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Last Updated: April 2, 2026, 3:29 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532810 | NSE: PFC

Power Finance Corporation Ltd (PFC): Intrinsic Value & Share Price Analysis

Fair Value

₹349.69Overvalued by 12.14%vs CMP ₹398.00

P/E (5.2) × ROE (21.0%) × BV (₹385.00) × DY (3.97%)

₹694.86Undervalued by 74.59%vs CMP ₹398.00
MoS: +42.7% (Strong)Confidence: 43/100 (Low)Models: 4 Under, 2 Fair, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹393.2823%Fair (-1.2%)
Graham NumberEarnings₹813.6317%Under (+104.4%)
Earnings PowerEarnings₹663.5114%Under (+66.7%)
DCFCash Flow₹1,856.4114%Under (+366.4%)
Net Asset ValueAssets₹385.087%Fair (-3.2%)
EV/EBITDAEnterprise₹1.709%Over (-99.6%)
Earnings YieldEarnings₹764.207%Under (+92%)
ROCE CapitalReturns₹357.817%Over (-10.1%)
Consensus (8 models)₹694.86100%Undervalued
Key Drivers: Wide model spread (₹2–₹1,856) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 12.5%

*Investments are subject to market risks

Investment Snapshot

59
Power Finance Corporation Ltd (PFC) scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health64/100 · Moderate
ROCE 9.7% AverageROE 21.0% ExcellentD/E 10.86 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money40/100 · Moderate
FII holding stable No changeDII holding down 0.69% MF sellingPromoter holding at 56.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +12% YoY Positive
Industry Rank75/100 · Strong
P/E 5.2 vs industry 19.4 Cheaper than peersROCE 9.7% vs industry 9.5% AverageROE 21.0% vs industry 12.0% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:29 am

Market Cap 1,31,245 Cr.
Current Price 398
Intrinsic Value₹694.86
High / Low 444/330
Stock P/E5.20
Book Value 385
Dividend Yield3.97 %
ROCE9.73 %
ROE21.0 %
Face Value 10.0
PEG Ratio0.42

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Power Finance Corporation Ltd (PFC)

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Power Finance Corporation Ltd (PFC) 1,31,245 Cr. 398 444/3305.20 3853.97 %9.73 %21.0 % 10.0
Housing & Urban Development Corporation Ltd (HUDCO) 33,638 Cr. 168 254/15912.1 90.12.71 %9.62 %15.7 % 10.0
IFCI Ltd 14,040 Cr. 52.1 74.5/35.735.1 32.90.00 %8.08 %2.60 % 10.0
Tourism Finance Corporation of India Ltd 3,044 Cr. 65.8 80.5/32.625.0 27.00.91 %10.7 %8.51 % 2.00
Industry Average45,491.75 Cr170.9819.35133.751.90%9.53%11.95%8.00

All Competitor Stocks of Power Finance Corporation Ltd (PFC)

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue19,63920,06121,00922,39123,57224,14124,71725,72226,79829,26528,53928,89029,095
Interest 12,12912,63713,67014,31314,82715,15415,52116,00816,56216,58417,20417,31417,572
Expenses 900-339-65-551791-5893103664292,1312121,5141,031
Financing Profit6,6107,7637,4048,6297,9549,5778,8869,3489,80710,55011,12310,06210,492
Financing Margin %34%39%35%39%34%40%36%36%37%36%39%35%36%
Other Income 2413913223520332420901127
Depreciation 14141213141512131516141518
Profit before tax 6,6197,7627,4018,6297,9619,5978,8949,3689,81610,55411,19910,05710,502
Tax % 21%21%19%23%21%21%19%23%21%21%20%22%22%
Net Profit 5,2416,1295,9826,6286,2947,5567,1827,2157,7608,3588,9817,8348,212
EPS in Rs 11.7014.1713.8714.6514.3317.0416.8016.0717.6619.1420.8117.4019.07
Gross NPA %3.91%3.66%3.54%3.40%3.13%3.02%2.97%2.62%2.30%1.64%1.47%1.45%1.26%
Net NPA %1.15%1.03%1.00%0.98%0.86%0.85%0.84%0.80%0.73%0.38%0.31%0.30%0.23%

Last Updated: March 3, 2026, 3:45 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 10:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue21,40724,98827,86127,58148,62454,10662,18971,65676,26277,80791,508107,106115,789
Interest 13,05315,45616,65716,76830,28934,62740,84544,68444,70947,01757,96864,67068,674
Expenses 7481,1032,0425,5386,5831,6967,3327,1028,2154,290-333,8334,888
Financing Profit7,6078,4299,1625,27511,75217,78314,01219,87123,33826,50133,57338,60342,227
Financing Margin %36%34%33%19%24%33%23%28%31%34%37%36%36%
Other Income 2325253042941054679476985149
Depreciation 582041151524253552535663
Profit before tax 7,6248,4469,1675,26411,77917,86214,09319,89123,38226,49633,58838,63242,312
Tax % 28%29%33%58%25%29%33%21%20%20%21%21%
Net Profit 5,4626,0046,1842,2368,79712,6409,47715,71618,76821,17926,46130,51433,386
EPS in Rs 16.5518.1918.746.7820.2730.0621.5835.6042.4748.1559.8869.6776.42
Dividend Payout % 22%20%30%59%31%0%35%22%23%22%23%23%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)9.92%3.00%-63.84%293.43%43.69%-25.02%65.83%19.42%12.85%24.94%15.32%
Change in YoY Net Profit Growth (%)0.00%-6.93%-66.84%357.27%-249.74%-68.71%90.86%-46.41%-6.57%12.09%-9.62%

Power Finance Corporation Ltd (PFC) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:16%
5 Years:11%
3 Years:12%
TTM:16%
Compounded Profit Growth
10 Years:14%
5 Years:26%
3 Years:18%
TTM:17%
Stock Price CAGR
10 Years:16%
5 Years:39%
3 Years:61%
1 Year:-30%
Return on Equity
10 Years:19%
5 Years:21%
3 Years:21%
Last Year:21%

Last Updated: September 5, 2025, 12:25 pm

Balance Sheet

Last Updated: December 4, 2025, 1:48 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,3201,3201,3202,6402,6402,6402,6402,6402,6402,6403,3003,3003,300
Reserves 26,20231,09134,70834,20537,19444,48146,76058,12769,03681,51897,847114,438123,686
Borrowing159,215187,795200,660202,993441,151539,488596,561659,682660,476751,158861,961971,7581,000,961
Other Liabilities 7,5828,70510,53119,70041,54642,26048,56055,25758,84860,79675,77088,59094,682
Total Liabilities 194,320228,912247,220259,537522,531628,869694,521775,707791,000896,1121,038,8771,178,0861,222,629
Fixed Assets 72102198296161196238341719782764761764
CWIP 124710512919928833653223988105
Investments 275282,2303,1455,4934,6044,4043,4993,7745,97310,97112,79214,283
Other Assets 194,220228,280244,745255,990516,749623,871689,590771,530786,454889,3341,027,1021,164,4451,207,477
Total Assets 194,320228,912247,220259,537522,531628,869694,521775,707791,000896,1121,038,8771,178,0861,222,629

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -22,473-21,455-13,2981,795-57,148-80,252-42,148-59,1434,904-74,717-97,820-92,269
Cash from Investing Activity + 9-491-1,973-6671,409-13,463-731,741-547-1,694-3,409-2,312
Cash from Financing Activity + 17,67126,91610,3831,95052,01893,61643,39960,424-8,37175,537101,26194,258
Net Cash Flow -4,7934,970-4,8883,079-3,720-981,1793,023-4,014-87432-323
Free Cash Flow -22,476-21,498-13,4561,614-57,237-80,351-42,277-59,2344,604-74,840-98,143-93,110
CFO/OP -99%-79%-40%23%-124%-144%-71%-83%15%-94%-100%-82%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow589.00-186.00-198.00-197.00-435.00-538.00-589.00-652.00-652.00-747.00-894.00-968.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 21%20%18%6%17%23%15%21%21%20%21%21%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 55.99%55.99%55.99%55.99%55.99%55.99%55.99%55.99%55.99%55.99%55.99%55.99%
FIIs 16.49%17.49%16.85%17.85%17.19%17.93%17.74%18.04%18.84%18.66%18.84%18.33%
DIIs 18.63%18.10%17.86%17.47%18.21%17.04%17.43%17.16%16.17%16.11%16.04%15.48%
Public 8.89%8.42%9.29%8.66%8.58%9.04%8.83%8.80%8.97%9.21%9.13%10.18%
No. of Shareholders 4,29,3974,32,0845,33,3755,97,3157,07,57910,04,15210,34,39110,91,10811,26,25911,28,20310,97,21711,30,351

Shareholding Pattern Chart

No. of Shareholders

Power Finance Corporation Ltd (PFC): Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Kotak Midcap Fund 24,701,368 1.59 937.05N/AN/AN/A
Nippon India Growth Mid Cap Fund 21,102,514 1.92 800.5220,578,8972026-02-23 07:11:392.54%
HDFC Balanced Advantage Fund 18,500,000 0.66 701.8N/AN/AN/A
Kotak Multicap Fund 12,164,983 2.03 461.4811,114,9832026-02-23 01:32:309.45%
Nippon India ELSS Tax Saver Fund 9,111,111 2.32 345.63N/AN/AN/A
Kotak Multi Asset Allocation Fund 8,549,910 2.68 324.34N/AN/AN/A
Mirae Asset ELSS Tax Saver Fund 6,962,029 1.01 264.1N/AN/AN/A
Mirae Asset Large & Midcap Fund 6,922,450 0.62 262.65,822,4502026-02-23 01:20:4718.89%
Mirae Asset Large Cap Fund 6,632,326 0.62 251.65,999,8842026-02-23 01:16:5410.54%
Bandhan Focused Fund 4,645,723 8.84 176.24N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 69.6759.8860.1953.0844.50
Diluted EPS (Rs.) 69.6759.8860.1953.0844.50
Cash EPS (Rs.) 92.6380.3480.4271.3159.60
Book Value[Excl.RevalReserv]/Share (Rs.) 356.77406.92424.16364.67309.80
Book Value[Incl.RevalReserv]/Share (Rs.) 356.77406.92424.16364.67309.80
Revenue From Operations / Share (Rs.) 322.72276.04293.81288.86271.42
PBDIT / Share (Rs.) 313.20277.58278.64258.13244.66
PBIT / Share (Rs.) 313.03277.42278.45258.00244.57
PBT / Share (Rs.) 117.06101.78100.3688.6575.32
Net Profit / Share (Rs.) 92.4780.1880.2271.1759.51
NP After MI And SOA / Share (Rs.) 69.6759.8860.1953.0844.50
PBDIT Margin (%) 97.04100.5594.8389.3690.14
PBIT Margin (%) 96.99100.4994.7789.3190.10
PBT Margin (%) 36.2736.8734.1530.6827.74
Net Profit Margin (%) 28.6529.0427.3024.6321.92
NP After MI And SOA Margin (%) 21.5821.6920.4818.3716.39
Return on Networth / Equity (%) 19.5219.5318.8819.5519.33
Return on Capital Employeed (%) 65.8667.4465.0912.0911.15
Return On Assets (%) 1.951.901.771.771.51
Long Term Debt / Equity (X) 0.000.000.006.508.17
Total Debt / Equity (X) 8.258.528.939.2110.86
Asset Turnover Ratio (%) 0.090.090.060.060.06
Current Ratio (X) 1.141.141.133.433.90
Quick Ratio (X) 1.141.141.133.433.90
Dividend Payout Ratio (NP) (%) 23.3224.3816.6124.0117.97
Dividend Payout Ratio (CP) (%) 23.2624.3116.5623.9517.93
Earning Retention Ratio (%) 76.6875.6283.3975.9982.03
Cash Earning Retention Ratio (%) 76.7475.6983.4476.0582.07
Interest Coverage Ratio (X) 1.601.581.561.521.45
Interest Coverage Ratio (Post Tax) (X) 1.471.461.451.421.35
Enterprise Value (Cr.) 1136313.101020484.17814942.50708078.39702506.88
EV / Net Operating Revenue (X) 10.6711.2010.519.289.80
EV / EBITDA (X) 10.9911.1411.0810.3910.88
MarketCap / Net Operating Revenue (X) 1.281.410.510.380.41
Retention Ratios (%) 76.6775.6183.3875.9882.02
Price / BV (X) 1.161.270.470.410.49
Price / Net Operating Revenue (X) 1.281.410.510.380.41
EarningsYield 0.160.150.390.470.39

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Power Finance Corporation Ltd. is a Public Limited Listed company incorporated on 16/07/1986 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65910DL1986GOI024862 and registration number is 024862. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 53099.22 Cr. and Equity Capital is Rs. 3300.10 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Term Lending Institutions'Urjanidhi', 1, Barakhamba Lane, New Delhi Delhi 110001Contact not found
Management
NamePosition Held
Mrs. Parminder ChopraChairman & Managing Director
Mr. Rajiv Ranjan JhaDirector - Projects
Mr. Manoj SharmaDirector - Commercial
Mr. Sandeep KumarDirector - Finance
Mr. Prasanna TantriIndependent Director
Mrs. Usha Sajeev NairIndependent Director
Mr. Bhaskar BhattacharyaIndependent Director
Mr. Naresh Dhanrajbhai KellaIndependent Director
Dr. Sudhir MehtaIndependent Director
Mr. Shashank MisraGovernment Nominee Director

FAQ

What is the intrinsic value of Power Finance Corporation Ltd (PFC) and is it undervalued?

As of 14 April 2026, Power Finance Corporation Ltd (PFC)'s intrinsic value is ₹694.86, which is 74.59% higher than the current market price of ₹398.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (21.0 %), book value (₹385), dividend yield (3.97 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Power Finance Corporation Ltd (PFC)?

Power Finance Corporation Ltd (PFC) is trading at ₹398.00 as of 14 April 2026, with a FY2026-2027 high of ₹444 and low of ₹330. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,31,245 Cr..

How does Power Finance Corporation Ltd (PFC)'s P/E ratio compare to its industry?

Power Finance Corporation Ltd (PFC) has a P/E ratio of 5.20, which is below the industry average of 19.35. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Power Finance Corporation Ltd (PFC) financially healthy?

Key indicators for Power Finance Corporation Ltd (PFC): ROCE of 9.73 % is on the lower side compared to the industry average of 9.53%; ROE of 21.0 % shows strong shareholder returns. Dividend yield is 3.97 %.

Is Power Finance Corporation Ltd (PFC) profitable and how is the profit trend?

Power Finance Corporation Ltd (PFC) reported a net profit of ₹30,514 Cr in Mar 2025 on revenue of ₹107,106 Cr. Compared to ₹18,768 Cr in Mar 2022, the net profit shows an improving trend.

Does Power Finance Corporation Ltd (PFC) pay dividends?

Power Finance Corporation Ltd (PFC) has a dividend yield of 3.97 % at the current price of ₹398.00. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Power Finance Corporation Ltd (PFC). Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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