PTC India Financial Services Limited (IN:PFS)
:PFS
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PTC India Financial Services Limited
(PFS)
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Rating:65Neutral
Price Target:
₹33.00
▲(1.29% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by improved profitability and a meaningfully stronger balance sheet, offset by weak and volatile cash generation and a multi-year revenue decline. Valuation is supportive due to the low P/E, while technicals are mixed with only modest near-term momentum and a still-weak longer-term trend.
Positive Factors
Lower Leverage
Substantially reduced leverage materially strengthens solvency and interest-cost flexibility. Lower debt-to-equity improves resilience to credit stress, enhances access to funding markets, and gives management more room to support lending cycles or opportunistic growth without over-relying on costly borrowings.
Negative Factors
Multi-year Revenue Decline
A prolonged shrinkage of the top line erodes scale and limits future interest income capacity. Sustained revenue contraction reduces diversification, compresses fee income potential, and makes margins and reported earnings more vulnerable to cyclical credit pressures, constraining long-term growth prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Lower Leverage
Substantially reduced leverage materially strengthens solvency and interest-cost flexibility. Lower debt-to-equity improves resilience to credit stress, enhances access to funding markets, and gives management more room to support lending cycles or opportunistic growth without over-relying on costly borrowings.
Read all positive factors
PTC India Financial Services Limited (PFS) vs. iShares MSCI India ETF (INDA)
Market Cap
₹19.28B
Dividend YieldN/A
Average Volume (3M)41.78K
Price to Earnings (P/E)4.8
Beta (1Y)1.68
Revenue Growth-18.77%
EPS Growth47.18%
CountryIN
Employees46
SectorFinancial
Sector Strength70
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
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
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
Positive
32.58
Price Trends
29.22
Positive
30.91
Positive
33.67
Negative
Market Momentum
0.12
Positive
55.56
Neutral
33.03
Neutral
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 30.73, above the 50-day MA of 29.22, and below the 200-day MA of 33.67, indicating a neutral trend. The MACD of 0.12 indicates Positive momentum. The RSI at 55.56 is Neutral, neither overbought nor oversold. The STOCH value of 33.03 is Neutral, 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 | ₹1.42T | 4.84 | ― | 4.62% | 5.79% | 12.66% | |
65 Neutral | ₹19.28B | 4.83 | ― | ― | -18.77% | 47.18% | |
62 Neutral | ₹355.93B | 16.79 | ― | ― | 29.45% | 19.37% | |
62 Neutral | ₹876.60B | 6.35 | ― | 5.56% | 5.53% | 2.67% | |
61 Neutral | ₹690.50B | 18.65 | ― | 0.91% | 10.78% | 12.42% | |
59 Neutral | ₹165.19B | 239.40 | ― | ― | 3.40% | 6.97% |
* Financial Sector Average
IN:PFS
PTC India Financial Services Limited
30.95
-5.19
-14.36%
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PTC India Financial Services Limited Corporate Events
PTC India Financial Services posts FY26 results call transcript for investors
May 8, 2026
PTC India Financial Services Limited announced that it has made available the transcript of its audio conference call discussing the financial results for the quarter and year ended March 31, 2026. The call, held on May 5, 2026, featured senior ma...
PTC India Financial Services Gets Clean Audit on FY26 Results, Board Clears Accounts
May 5, 2026
PTC India Financial Services Limited announced that its Board of Directors has approved the audited standalone and consolidated financial results for the quarter and full financial year ended March 31, 2026. The results, accompanied by statutory a...
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.