Share Price and Basic Stock Data
Last Updated: December 19, 2025, 9:29 pm
| PEG Ratio | 0.27 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
PTC India Financial Services Ltd (PFS) operates in the finance and investments sector, focusing on providing financial solutions primarily to the power sector. As of the latest reporting, the company’s share price stood at ₹32.6, with a market capitalization of ₹2,091 Cr. The revenue trend indicates a significant decline over recent years, with sales reported at ₹797 Cr for FY 2023, a drop from ₹968 Cr in FY 2022. The trailing twelve months (TTM) revenue further decreased to ₹614 Cr, reflecting ongoing challenges in maintaining consistent sales growth. Quarterly figures reveal a fluctuating pattern, with sales peaking at ₹204 Cr in December 2023, but declining to ₹151 Cr by March 2025. This inconsistency suggests a potential struggle in capturing market demand, which may concern investors looking for stable revenue streams.
Profitability and Efficiency Metrics
When examining profitability, PTC India Financial Services has demonstrated a mixed performance. The net profit for FY 2025 was recorded at ₹217 Cr, indicating a recovery from ₹176 Cr in FY 2023. However, the operating profit margin (OPM) showed considerable variation, standing at 95.70% for FY 2025, a significant improvement from 78% in FY 2022. This surge in OPM is a positive indicator, suggesting enhanced operational efficiency. The interest coverage ratio (ICR) of 1.89x, while above the critical threshold of 1.5x, reflects modest comfort in covering interest expenses. Yet, the reported return on equity (ROE) of 7.88% appears relatively low for the sector, indicating that while PFS is managing costs effectively, it may not be maximizing shareholder returns as efficiently as its peers.
Balance Sheet Strength and Financial Ratios
PTC India Financial Services presents a mixed bag when it comes to its balance sheet strength. The company reported reserves amounting to ₹2,336 Cr against borrowings of ₹2,263 Cr, indicating a level of financial stability that is often reassuring to investors. The price-to-book value ratio (P/BV) of 0.72x suggests that the stock is trading below its book value, which can be attractive for value investors. However, the total debt-to-equity ratio stands at 1.03x, which indicates a reliance on debt financing that could pose risks in a rising interest rate environment. Additionally, the current ratio of 1.91x and quick ratio of 1.91x show that PFS maintains a comfortable liquidity position, essential for meeting short-term obligations. Nevertheless, the decline in total assets from ₹9,516 Cr in FY 2022 to ₹5,683 Cr in FY 2025 raises questions about the company’s growth trajectory and asset management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of PTC India Financial Services reflects a strong promoter commitment, with promoters holding 64.99% of the equity. This significant stake can instill confidence among retail investors, as it suggests that the management is closely aligned with shareholder interests. However, foreign institutional investors (FIIs) and domestic institutional investors (DIIs) have relatively minor stakes at 2.19% and 5.06%, respectively, which could limit external validation of the company’s market performance. The number of shareholders has shown an encouraging upward trend, increasing from 1,14,755 in December 2022 to 1,37,774 by September 2025, indicating growing interest in the stock. Such trends may reflect a positive sentiment among retail investors, but the low institutional participation raises questions about broader market confidence in PFS’s future prospects.
Outlook, Risks, and Final Insight
Looking ahead, PTC India Financial Services faces a dual-edged sword of opportunities and risks. The company’s strong operational metrics, such as the high OPM and substantial reserves, suggest potential for recovery and growth, particularly if it can stabilize its revenue streams. However, the declining sales trend, coupled with a relatively low ROE, highlights operational challenges that need to be addressed. Investors should also consider the implications of its high debt levels in a potentially rising interest rate environment, which could strain profitability. Furthermore, the limited institutional interest may signal caution among larger investors, impacting overall market sentiment. For retail investors, PFS could represent a value opportunity, but it is crucial to remain vigilant regarding the company’s ability to adapt to market conditions and deliver consistent growth in the face of these challenges.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.9 Cr. | 40.6 | 67.7/36.4 | 47.6 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,418 Cr. | 305 | 484/280 | 15.6 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 31.6 Cr. | 0.45 | 1.98/0.42 | 4.38 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.17 Cr. | 10.4 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.6 | 72.0/40.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,303.97 Cr | 1,375.11 | 82.16 | 3,844.37 | 0.36% | 21.71% | 14.20% | 7.22 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 207 | 196 | 194 | 194 | 190 | 190 | 204 | 176 | 161 | 163 | 158 | 151 | 142 |
| Expenses | 25 | 17 | 36 | 48 | 34 | 14 | 32 | 64 | 12 | 15 | -2 | 7 | -71 |
| Operating Profit | 182 | 179 | 158 | 146 | 156 | 177 | 172 | 113 | 149 | 148 | 160 | 144 | 213 |
| OPM % | 88% | 91% | 81% | 75% | 82% | 93% | 84% | 64% | 92% | 91% | 101% | 96% | 150% |
| Other Income | 0 | 0 | 0 | 6 | 3 | 12 | 0 | 0 | 0 | 0 | 0 | 5 | 0 |
| Interest | 113 | 107 | 108 | 105 | 108 | 107 | 103 | 92 | 88 | 83 | 78 | 72 | 65 |
| Depreciation | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 68 | 70 | 49 | 45 | 49 | 80 | 67 | 19 | 59 | 63 | 81 | 75 | 146 |
| Tax % | 25% | 25% | 26% | 20% | 25% | 25% | 25% | 28% | 25% | 25% | 17% | 23% | 7% |
| Net Profit | 51 | 53 | 36 | 36 | 37 | 60 | 50 | 14 | 44 | 47 | 67 | 58 | 137 |
| EPS in Rs | 0.79 | 0.82 | 0.56 | 0.57 | 0.57 | 0.93 | 0.78 | 0.22 | 0.69 | 0.74 | 1.05 | 0.91 | 2.13 |
Last Updated: August 1, 2025, 2:15 pm
Below is a detailed analysis of the quarterly data for PTC India Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 142.00 Cr.. The value appears to be declining and may need further review. It has decreased from 151.00 Cr. (Mar 2025) to 142.00 Cr., marking a decrease of 9.00 Cr..
- For Expenses, as of Jun 2025, the value is -71.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 7.00 Cr. (Mar 2025) to -71.00 Cr., marking a decrease of 78.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 213.00 Cr.. The value appears strong and on an upward trend. It has increased from 144.00 Cr. (Mar 2025) to 213.00 Cr., marking an increase of 69.00 Cr..
- For OPM %, as of Jun 2025, the value is 150.00%. The value appears strong and on an upward trend. It has increased from 96.00% (Mar 2025) to 150.00%, marking an increase of 54.00%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 5.00 Cr..
- For Interest, as of Jun 2025, the value is 65.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 72.00 Cr. (Mar 2025) to 65.00 Cr., marking a decrease of 7.00 Cr..
- For Depreciation, as of Jun 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 146.00 Cr.. The value appears strong and on an upward trend. It has increased from 75.00 Cr. (Mar 2025) to 146.00 Cr., marking an increase of 71.00 Cr..
- For Tax %, as of Jun 2025, the value is 7.00%. The value appears to be improving (decreasing) as expected. It has decreased from 23.00% (Mar 2025) to 7.00%, marking a decrease of 16.00%.
- For Net Profit, as of Jun 2025, the value is 137.00 Cr.. The value appears strong and on an upward trend. It has increased from 58.00 Cr. (Mar 2025) to 137.00 Cr., marking an increase of 79.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.13. The value appears strong and on an upward trend. It has increased from 0.91 (Mar 2025) to 2.13, marking an increase of 1.22.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:47 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 546 | 802 | 1,187 | 1,351 | 1,185 | 1,336 | 1,364 | 1,139 | 968 | 797 | 761 | 638 | 582 |
| Expenses | 36 | 135 | 121 | 175 | 647 | 108 | 243 | 289 | 209 | 127 | 144 | 32 | -112 |
| Operating Profit | 510 | 667 | 1,066 | 1,176 | 538 | 1,228 | 1,122 | 851 | 759 | 670 | 617 | 606 | 695 |
| OPM % | 93% | 83% | 90% | 87% | 45% | 92% | 82% | 75% | 78% | 84% | 81% | 95% | 119% |
| Other Income | -0 | 0 | -0 | 1 | 0 | 0 | 5 | 0 | 1 | 0 | 16 | 0 | 5 |
| Interest | 221 | 417 | 530 | 645 | 685 | 944 | 948 | 752 | 580 | 432 | 410 | 321 | 273 |
| Depreciation | 4 | 4 | 4 | 3 | 3 | 3 | 6 | 6 | 6 | 6 | 6 | 7 | 7 |
| Profit before tax | 285 | 245 | 531 | 529 | -150 | 281 | 172 | 93 | 174 | 232 | 216 | 279 | 420 |
| Tax % | 27% | 34% | 26% | 35% | -33% | 34% | 36% | 73% | 25% | 24% | 26% | 22% | |
| Net Profit | 208 | 161 | 391 | 345 | -100 | 184 | 110 | 26 | 130 | 176 | 161 | 217 | 350 |
| EPS in Rs | 3.70 | 2.86 | 6.96 | 5.38 | -1.56 | 2.87 | 1.71 | 0.40 | 2.02 | 2.74 | 2.50 | 3.38 | 5.46 |
| Dividend Payout % | 27% | 35% | 17% | 28% | -13% | 28% | 26% | 0% | 0% | 37% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -22.60% | 142.86% | -11.76% | -128.99% | 284.00% | -40.22% | -76.36% | 400.00% | 35.38% | -8.52% | 34.78% |
| Change in YoY Net Profit Growth (%) | 0.00% | 165.45% | -154.62% | -117.22% | 412.99% | -324.22% | -36.15% | 476.36% | -364.62% | -43.91% | 43.31% |
PTC India Financial Services Ltd 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: | -2% |
| 5 Years: | -14% |
| 3 Years: | -13% |
| TTM: | -16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 15% |
| 3 Years: | 19% |
| TTM: | 84% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 16% |
| 3 Years: | 34% |
| 1 Year: | -33% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 6% |
| 3 Years: | 7% |
| Last Year: | 8% |
Last Updated: September 5, 2025, 12:45 pm
Balance Sheet
Last Updated: December 4, 2025, 1:50 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 562 | 562 | 562 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 | 642 |
| Reserves | 787 | 875 | 1,180 | 1,777 | 1,297 | 1,424 | 1,473 | 1,477 | 1,622 | 1,800 | 1,896 | 2,112 | 2,336 |
| Borrowings | 3,895 | 5,110 | 6,845 | 8,123 | 10,229 | 10,918 | 9,275 | 9,174 | 7,121 | 5,122 | 3,926 | 2,861 | 2,263 |
| Other Liabilities | 170 | 202 | 235 | 209 | 147 | 208 | 252 | 238 | 131 | 70 | 61 | 67 | 110 |
| Total Liabilities | 5,414 | 6,750 | 8,823 | 10,752 | 12,315 | 13,193 | 11,642 | 11,532 | 9,516 | 7,634 | 6,525 | 5,683 | 5,351 |
| Fixed Assets | 24 | 22 | 18 | 15 | 14 | 12 | 22 | 16 | 12 | 30 | 25 | 23 | 19 |
| CWIP | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 401 | 340 | 235 | 114 | 63 | 96 | 356 | 373 | 350 | 91 | 122 | 268 | 841 |
| Other Assets | 4,987 | 6,388 | 8,570 | 10,623 | 12,238 | 13,085 | 11,264 | 11,142 | 9,155 | 7,513 | 6,377 | 5,391 | 4,490 |
| Total Assets | 5,414 | 6,750 | 8,823 | 10,752 | 12,315 | 13,193 | 11,642 | 11,532 | 9,516 | 7,634 | 6,525 | 5,683 | 5,351 |
Below is a detailed analysis of the balance sheet data for PTC India Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 642.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 642.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,336.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,112.00 Cr. (Mar 2025) to 2,336.00 Cr., marking an increase of 224.00 Cr..
- For Borrowings, as of Sep 2025, the value is 2,263.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 2,861.00 Cr. (Mar 2025) to 2,263.00 Cr., marking a decrease of 598.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 110.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 67.00 Cr. (Mar 2025) to 110.00 Cr., marking an increase of 43.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 5,351.00 Cr.. The value appears to be improving (decreasing). It has decreased from 5,683.00 Cr. (Mar 2025) to 5,351.00 Cr., marking a decrease of 332.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 19.00 Cr.. The value appears to be declining and may need further review. It has decreased from 23.00 Cr. (Mar 2025) to 19.00 Cr., marking a decrease of 4.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 841.00 Cr.. The value appears strong and on an upward trend. It has increased from 268.00 Cr. (Mar 2025) to 841.00 Cr., marking an increase of 573.00 Cr..
- For Other Assets, as of Sep 2025, the value is 4,490.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,391.00 Cr. (Mar 2025) to 4,490.00 Cr., marking a decrease of 901.00 Cr..
- For Total Assets, as of Sep 2025, the value is 5,351.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,683.00 Cr. (Mar 2025) to 5,351.00 Cr., marking a decrease of 332.00 Cr..
Notably, the Reserves (2,336.00 Cr.) exceed the Borrowings (2,263.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 507.00 | 662.00 | -5.00 | -7.00 | 528.00 | -9.00 | -8.00 | 842.00 | 752.00 | 665.00 | 614.00 | 604.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 2 | 2 | 2 | 1 | 1 | 0 | 2 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 2 | 2 | 2 | 1 | 1 | 0 | 2 | 0 | 0 |
| Working Capital Days | -852 | -285 | -461 | -758 | -144 | 2 | 23 | 4 | -9 | -20 | -9 | -2 |
| ROCE % | 13% | 11% | 14% | 12% | 5% | 10% | 9% | 7% | 7% | 8% | 9% | 10% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Bandhan Infrastructure Fund | 12,400,122 | 2.7 | 42.23 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 6,258,429 | 0.17 | 21.32 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 3.38 | 2.50 | 2.74 | 2.02 | 0.40 |
| Diluted EPS (Rs.) | 3.38 | 2.50 | 2.74 | 2.02 | 0.40 |
| Cash EPS (Rs.) | 3.48 | 2.60 | 2.83 | 2.12 | 0.49 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 42.88 | 39.53 | 38.03 | 35.25 | 33.00 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 42.88 | 39.53 | 38.03 | 35.25 | 33.00 |
| Revenue From Operations / Share (Rs.) | 9.86 | 11.84 | 12.31 | 14.84 | 17.60 |
| PBDIT / Share (Rs.) | 9.44 | 9.85 | 10.44 | 11.83 | 13.25 |
| PBIT / Share (Rs.) | 9.34 | 9.75 | 10.34 | 11.73 | 13.15 |
| PBT / Share (Rs.) | 4.34 | 3.36 | 3.62 | 2.71 | 1.45 |
| Net Profit / Share (Rs.) | 3.38 | 2.50 | 2.74 | 2.02 | 0.39 |
| NP After MI And SOA / Share (Rs.) | 3.38 | 2.50 | 2.74 | 2.02 | 0.39 |
| PBDIT Margin (%) | 95.70 | 83.13 | 84.76 | 79.73 | 75.26 |
| PBIT Margin (%) | 94.66 | 82.28 | 83.99 | 79.09 | 74.73 |
| PBT Margin (%) | 43.97 | 28.38 | 29.38 | 18.25 | 8.26 |
| Net Profit Margin (%) | 34.26 | 21.12 | 22.22 | 13.64 | 2.26 |
| NP After MI And SOA Margin (%) | 34.26 | 21.12 | 22.22 | 13.64 | 2.26 |
| Return on Networth / Equity (%) | 7.88 | 6.33 | 7.19 | 5.74 | 1.20 |
| Return on Capital Employeed (%) | 21.73 | 23.86 | 26.28 | 31.49 | 30.58 |
| Return On Assets (%) | 3.81 | 2.46 | 2.30 | 1.36 | 0.22 |
| Long Term Debt / Equity (X) | 0.00 | 0.03 | 0.03 | 0.05 | 0.30 |
| Total Debt / Equity (X) | 1.03 | 1.54 | 2.09 | 3.14 | 4.33 |
| Asset Turnover Ratio (%) | 0.10 | 0.10 | 0.09 | 0.09 | 0.09 |
| Current Ratio (X) | 1.91 | 1.64 | 1.48 | 1.32 | 1.28 |
| Quick Ratio (X) | 1.91 | 1.64 | 1.48 | 1.32 | 1.28 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 39.95 | 0.00 | 0.00 | 112.88 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 38.40 | 0.00 | 0.00 | 91.58 |
| Earning Retention Ratio (%) | 0.00 | 60.05 | 0.00 | 0.00 | -12.88 |
| Cash Earning Retention Ratio (%) | 0.00 | 61.60 | 0.00 | 0.00 | 8.42 |
| Interest Coverage Ratio (X) | 1.89 | 1.54 | 1.55 | 1.31 | 1.13 |
| Interest Coverage Ratio (Post Tax) (X) | 1.68 | 1.39 | 1.41 | 1.22 | 1.03 |
| Enterprise Value (Cr.) | 3740.84 | 4963.28 | 5318.91 | 7162.43 | 9482.13 |
| EV / Net Operating Revenue (X) | 5.91 | 6.52 | 6.73 | 7.52 | 8.39 |
| EV / EBITDA (X) | 6.17 | 7.85 | 7.93 | 9.43 | 11.14 |
| MarketCap / Net Operating Revenue (X) | 3.17 | 3.37 | 1.02 | 1.05 | 1.03 |
| Retention Ratios (%) | 0.00 | 60.04 | 0.00 | 0.00 | -12.88 |
| Price / BV (X) | 0.72 | 1.01 | 0.33 | 0.44 | 0.54 |
| Price / Net Operating Revenue (X) | 3.17 | 3.37 | 1.02 | 1.05 | 1.03 |
| EarningsYield | 0.10 | 0.06 | 0.21 | 0.12 | 0.02 |
After reviewing the key financial ratios for PTC India Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 3.38. This value is below the healthy minimum of 5. It has increased from 2.50 (Mar 24) to 3.38, marking an increase of 0.88.
- For Diluted EPS (Rs.), as of Mar 25, the value is 3.38. This value is below the healthy minimum of 5. It has increased from 2.50 (Mar 24) to 3.38, marking an increase of 0.88.
- For Cash EPS (Rs.), as of Mar 25, the value is 3.48. This value is within the healthy range. It has increased from 2.60 (Mar 24) to 3.48, marking an increase of 0.88.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 42.88. It has increased from 39.53 (Mar 24) to 42.88, marking an increase of 3.35.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 42.88. It has increased from 39.53 (Mar 24) to 42.88, marking an increase of 3.35.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 9.86. It has decreased from 11.84 (Mar 24) to 9.86, marking a decrease of 1.98.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 9.44. This value is within the healthy range. It has decreased from 9.85 (Mar 24) to 9.44, marking a decrease of 0.41.
- For PBIT / Share (Rs.), as of Mar 25, the value is 9.34. This value is within the healthy range. It has decreased from 9.75 (Mar 24) to 9.34, marking a decrease of 0.41.
- For PBT / Share (Rs.), as of Mar 25, the value is 4.34. This value is within the healthy range. It has increased from 3.36 (Mar 24) to 4.34, marking an increase of 0.98.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 3.38. This value is within the healthy range. It has increased from 2.50 (Mar 24) to 3.38, marking an increase of 0.88.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 3.38. This value is within the healthy range. It has increased from 2.50 (Mar 24) to 3.38, marking an increase of 0.88.
- For PBDIT Margin (%), as of Mar 25, the value is 95.70. This value is within the healthy range. It has increased from 83.13 (Mar 24) to 95.70, marking an increase of 12.57.
- For PBIT Margin (%), as of Mar 25, the value is 94.66. This value exceeds the healthy maximum of 20. It has increased from 82.28 (Mar 24) to 94.66, marking an increase of 12.38.
- For PBT Margin (%), as of Mar 25, the value is 43.97. This value is within the healthy range. It has increased from 28.38 (Mar 24) to 43.97, marking an increase of 15.59.
- For Net Profit Margin (%), as of Mar 25, the value is 34.26. This value exceeds the healthy maximum of 10. It has increased from 21.12 (Mar 24) to 34.26, marking an increase of 13.14.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 34.26. This value exceeds the healthy maximum of 20. It has increased from 21.12 (Mar 24) to 34.26, marking an increase of 13.14.
- For Return on Networth / Equity (%), as of Mar 25, the value is 7.88. This value is below the healthy minimum of 15. It has increased from 6.33 (Mar 24) to 7.88, marking an increase of 1.55.
- For Return on Capital Employeed (%), as of Mar 25, the value is 21.73. This value is within the healthy range. It has decreased from 23.86 (Mar 24) to 21.73, marking a decrease of 2.13.
- For Return On Assets (%), as of Mar 25, the value is 3.81. This value is below the healthy minimum of 5. It has increased from 2.46 (Mar 24) to 3.81, marking an increase of 1.35.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.03 (Mar 24) to 0.00, marking a decrease of 0.03.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.03. This value exceeds the healthy maximum of 1. It has decreased from 1.54 (Mar 24) to 1.03, marking a decrease of 0.51.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.10. There is no change compared to the previous period (Mar 24) which recorded 0.10.
- For Current Ratio (X), as of Mar 25, the value is 1.91. This value is within the healthy range. It has increased from 1.64 (Mar 24) to 1.91, marking an increase of 0.27.
- For Quick Ratio (X), as of Mar 25, the value is 1.91. This value is within the healthy range. It has increased from 1.64 (Mar 24) to 1.91, marking an increase of 0.27.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 39.95 (Mar 24) to 0.00, marking a decrease of 39.95.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 38.40 (Mar 24) to 0.00, marking a decrease of 38.40.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 60.05 (Mar 24) to 0.00, marking a decrease of 60.05.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 61.60 (Mar 24) to 0.00, marking a decrease of 61.60.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.89. This value is below the healthy minimum of 3. It has increased from 1.54 (Mar 24) to 1.89, marking an increase of 0.35.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 3. It has increased from 1.39 (Mar 24) to 1.68, marking an increase of 0.29.
- For Enterprise Value (Cr.), as of Mar 25, the value is 3,740.84. It has decreased from 4,963.28 (Mar 24) to 3,740.84, marking a decrease of 1,222.44.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.91. This value exceeds the healthy maximum of 3. It has decreased from 6.52 (Mar 24) to 5.91, marking a decrease of 0.61.
- For EV / EBITDA (X), as of Mar 25, the value is 6.17. This value is within the healthy range. It has decreased from 7.85 (Mar 24) to 6.17, marking a decrease of 1.68.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.17. This value exceeds the healthy maximum of 3. It has decreased from 3.37 (Mar 24) to 3.17, marking a decrease of 0.20.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 60.04 (Mar 24) to 0.00, marking a decrease of 60.04.
- For Price / BV (X), as of Mar 25, the value is 0.72. This value is below the healthy minimum of 1. It has decreased from 1.01 (Mar 24) to 0.72, marking a decrease of 0.29.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.17. This value exceeds the healthy maximum of 3. It has decreased from 3.37 (Mar 24) to 3.17, marking a decrease of 0.20.
- For EarningsYield, as of Mar 25, the value is 0.10. This value is below the healthy minimum of 5. It has increased from 0.06 (Mar 24) to 0.10, marking an increase of 0.04.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in PTC India Financial Services Ltd:
- Net Profit Margin: 34.26%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 21.73% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 7.88% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.68
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.91
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.01 (Industry average Stock P/E: 82.16)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.03
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 34.26%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 7th Floor, Telephone Exchange Building, New Delhi Delhi 110066 | info@ptcfinancial.com http://www.ptcfinancial.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Manoj Kumar Jhawar | Non Executive Chairman |
| Dr. Balaji Rangachari | Managing Director & CEO |
| Mr. Dilip Srivastava | Director - Finance & CFO |
| Mr. Sanjeev Kumar | Director - Operations |
| Mrs. P V Bharathi | Independent Director |
| Mrs. Seema Bahuguna | Independent Director |
| Mr. Manas Ranjan Mohanty | Independent Director |
| Mr. Naveen Bhushan Gupta | Independent Director |
FAQ
What is the intrinsic value of PTC India Financial Services Ltd?
PTC India Financial Services Ltd's intrinsic value (as of 19 December 2025) is 18.66 which is 43.11% lower the current market price of 32.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,103 Cr. market cap, FY2025-2026 high/low of 45.9/27.2, reserves of ₹2,336 Cr, and liabilities of 5,351 Cr.
What is the Market Cap of PTC India Financial Services Ltd?
The Market Cap of PTC India Financial Services Ltd is 2,103 Cr..
What is the current Stock Price of PTC India Financial Services Ltd as on 19 December 2025?
The current stock price of PTC India Financial Services Ltd as on 19 December 2025 is 32.8.
What is the High / Low of PTC India Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of PTC India Financial Services Ltd stocks is 45.9/27.2.
What is the Stock P/E of PTC India Financial Services Ltd?
The Stock P/E of PTC India Financial Services Ltd is 6.01.
What is the Book Value of PTC India Financial Services Ltd?
The Book Value of PTC India Financial Services Ltd is 46.4.
What is the Dividend Yield of PTC India Financial Services Ltd?
The Dividend Yield of PTC India Financial Services Ltd is 0.00 %.
What is the ROCE of PTC India Financial Services Ltd?
The ROCE of PTC India Financial Services Ltd is 9.93 %.
What is the ROE of PTC India Financial Services Ltd?
The ROE of PTC India Financial Services Ltd is 8.20 %.
What is the Face Value of PTC India Financial Services Ltd?
The Face Value of PTC India Financial Services Ltd is 10.0.