55B
EBITDA	2.91B	6.00B	3.22B	2.07B	7.58B	8.54B
Net Income	2.17B	2.17B	1.76B	1.61B	1.30B	256.03M
Balance Sheet
Total Assets	56.83B	56.83B	76.34B	65.25B	95.16B	115.32B
Cash, Cash Equivalents and Short-Term Investments	12.97B	12.97B	5.90B	15.05B	11.76B	8.59B
Total Debt	28.45B	28.45B	51.22B	39.26B	71.21B	91.74B
Total Liabilities	29.28B	29.28B	51.92B	39.86B	72.52B	94.13B
Stockholders Equity	27.54B	27.54B	24.43B	25.39B	22.64B	21.20B
Cash Flow
Free Cash Flow	0.00	11.36B	18.87B	25.62B	27.20B	13.11B
Operating Cash Flow	0.00	11.39B	18.87B	25.63B	27.21B	13.11B
Investing Cash Flow	0.00	7.76B	2.59B	-6.89B	-1.54B	-1.62B
Financing Cash Flow	0.00	-13.83B	-24.59B	-16.69B	-27.19B	-8.83B

PTC India Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 37.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFS, the sentiment is Negative. The current price of 37.27 is below the 20-day moving average (MA) of 38.43, below the 50-day MA of 39.69, and below the 200-day MA of 37.67, indicating a neutral trend. The MACD of -0.62 indicates Positive momentum. The RSI at 42.53 is Neutral, neither overbought nor oversold. The STOCH value of 33.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:PFS.

PTC India Financial Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TFCILTD	73 Outperform	₹33.73B	30.95		0.82%	7.91%	16.21%
Sector *	68 Neutral	$18.02B	11.58	9.93%	3.75%	9.73%	1.23%
PFS	64 Neutral	₹23.94B	7.74		3.20%	-17.16%	83.67%
PAISALO	60 Neutral	₹34.27B	16.61		0.26%	13.28%	-6.07%
SPANDANA	52 Neutral	₹23.08B	26.37		―	-26.77%	-431.45%
UGROCAP	51 Neutral	₹20.31B	11.25		―	34.09%	17.49%
ESAFSFB	41 Neutral	₹15.10B	66.17		2.39%	-4.34%	-285.53%