PTC India Financial Services Limited (PFS) AI Stock Analysis

• Market Cap: ₹18.72B
• Dividend Yield: N/A
• Average Volume (3M): 41.78K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.71
• Revenue Growth: -17.15%
• EPS Growth: 124.47%
• Country: IN
• Employees: 46
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.76
• Shares Outstanding: 642,283,300
• 10 Day Avg. Volume: 32,916
• 30 Day Avg. Volume: 41,777
• PEG Ratio: 0.27
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 3.75
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: ₹27.00 ▼(-17.13% Downside)
• Action: Reiterated Date: 04/02/26
• Date: Action: Reiterated 04/02/26

The score is driven primarily by mid-range financial performance (good margins and cash flow but pressured by declining revenue and leverage). Weak technicals—price below key moving averages with negative MACD—meaningfully reduce the score, while the P/E near 11 provides moderate valuation support.

Positive Factors

Operating Efficiency

Consistently healthy EBIT/EBITDA margins indicate the company runs lending operations efficiently. Over the medium term this supports resilient profitability even if top-line growth is uneven, enabling PFS to absorb credit costs and sustain underwriting and servicing investments.

Negative Factors

Declining Revenue

Material negative revenue growth reduces the scale of interest-earning assets and compresses the revenue base that funds margins. If the decline persists, it limits earnings leverage, hinders loan book expansion and makes margin preservation and overhead absorption harder over 2–6 months.

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 de...

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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 de...

How the Company Makes Money

PFS primarily makes money through financial intermediation: it raises funds (e.g., via bank borrowings, bonds/debt instruments, or other funding sources) and deploys this capital into interest-earning assets, mainly loans and other credit exposure...

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PFS primarily makes money through financial intermediation: it raises funds (e.g., via bank borrowings, bonds/debt instruments, or other funding sources) and deploys this capital into interest-earning assets, mainly loans and other credit exposure...

PTC India Financial Services Limited Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Sep 2022	Mar 2021
Income Statement
Total Revenue	5.02B	5.54B	7.04B	7.49B	9.28B	11.12B
Gross Profit	2.15B	2.17B	2.76B	2.98B	3.34B	3.55B
EBITDA	3.71B	2.87B	2.24B	2.39B	1.81B	1.07B
Net Income	3.50B	2.17B	1.61B	1.76B	1.30B	256.03M
Balance Sheet
Total Assets	53.51B	56.83B	65.25B	76.34B	95.16B	115.32B
Cash, Cash Equivalents and Short-Term Investments	9.88B	12.97B	15.05B	5.90B	11.76B	8.59B
Total Debt	22.77B	28.61B	39.26B	51.22B	71.21B	91.74B
Total Liabilities	23.73B	29.28B	39.86B	51.92B	72.52B	94.13B
Stockholders Equity	29.78B	27.54B	25.39B	24.43B	22.64B	21.20B
Cash Flow
Free Cash Flow	11.66B	11.36B	25.62B	18.87B	27.20B	13.11B
Operating Cash Flow	11.66B	11.39B	25.63B	18.87B	27.21B	13.11B
Investing Cash Flow	-10.83B	7.76B	-6.89B	2.59B	-1.54B	-1.62B
Financing Cash Flow	-7.22B	-13.83B	-16.69B	-24.59B	-27.19B	-8.83B

PTC India Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 32.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFS, the sentiment is Neutral. The current price of 32.58 is above the 20-day moving average (MA) of 27.22, above the 50-day MA of 30.03, and below the 200-day MA of 35.13, indicating a neutral trend. The MACD of -0.49 indicates Negative momentum. The RSI at 55.69 is Neutral, neither overbought nor oversold. The STOCH value of 93.70 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFCILTD	66 Neutral	₹31.39B	23.71	―	0.92%	5.73%	12.29%
PAISALO	65 Neutral	₹35.74B	12.44	―	0.29%	11.75%	-6.52%
PFS	56 Neutral	₹18.72B	11.02	―	―	-17.15%	124.47%
ESAFSFB	44 Neutral	₹12.00B	48.24	―	2.64%	-8.71%	-2192.08%
SPANDANA	44 Neutral	₹19.16B	-5.67	―	―	-45.13%	-1646.01%
UGROCAP	43 Neutral	₹13.50B	13.46	―	―	33.99%	11.65%

PTC India Financial Services Limited Corporate Events