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

Fair Value

₹18.69Overvalued by 40.29%vs CMP ₹31.30

P/E (6.0) × ROE (8.2%) × BV (₹46.40) × DY (2.00%)

₹55.03Undervalued by 75.81%vs CMP ₹31.30
MoS: +43.1% (Strong)Confidence: 48/100 (Moderate)Models: 5 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹22.5624%Over (-27.9%)
Graham NumberEarnings₹73.4717%Under (+134.7%)
Earnings PowerEarnings₹23.4112%Over (-25.2%)
DCFCash Flow₹126.9012%Under (+305.4%)
Net Asset ValueAssets₹46.408%Under (+48.2%)
EV/EBITDAEnterprise₹1.0910%Over (-96.5%)
Earnings YieldEarnings₹51.708%Under (+65.2%)
ROCE CapitalReturns₹118.2310%Under (+277.7%)
Consensus (8 models)₹55.03100%Undervalued
Key Drivers: Wide model spread (₹1–₹127) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 20.7%

*Investments are subject to market risks

Analyst Summary

PTC India Financial Services Ltd operates in the Finance & Investments segment, current market price is ₹31.30, market cap is 2,009 Cr.. At a glance, stock P/E is 6.02, ROE is 8.20 %, ROCE is 9.93 %, book value is 46.4, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹55.03, which is about 75.8% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹638 Cr versus the prior period change of -16.2%, while latest net profit is about ₹217 Cr with a prior-period change of 34.8%. The 52-week range shown on this page is 44.5/23.8, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisPTC India Financial Services Ltd. is a Public Limited Listed company incorporated on 08/09/2006 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CI…

This summary is generated from the stock page data available for PTC India Financial Services Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

57
PTC India Financial Services Ltd scores 57/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health54/100 · Moderate
ROCE 9.9% AverageROE 8.2% AverageD/E 4.33 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.10% (6mo) Slight increasePromoter holding at 65.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +93% YoY Strong
Industry Rank55/100 · Moderate
P/E 6.0 vs industry 113.6 Cheaper than peersROCE 9.9% vs industry 21.3% Below 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: May 5, 2026, 12:53 am

Market Cap 2,009 Cr.
Current Price 31.3
Intrinsic Value₹55.03
High / Low 44.5/23.8
Stock P/E6.02
Book Value 46.4
Dividend Yield0.00 %
ROCE9.93 %
ROE8.20 %
Face Value 10.0
PEG Ratio0.29

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

View Share Price Target for PTC India Financial Services Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
PTC India Financial Services Ltd 2,009 Cr. 31.3 44.5/23.86.02 46.40.00 %9.93 %8.20 % 10.0
Spandana Sphoorty Financial Ltd 1,923 Cr. 239 306/181 2570.00 %3.87 %31.0 % 10.0
Kalyani Investment Company Ltd 2,100 Cr. 4,809 6,555/4,01148.7 20,5760.00 %1.15 %0.84 % 10.0
Geojit Financial Services Ltd 1,816 Cr. 65.1 94.8/50.921.0 43.02.30 %9.04 %7.33 % 1.00
Ugro Capital Ltd 1,686 Cr. 109 193/80.014.9 1830.00 %10.1 %4.64 % 10.0
Industry Average6,889.95 Cr1,278.05113.644,362.080.38%21.34%13.78%7.23

All Competitor Stocks of PTC India Financial Services Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue194194190190204176161163158151142132122
Interest 1081051081071039288837872655858
Expenses 3648341432641215-27-71-45-1
Financing Profit5041477069206165827214811965
Financing Margin %26%21%25%37%34%12%38%40%52%48%104%91%54%
Other Income 06312000005001
Depreciation 2222222222222
Profit before tax 4945498067195963817514611864
Tax % 26%20%25%25%25%28%25%25%17%23%7%25%24%
Net Profit 363637605014444767581378849
EPS in Rs 0.560.570.570.930.780.220.690.741.050.912.131.370.76
Gross NPA %
Net NPA %

Last Updated: February 4, 2026, 12:46 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 12:16 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5468021,1871,3511,1851,3361,3641,139968797761638546
Interest 221417530645685944948752580432410321252
Expenses 3613512117564710824328920912714432-111
Financing Profit289250536531-14828417399179238207285405
Financing Margin %53%31%45%39%-12%21%13%9%19%30%27%45%74%
Other Income -00-010050101606
Depreciation 4443336666677
Profit before tax 285245531529-15028117293174232216279403
Tax % 27%34%26%35%-33%34%36%73%25%24%26%22%
Net Profit 208161391345-10018411026130176161217332
EPS in Rs 3.702.866.965.38-1.562.871.710.402.022.742.503.385.17
Dividend Payout % 27%35%17%28%-13%28%26%0%0%37%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: February 1, 2026, 1:46 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 562562562642642642642642642642642642642
Reserves 7878751,1801,7771,2971,4241,4731,4771,6221,8001,8962,1122,336
Borrowing3,8955,1106,8458,12310,22910,9189,2759,1747,1215,1223,9262,8612,263
Other Liabilities 170202235209147208252238131706167110
Total Liabilities 5,4146,7508,82310,75212,31513,19311,64211,5329,5167,6346,5255,6835,351
Fixed Assets 24221815141222161230252319
CWIP 1000000000000
Investments 401340235114639635637335091122268841
Other Assets 4,9876,3888,57010,62312,23813,08511,26411,1429,1557,5136,3775,3914,490
Total Assets 5,4146,7508,82310,75212,31513,19311,64211,5329,5167,6346,5255,6835,351

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -751-1,167-888-1,3022363,2281,3112,7211,8872,5631,1391,780
Cash from Investing Activity + -1-0-5-13-0-386-162-154259-689776-1,165
Cash from Financing Activity + 7411,1699041,338-257-2,652-883-2,719-2,459-1,669-1,383-1,316
Net Cash Flow -1121124-21191266-151-312205532-701
Free Cash Flow -752-1,167-894-1,3142363,2281,3112,7201,8872,5621,1351,780
CFO/OP -96%-94%-59%-214%30%299%154%358%282%427%199%286%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow33.00130.00115.00167.00637.0098.00234.00280.00202.00122.00141.0030.00

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
Debtor Days 000222110200
Inventory Days
Days Payable
Cash Conversion Cycle 000222110200
Working Capital Days -852-285-461-758-1442234-9-20-9-2
ROCE %13%11%14%12%5%10%9%7%7%8%9%10%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%64.99%
FIIs 0.84%0.93%2.00%2.66%2.62%2.36%2.05%2.03%2.07%2.22%2.19%2.17%
DIIs 3.26%2.26%2.21%2.31%2.68%2.86%5.00%5.48%5.42%5.08%5.06%5.06%
Public 30.90%31.82%30.80%30.03%29.69%29.79%27.96%27.51%27.51%27.71%27.75%27.78%
No. of Shareholders 1,14,1021,15,5651,25,8071,35,1171,48,8021,47,9741,44,8361,43,1501,41,2011,41,3961,37,7741,38,273

Shareholding Pattern Chart

No. of Shareholders

PTC India Financial Services Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Bandhan Infrastructure Fund 12,400,122 2.85 40.71N/AN/AN/A
Bandhan Large & Mid Cap Fund 6,258,429 0.15 20.55N/AN/AN/A
Bandhan Business Cycle Fund 4,776,129 1.17 15.68N/AN/AN/A
Bandhan Small Cap Fund 140,059 0 0.46N/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.) 3.382.502.742.020.40
Diluted EPS (Rs.) 3.382.502.742.020.40
Cash EPS (Rs.) 3.482.602.832.120.49
Book Value[Excl.RevalReserv]/Share (Rs.) 42.8839.5338.0335.2533.00
Book Value[Incl.RevalReserv]/Share (Rs.) 42.8839.5338.0335.2533.00
Revenue From Operations / Share (Rs.) 9.8611.8412.3114.8417.60
PBDIT / Share (Rs.) 9.449.8510.4411.8313.25
PBIT / Share (Rs.) 9.349.7510.3411.7313.15
PBT / Share (Rs.) 4.343.363.622.711.45
Net Profit / Share (Rs.) 3.382.502.742.020.39
NP After MI And SOA / Share (Rs.) 3.382.502.742.020.39
PBDIT Margin (%) 95.7083.1384.7679.7375.26
PBIT Margin (%) 94.6682.2883.9979.0974.73
PBT Margin (%) 43.9728.3829.3818.258.26
Net Profit Margin (%) 34.2621.1222.2213.642.26
NP After MI And SOA Margin (%) 34.2621.1222.2213.642.26
Return on Networth / Equity (%) 7.886.337.195.741.20
Return on Capital Employeed (%) 21.7323.8626.2831.4930.58
Return On Assets (%) 3.812.462.301.360.22
Long Term Debt / Equity (X) 0.000.030.030.050.30
Total Debt / Equity (X) 1.031.542.093.144.33
Asset Turnover Ratio (%) 0.100.100.090.090.09
Current Ratio (X) 1.911.641.481.321.28
Quick Ratio (X) 1.911.641.481.321.28
Dividend Payout Ratio (NP) (%) 0.0039.950.000.00112.88
Dividend Payout Ratio (CP) (%) 0.0038.400.000.0091.58
Earning Retention Ratio (%) 0.0060.050.000.00-12.88
Cash Earning Retention Ratio (%) 0.0061.600.000.008.42
Interest Coverage Ratio (X) 1.891.541.551.311.13
Interest Coverage Ratio (Post Tax) (X) 1.681.391.411.221.03
Enterprise Value (Cr.) 3740.844963.285318.917162.439482.13
EV / Net Operating Revenue (X) 5.916.526.737.528.39
EV / EBITDA (X) 6.177.857.939.4311.14
MarketCap / Net Operating Revenue (X) 3.173.371.021.051.03
Retention Ratios (%) 0.0060.040.000.00-12.88
Price / BV (X) 0.721.010.330.440.54
Price / Net Operating Revenue (X) 3.173.371.021.051.03
EarningsYield 0.100.060.210.120.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

PTC India Financial Services Ltd. is a Public Limited Listed company incorporated on 08/09/2006 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65999DL2006PLC153373 and registration number is 153373. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 514.57 Cr. and Equity Capital is Rs. 642.28 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)7th Floor, Telephone Exchange Building, New Delhi Delhi 110066Contact not found
Management
NamePosition Held
Dr. Manoj Kumar JhawarNon Executive Chairman
Dr. Balaji RangachariManaging Director & CEO
Mr. Dilip SrivastavaDirector - Finance & CFO
Mr. Sanjeev KumarDirector - Operations
Mrs. P V BharathiIndependent Director
Mrs. Seema BahugunaIndependent Director
Mr. Manas Ranjan MohantyIndependent Director
Mr. Naveen Bhushan GuptaIndependent Director

FAQ

What is the intrinsic value of PTC India Financial Services Ltd and is it undervalued?

As of 10 May 2026, PTC India Financial Services Ltd's intrinsic value is ₹55.03, which is 75.81% higher than the current market price of ₹31.30, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (8.20 %), book value (₹46.4), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of PTC India Financial Services Ltd?

PTC India Financial Services Ltd is trading at ₹31.30 as of 10 May 2026, with a FY2026-2027 high of ₹44.5 and low of ₹23.8. The stock is currently in the middle of its 52-week range. Market cap stands at ₹2,009 Cr..

How does PTC India Financial Services Ltd's P/E ratio compare to its industry?

PTC India Financial Services Ltd has a P/E ratio of 6.02, which is below the industry average of 113.64. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is PTC India Financial Services Ltd financially healthy?

Key indicators for PTC India Financial Services Ltd: ROCE of 9.93 % is on the lower side compared to the industry average of 21.34%. Dividend yield is 0.00 %.

Is PTC India Financial Services Ltd profitable and how is the profit trend?

PTC India Financial Services Ltd reported a net profit of ₹217 Cr in Mar 2025 on revenue of ₹638 Cr. Compared to ₹130 Cr in Mar 2022, the net profit shows an improving trend.

Does PTC India Financial Services Ltd pay dividends?

PTC India Financial Services Ltd has a dividend yield of 0.00 % at the current price of ₹31.30. The company is currently not paying meaningful dividends.

Last Updated: May 5, 2026, 12:53 am
Author: Getaka|Social: XLinkedIn
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 PTC India Financial Services Ltd. 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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