PTC India Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: November 8, 2025, 3:39 am

Competitors of PTC India Financial Services Ltd

All Competitor Stocks of PTC India Financial Services Ltd

Quarterly Result

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: August 23, 2025, 2:14 pm

Growth

Last Updated: September 5, 2025, 12:45 pm

Balance Sheet

Last Updated: November 9, 2025, 2:46 pm

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.

Free Cash Flow

Financial Efficiency Indicators

Share Holding Pattern

Key Financial Ratios

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.

Fair Value

*Investments are subject to market risks

Strength and Weakness