PTC India Financial Services Limited (IN:PFS)
:PFS
Want to see IN:PFS full AI Analyst Report?
Top Page
PTC India Financial Services Limited
(PFS)
Select Model
Select Model
Rating:56Neutral
Price Target:
₹32.00
▼(-1.78% Downside)
Action:ReiteratedDate: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 strong EBIT and EBITDA margins provide durable operating leverage and resilience. Higher margins help absorb credit costs or funding pressure, support internal capital generation, and give a buffer for profitability if loan yields compress or revenue growth stalls over several quarters.
Negative Factors
Declining Revenue
Material negative revenue growth reduces scale and is structurally concerning for an NBFC focused on project lending. Shrinking originations or repayments weaken net interest income, limit leverage of fixed operating costs, and hamper capacity to expand the loan book over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Operating Efficiency
Consistently strong EBIT and EBITDA margins provide durable operating leverage and resilience. Higher margins help absorb credit costs or funding pressure, support internal capital generation, and give a buffer for profitability if loan yields compress or revenue growth stalls over several quarters.
Read all positive factors
PTC India Financial Services Limited (PFS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹20.06B
Dividend YieldN/A
Average Volume (3M)41.78K
Price to Earnings (P/E)11.0
Beta (1Y)1.75
Revenue Growth-15.30%
EPS Growth92.21%
CountryIN
Employees46
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.76
Shares Outstanding642,283,300
10 Day Avg. Volume32,916
30 Day Avg. Volume41,777
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.76
Price to Sales (P/S)3.75
P/FCF Ratio1.83
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
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...
PTC India Financial Services Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
58
Neutral
Cash Flow
72
Positive
| 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
Positive
32.58
Price Trends
29.85
Positive
31.54
Positive
34.92
Negative
Market Momentum
0.39
Negative
66.65
Neutral
94.77
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFS, the sentiment is Positive. The current price of 32.58 is above the 20-day moving average (MA) of 27.77, above the 50-day MA of 29.85, and below the 200-day MA of 34.92, indicating a neutral trend. The MACD of 0.39 indicates Negative momentum. The RSI at 66.65 is Neutral, neither overbought nor oversold. The STOCH value of 94.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:PFS.
PTC India Financial Services Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹33.34B | 23.71 | ― | 0.92% | 9.70% | 28.71% | |
65 Neutral | ₹45.40B | 12.44 | ― | 0.29% | 13.42% | -7.64% | |
56 Neutral | ₹20.06B | 11.02 | ― | ― | -15.30% | 92.21% | |
49 Neutral | ₹16.75B | 6.63 | ― | ― | 39.48% | 61.62% | |
44 Neutral | ₹13.61B | 48.24 | ― | 2.64% | -5.76% | -26.44% | |
44 Neutral | ₹20.11B | -5.67 | ― | ― | -55.39% | -139.16% |
* Financial Sector Average
IN:PFS
PTC India Financial Services Limited
31.24
-0.68
-2.13%
IN:ESAFSFB
ESAF Small Finance Bank Limited
26.39
-2.93
-9.99%
IN:PAISALO
Paisalo Digital Ltd.
49.92
17.48
53.88%
IN:SPANDANA
Spandana Sphoorty Financial Ltd.
226.90
-41.76
-15.54%
IN:TFCILTD
Tourism Finance Corporation of India Limited
72.01
31.16
76.28%
IN:UGROCAP
Ugro Capital Limited
109.40
-63.41
-36.69%
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.