Want to see IN:PFS full AI Analyst Report?
Top Page
PTC India Financial Services Limited
(PFS)
Select Model
Select Model
Rating:61Neutral
Price Target:
₹31.00
▲(6.06% Upside)
Action:Reiterated
Date:08/09/26
The score is primarily driven by improved profitability and significantly reduced leverage, but is held back by weak cash-flow performance and a multi-year revenue contraction. Technically, the stock shows a weak trend (below major moving averages with negative MACD), while the low P/E provides some valuation support.
Positive Factors
Leverage reduction
A materially lower debt-to-equity ratio meaningfully reduces financial risk and funding cost sensitivity. Sustained lower leverage improves capital flexibility for lending, enhances ability to withstand stress, and supports room for selective growth or higher loss-absorption capacity over the medium term.
Negative Factors
Multi-year revenue contraction
A sustained, multi-year top-line decline erodes scale and limits future fee and interest income potential. Shrinking revenue can compress operating leverage, reduce reinvestment capacity, and signal either run-off of the loan book or difficulty originating new business, making durable earnings growth harder to achieve.
Read all positive and negative factors
Positive Factors
Negative Factors
Leverage reduction
A materially lower debt-to-equity ratio meaningfully reduces financial risk and funding cost sensitivity. Sustained lower leverage improves capital flexibility for lending, enhances ability to withstand stress, and supports room for selective growth or higher loss-absorption capacity over the medium term.
Read all positive factors
PTC India Financial Services Limited (PFS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹17.77B
Dividend YieldN/A
Average Volume (3M)41.78K
Price to Earnings (P/E)8.0
Beta (1Y)1.55
Revenue Growth-22.40%
EPS Growth-27.87%
CountryIN
Employees46
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)5.46
Shares Outstanding642,283,300
10 Day Avg. Volume32,916
30 Day Avg. Volume41,777
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.50
Price to Sales (P/S)2.98
P/FCF Ratio7.01
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)N/A
Revenue Forecast (FY)N/A
PTC India Financial Services Limited Business Overview & Revenue Model
Company Description
Operating as a non-banking financial company, PTC India Financial Services Limited delivers a diverse array of funding solutions. The firm offers both fund-based and non-fund-based financial assistance through various debt and structured debt inst...
How the Company Makes Money
PFS primarily makes money through its lending and financing operations as an NBFC. Its key revenue streams typically include: (1) Interest income: The largest component is generally interest earned on loans and other credit exposures provided to c...
PTC India Financial Services Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Sep 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.02B | 5.18B | 5.54B | 7.04B | 7.49B | 9.28B |
| Gross Profit | 2.15B | 5.11B | 2.17B | 2.76B | 2.98B | 3.34B |
| EBITDA | 3.71B | 3.97B | 2.87B | 2.24B | 2.39B | 1.81B |
| Net Income | 3.50B | 3.19B | 2.17B | 1.61B | 1.76B | 1.30B |
Balance Sheet | ||||||
| Total Assets | 53.51B | 49.56B | 56.83B | 65.25B | 76.34B | 95.16B |
| Cash, Cash Equivalents and Short-Term Investments | 9.88B | 10.42B | 12.97B | 15.05B | 5.90B | 11.76B |
| Total Debt | 22.77B | 17.68B | 28.61B | 39.26B | 51.22B | 71.21B |
| Total Liabilities | 23.73B | 18.77B | 29.28B | 39.86B | 51.92B | 72.52B |
| Stockholders Equity | 29.78B | 30.80B | 27.54B | 25.39B | 24.43B | 22.64B |
Cash Flow | ||||||
| Free Cash Flow | 11.66B | 2.20B | 11.36B | 25.62B | 18.87B | 27.20B |
| Operating Cash Flow | 11.66B | 2.20B | 11.39B | 25.63B | 18.87B | 27.21B |
| Investing Cash Flow | -10.83B | 1.70B | 7.76B | -6.89B | 2.59B | -1.54B |
| Financing Cash Flow | -7.22B | -10.91B | -13.83B | -16.69B | -24.59B | -27.19B |
PTC India Financial Services Limited Technical Analysis
Negative
29.23
Price Trends
30.20
Negative
29.80
Negative
31.62
Negative
Market Momentum
-0.53
Negative
46.00
Neutral
63.71
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 29.23 is above the 20-day moving average (MA) of 29.19, below the 50-day MA of 30.20, and below the 200-day MA of 31.62, indicating a bearish trend. The MACD of -0.53 indicates Negative momentum. The RSI at 46.00 is Neutral, neither overbought nor oversold. The STOCH value of 63.71 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹982.98B | 6.14 | ― | 5.42% | 0.21% | -4.87% | |
66 Neutral | ₹1.40T | 5.41 | ― | 4.62% | 5.79% | 12.66% | |
63 Neutral | ₹779.89B | 24.49 | ― | 0.91% | 12.56% | 19.25% | |
61 Neutral | ₹17.77B | 7.99 | ― | ― | -22.40% | -27.87% | |
61 Neutral | ₹335.98B | 17.85 | ― | 0.50% | 22.85% | 6.16% | |
57 Neutral | ₹206.33B | 114.24 | ― | ― | 3.40% | 6.97% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:PFS
PTC India Financial Services Limited
28.98
-9.32
-24.33%
IN:IFCI
IFCI Limited
73.95
20.74
38.98%
IN:IREDA
Indian Renewable Energy Development Agency Ltd.
120.00
-24.95
-17.21%
IN:LTF
L&T Finance Ltd
310.90
115.17
58.84%
IN:PFC
Power Finance Corporation Limited
419.50
19.23
4.81%
IN:RECLTD
REC Limited
366.00
-1.56
-0.42%
PTC India Financial Services Limited Corporate Events
PTC India Financial Services Publishes Postal Ballot, E-Voting Notice
Jun 6, 2026
PTC India Financial Services Limited has announced that it has completed the dispatch of its postal ballot notice to shareholders, with details of remote e-voting and related instructions also publicized through newspaper advertisements in English...
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.