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PTC India Financial Services Limited

PTC India Financial Services Limited

NSE: PFS
Credit ServicesFinancial ServicesSMALL CAPMCap ₹1.75k Cr
₹27.31₹1.08 (+4.12%)

Market Closed • NSE

Market cap₹1.75k Cr
Enterprise value₹2.40k Cr
P/E TTM7.87
Forward P/E4.51
P/B0.57
EPS TTM₹3.47
Forward EPS₹6.05
ROCE11.80%
D/E0.57
Dividend yield0.00%
Face value₹10.00
52W high₹40.50
52W low₹23.85
Price chart(1Y)
1Y Return:-10.52% (₹3.21)
H: ₹32.34L: ₹25.9
1W+3.17%
1M+3.68%
3M-7.80%
6M-11.19%
1Y-21.02%
Today at a glance

Day range

₹26.18₹29.68

52 week range

₹23.85₹40.50
Volume37.45M8.01x 20D avg
Free float50.00%+701.30% volume

PTC India Financial Services Limited closed at INR27.31 (+4.12%) on volume 8.01x its 20-day average, trading 32.57% below its 52-week high.

Technical analysis
RSI (14)51.8Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹1.17High
SMA 20₹27.05BULLISH
SMA 50₹27.39BEARISH
SMA 100₹28.82BEARISH
SMA 200₹29.78BEARISH
CPR bottom₹26.40
Pivot₹26.34
CPR top₹26.29
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -13% QoQ

2023-09-05

DIVIDEND Announced

Dividend - Re 1 Per Share

2020-09-14

DIVIDEND Announced

Annual General Meeting/Dividend - Rs 0.45 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹1.77k Cr₹1.75k Cr100.80%≤ 33%FAIL
Non-halal income ratio–₹478.9 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹4.89k Cr₹4.96k Cr98.76%≥ 20%PASS
Receivables ratio–₹4.96k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E7.8716.50
Forward P/E4.51—
P/B0.571.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield12.706.10
Growth & profitability
RevenuePAT
FY24PAT margin 22.80%
FY25PAT margin 34.50%
FY26PAT margin 66.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y-7.40%
PAT CAGR 3Y+13.70%
PAT CAGR 5Y+14.70%
Operating margin79.13%
Net margin63.43%
Financial health & cash flow
Net debt₹1.71k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT5.49x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹1.78k Cr
Capital expenditure–
Free cash flow₹1.78k Cr
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall68/100
Valuation75/100
Profitability65/100
Financial health65/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

High Cash Flow Conversion: CFO/PAT averaged 5.49x over last 3 years

Attractive Valuation: P/E of 7.9x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

70%47%23%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
7.17%Institutional holding
27.83%Public holding
5Periods available
0.00%Promoter pledged
1.34LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
05 Sept 2023Dividend₹1.00 / share—05 Sept 2023
—Dividend₹0.45 / share—14 Sept 2020
—Dividend₹0.80 / share—20 Sept 2019
—Dividend₹0.20 / share—29 Aug 2018
—Dividend₹1.50 / share—13 Sept 2017
—Dividend₹1.20 / share—14 Sept 2016
—Dividend₹1.00 / share—16 Sept 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.22%-45.71% latest vs average
Highest delivery80.57%on 24 Sept
Average volume (20D)4.67MTrading-session average
Conviction trendWeakening-45.71% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About PTC India Financial Services Limited
PTC India Financial Services Limited

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.[1]

IndiaFinancial Services

Questions investors ask
Is PTC India Financial Services Limited Shariah compliant?

PTC India Financial Services Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (100.8%) exceeds AAOIFI threshold (≤ 33%).

What is PTC India Financial Services Limited's current valuation relative to peers?

PTC India Financial Services Limited trades at a P/E of 7.9x compared to the sector median of 16.5x, and a Price-to-Book of 0.6x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 0.57x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at -7.4% while net profit growth averaged 14.7%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.