PTC India Financial Services Limited (PFS) AI Stock Analysis

• Market Cap: ₹22.51B
• Dividend Yield: 3.2%
• Average Volume (3M): 42.35K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 1.90
• Revenue Growth: -17.16%
• EPS Growth: 83.67%
• Country: IN
• Employees: 46
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 2.13
• Shares Outstanding: 642,283,300
• 10 Day Avg. Volume: 31,386
• 30 Day Avg. Volume: 42,352
• PEG Ratio: 0.27
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 3.29
• P/FCF Ratio: 1.83
• 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: ₹41.00
• Price Target Upside: 16.98% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: ₹41.00 ▲(16.98% Upside)

The overall stock score reflects a stable financial performance and attractive valuation, offset by weak technical indicators. The company's operational efficiency and cash flow management are strengths, but challenges in revenue growth and high leverage remain concerns. The stock's undervaluation presents potential opportunities, though technical indicators suggest caution.

PTC India Financial Services Limited Business Overview & Revenue Model

Company Description

PTC India Financial Services Limited, a non-banking finance company, provides various financing solutions. It offers fund based/non-fund based financial assistance in the form of debt or structured debt instruments, such as term debt or project debt, corporate debt, bridge debt, and bills discounting, as well as letters of comfort, credit enhancement schemes, and deferred payment guarantees. The company also acts as underwriter, lead FI, syndicator, security and facility agent, project appraiser, and DPR consultant/preparer. In addition, it invests in green-field and brown-field projects. The company was incorporated in 2006 and is based in New Delhi, India. PTC India Financial Services Limited is a subsidiary of PTC India Limited.

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 a 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 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	5.44B	6.33B	3.48B	7.91B	9.51B	11.23B
Gross Profit	3.05B	3.12B	3.43B	2.77B	2.08B	1.51B
EBITDA	3.73B	6.00B	2.07B	6.74B	7.58B	8.54B
Net Income	3.09B	2.17B	1.61B	1.76B	1.30B	256.03M
Balance Sheet
Total Assets	0.00	56.83B	65.25B	76.34B	95.16B	115.32B
Cash, Cash Equivalents and Short-Term Investments	0.00	12.97B	15.05B	5.90B	11.76B	8.59B
Total Debt	0.00	28.61B	39.26B	51.22B	71.21B	91.74B
Total Liabilities	-27.54B	29.28B	39.86B	51.92B	72.52B	94.13B
Stockholders Equity	27.54B	27.54B	25.39B	24.43B	22.64B	21.20B
Cash Flow
Free Cash Flow	0.00	11.36B	25.62B	18.87B	27.20B	13.11B
Operating Cash Flow	0.00	11.39B	25.63B	18.87B	27.21B	13.11B
Investing Cash Flow	0.00	7.76B	-6.89B	2.59B	-1.54B	-1.62B
Financing Cash Flow	0.00	-13.83B	-16.69B	-24.59B	-27.19B	-8.83B

PTC India Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 35.05
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 35.05 is below the 20-day moving average (MA) of 36.52, below the 50-day MA of 37.98, and below the 200-day MA of 37.07, indicating a bearish trend. The MACD of -0.91 indicates Positive momentum. The RSI at 32.62 is Neutral, neither overbought nor oversold. The STOCH value of 21.33 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	₹34.69B	31.83	―	0.80%	7.91%	16.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PFS	62 Neutral	₹22.51B	7.28	―	3.20%	-17.16%	83.67%
PAISALO	60 Neutral	₹34.15B	16.55	―	0.27%	13.28%	-6.07%
UGROCAP	56 Neutral	₹21.52B	11.57	―	―	34.09%	17.49%
ESAFSFB	45 Neutral	₹15.06B	66.17	―	2.40%	-4.34%	-285.53%
SPANDANA	44 Neutral	₹22.67B	26.37	―	―	-26.77%	-431.45%