PTC India Financial Services Ltd.

₹31.27

0.1 (0.3%)

PFS Share Price

Finance

As on July 3, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryNon Banking Financial Company (NBFC)

Market Cap₹ 2,014 Cr

P/E Ratio9.25

Dividend YieldN/A

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	31.3	Bearish
10-DMA	31.09	Bullish
20-DMA	30.99	Bullish
50-DMA	30.87	Bullish
100-DMA	30.32	Bullish
200-DMA	32.46	Bearish

Historical Performance

1 Year

-23.9%

3 Years

54.8%

5 Years

56.7%

10 Years

-19.3%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	165	155	62	160	113
Operating Profit	6,066	6,338	6,713	7,615	8,524
Interest	3,215	4,113	4,328	5,815	7,530
Depreciation	66	65	61	61	60
Profit Before Tax	2,785	2,160	2,324	1,739	934
Consolidated Net Profit	2,171	1,608	1,758	1,300	256
Adjusted EPS	3	3	3	2	---

Compounded Sales Growth

10 Years:-11.8

5 Years:-14.2

3 Years:-7.8

TTM:-3.6

Compounded Profit Growth

10 Years:-11.1

5 Years:14.6

3 Years:10.8

TTM:6.2

Stock Price CAGR

10 Years:-2.4

5 Years:9.7

3 Years:15.7

TTM:-23.6

Return on Equity

10 Years:7

5 Years:0.4

3 Years:2.7

last year:3.4

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	6,423	6,423	6,423	6,423	6,423
Total Reserves	21,120	18,965	18,005	16,216	14,772
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	17,426	27,758	50,505	78,545	92,615
Total Liabilities	56,524	64,770	75,843	1,02,509	1,22,180
Capital Work in Progress	---	---	---	---	---
Total Assets	56,524	64,770	75,843	1,02,509	1,22,180

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of 9.25, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 15.7%, indicating sustained price appreciation.
The stock carries a beta of 1.2, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹6066 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹6334 million, suggesting a mid-sized operation.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 766985.5

No. of Shares: 24528 (Approx)

Performance:-23.3%

P/L: ₹-233014.5

NIFTY Performance: -4.7%

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