PTC India Financial Services

Financial Services

PFS NSE

NSE: PFS BSE: 533344 NBFC

₹24.81 +0.26 (+1.06%)

P/E: 7.15

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MCP

Close 4 Nov 2026 ₹24.81 −10.83 −30.4% 1Y

Start ₹35.64

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of 04 Nov 2026, 15:50 IST · EPS basis: Consolidated · TTM

Debt to Equity: 0.57
EPS (TTM): ₹3.47
Book Value: ₹49.26

Market Cap: —
P/E (TTM): 7.15
P/B: 0.50
ROE: 11.00%
Dividend Yield: 4.07%
52W High: ₹36.49
52W Low: ₹23.16
Day Range: ₹24.30 – ₹24.86
Volume: 5,04,891
ROCE: Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA: Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

PTC India Financial Services peer comparison

Bajaj Finance	₹994.00	28.53	₹6,11,015 Cr	5.02	0.62%	18.20%	—	₹90,331 Cr	₹22,067 Cr
Shriram Finance	₹908.75	15.19	₹2,13,704 Cr	1.92	0.73%	16.40%	—	₹51,877 Cr	₹12,688 Cr
Cholamandalam Investment	₹1,658.00	24.45	₹1,42,243 Cr	4.10	0.12%	19.40%	—	₹32,663 Cr	₹5,751 Cr
Tata Capital	₹337.75	26.24	₹1,41,036 Cr	2.93	0.17%	12.40%	—	₹32,695 Cr	₹5,478 Cr
Muthoot Finance	₹2,709.80	9.57	₹1,04,354 Cr	2.48	1.19%	30.90%	—	₹33,431 Cr	₹11,457 Cr
L&T Finance	₹263.70	20.75	₹63,912 Cr	2.26	1.09%	11.20%	—	₹18,898 Cr	₹3,198 Cr
SBI Cards	₹553.00	23.14	₹52,160 Cr	3.06	0.47%	14.70%	—	₹20,063 Cr	₹2,275 Cr
PTC India Financial Services (this company)	₹24.81	7.15	₹1,570 Cr	0.50	4.07%	11.00%	—	₹476 Cr	₹223 Cr
Median 8 companies	₹730.88	21.95	₹1,22,695 Cr	2.71	0.68%	15.55%	—	₹32,679 Cr	₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of 4 Nov 2026. How it works →

Overall score

53 Average

Data confidence 94/100

Category scores

Quality: 61; Good; Returns, margins, earnings quality 22% weight
Valuation: 87; Strong; Cheap vs sector & own history 24% weight
Growth: 13; Poor; Sales & profit trajectory 9% weight
Financial Health: 43; Weak; Solvency, leverage, coverage 9% weight
Momentum: 18; Poor; Trend strength, vol-adjusted 12% weight
Ownership: 46; Average; FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

Company has reduced debt.
Stock is trading at 0.54 times its book value
Company has delivered good profit growth of 65.8% CAGR over last 5 years

Weaknesses

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of -14.6% over past five years.
Company has a low return on equity of 8.68% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
Group	Signal	Bearish	Neutral	Bullish
Overall	Strong Bearish	10	6	3
Oscillators	Bearish	2	6	1
Moving Averages	Strong Bearish	8	0	2

Oscillators

Bearish

Neutral

Bullish

Overall

Strong Bearish

Bearish

Neutral

Bullish

Moving Averages

Strong Bearish

Bearish

Neutral

Bullish

Key readings

RSI (14): 43.84; Neutral
MACD (12,26,9): −0.79; Bearish
SMA (50): 26.49; Bearish
SMA (200): 29.31; Bearish

As of 4 Nov 2026

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y	−7.96%
5Y	−14.58%
3Y	−13.38%
1Y	−18.81%
TTM	−22.73%

Net profit

Net profit growth by window
10Y	−2.01%
5Y	+65.11%
3Y	+21.92%
1Y	+47.00%
TTM	−27.83%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017	₹1,351 Cr
Mar 2018	₹1,185 Cr
Mar 2019	₹1,336 Cr
Mar 2020	₹1,364 Cr
Mar 2021	₹1,139 Cr
Mar 2022	₹968 Cr
Mar 2023	₹797 Cr
Mar 2024	₹761 Cr
Mar 2025	₹638 Cr
Mar 2026	₹518 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017	₹345 Cr
Mar 2018	−₹100 Cr
Mar 2019	₹184 Cr
Mar 2020	₹110 Cr
Mar 2021	₹26.00 Cr
Mar 2022	₹130 Cr
Mar 2023	₹176 Cr
Mar 2024	₹161 Cr
Mar 2025	₹217 Cr
Mar 2026	₹319 Cr

Quarterly Results

₹ Cr

PFS quarterly results, ₹ crore
Particulars	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	190	190	204	176	161	163	158	153	142	132	122	119	103
Expenses	34	14	32	64	12	15	−2	9	−71	−45	−1	12	9
Financing Profit	47	70	69	20	61	65	82	72	148	119	65	63	56
Fin. Margin %	25%	37%	34%	12%	38%	40%	52%	47%	104%	91%	54%	53%	54%
Other Income	3	12	0	0	0	0	0	5	0	0	1	0	0
Interest	108	107	103	92	88	83	78	72	65	58	58	44	38
Depreciation	2	2	2	2	2	2	2	2	2	2	2	2	2
PBT	49	80	67	19	59	63	81	75	146	118	64	62	54
Tax %	25%	25%	25%	28%	25%	25%	17%	23%	7%	25%	24%	26%	26%
Net Profit	37	60	50	14	44	47	67	58	137	88	49	46	40
EPS (₹)	0.57	0.93	0.78	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63

Profit & Loss

₹ Cr

PFS profit and loss, annual, ₹ crore
Particulars	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,187	1,351	1,185	1,336	1,364	1,139	968	797	761	638	518	476
Expenses	121	175	647	108	243	289	209	127	144	30	−107	−26
Financing Profit	536	531	−148	284	173	99	179	238	207	285	399	304
Fin. Margin %	45%	39%	−12%	21%	13%	9%	19%	30%	27%	45%	77%	64%
Other Income	0	1	0	0	5	0	1	0	16	0	−2	1
Interest	530	645	685	944	948	752	580	432	410	323	226	198
Depreciation	4	3	3	3	6	6	6	6	6	7	7	7
PBT	531	529	−150	281	172	93	174	232	216	279	390	298
Tax %	26%	35%	−33%	34%	36%	73%	25%	24%	26%	22%	18%	—
Net Profit	391	345	−100	184	110	26	130	176	161	217	319	223
EPS (₹)	6.96	5.38	−1.56	2.87	1.71	0.4	2.02	2.74	2.5	3.38	4.97	3.47
Div. Payout %	17%	28%	Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number.	28%	26%	0%	0%	37%	0%	0%	0%	—

Balance Sheet

₹ Cr

PFS balance sheet, annual, ₹ crore
Particulars	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	562	642	642	642	642	642	642	642	642	642	642
Reserves	1,180	1,777	1,297	1,424	1,473	1,477	1,622	1,800	1,896	2,112	2,437
Borrowing	6,845	8,123	10,229	10,918	9,275	9,174	7,121	5,122	3,926	2,861	1,768
Other Liabilities	235	209	147	208	252	238	131	70	61	67	108
Total Liabilities	8,823	10,752	12,315	13,193	11,642	11,532	9,516	7,634	6,525	5,683	4,956
Fixed Assets	18	15	14	12	22	16	12	30	25	23	16
CWIP	0	0	0	0	0	0	0	0	0	0	0
Investments	235	114	63	96	356	373	350	91	122	268	832
Other Assets	8,570	10,623	12,238	13,085	11,264	11,142	9,155	7,513	6,377	5,391	4,109
Total Assets	8,823	10,752	12,315	13,193	11,642	11,532	9,516	7,634	6,525	5,683	4,956

Cash Flow

₹ Cr

PFS cash flow, annual, ₹ crore
Particulars	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating	−1,167	−888	−1,302	236	3,228	1,311	2,721	1,887	2,563	1,139	1,780
Investing	0	−5	−13	0	−386	−162	−154	259	−689	776	−1,165
Financing	1,169	904	1,338	−257	−2,652	−883	−2,719	−2,459	−1,669	−1,383	−1,316
Net Cash Flow	2	11	24	−21	191	266	−151	−312	205	532	−701
Free Cash Flow	−1,167	−894	−1,314	236	3,228	1,311	2,720	1,887	2,562	1,135	1,780

Ratios

PFS financial ratios, annual
Particulars	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	22%	17%	−5%	9%	5%	1%	6%	7%	6%	8%	11%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

55 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

Promoters 64.99%
Public 24.00%
DIIs 5.07%
Others 4.37%
FIIs 1.56%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Q1 FY27 concall · Jul 2026
PPT Recording
Concall · May 2026
Transcript PPT
Q3 FY26 concall · Jan 2026
Transcript PPT
Q2 FY26 concall · Oct 2025
Transcript PPT Recording
Q1 FY26 concall · Aug 2025
Transcript PPT

Frequently Asked Questions about PTC India Financial Services

What does PTC India Financial Services Ltd do?

PTC India Financial Services Limited (PFS) is a NBFC registered with RBI which holds the status of Infrastructure Finance Company. It provides equity/debt financing solutions to the energy value chain.

Where is PTC India Financial Services Ltd (PFS) listed?

PTC India Financial Services Ltd trades as PFS on the NSE and under code 533344 on the BSE.

Which sector does PTC India Financial Services Ltd belong to?

PTC India Financial Services Ltd is classified under the Financial Services sector, in the NBFC industry.

What is the PE ratio of PTC India Financial Services Ltd?

PTC India Financial Services Ltd trades at a PE ratio of 7.15 as of 4 Nov 2026, on earnings per share of ₹3.47, against a book value of ₹49.26 per share.

What is the 52-week high and low of PTC India Financial Services Ltd?

Over the last 52 weeks PTC India Financial Services Ltd has traded between ₹23.16 and ₹36.49 as of 4 Nov 2026.

Does PTC India Financial Services Ltd pay dividends?

PTC India Financial Services Ltd has a dividend yield of 4.07%.

What is the Return on Equity (ROE) of PTC India Financial Services Ltd?

PTC India Financial Services Ltd reported a return on equity of 11.00%. Its debt-to-equity ratio is 0.57.

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PTC India Financial Services

Key Fundamentals

Peer Comparison

Overall score

Category scores

Key Insights

Strengths

Weaknesses

Technical Indicators

Oscillators

Overall

Moving Averages

Key readings

Growth Rate

Revenue

Net profit

Operating cash flow

Revenue by year

Net profit by year

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Insights

Shareholding Pattern

Documents

Frequently Asked Questions about PTC India Financial Services

Company Information

For AI agents and developers

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