PFC
Power Finance Corporation Limited (PFC) Stock Analysis
Power Finance Corporation Limited lends to power generation, transmission, and distribution projects across India. As a government-owned financier, it supports the sector's capital needs and reforms. The company is a major provider of long-term power sector funding. It is listed on Indian stock exchanges as a Navratna PSU.
Financial Services › Credit Services
₹333.20
+1.66% 1W | -13.70% 52W
Market Cap
110.0k CR
P/E Ratio
4.2
52W High
₹486.5
52W Low
₹313.4
Div. Yield
4.56%
Beta
0.6
50 DMA
₹350.3
200 DMA
₹401.3
Profit Margin
54.5%
Inst. Own.
25.3%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21,009 | 22,391 | 23,572 | 24,141 | 24,717 | 25,722 | 26,798 | 29,265 | 28,539 | 28,890 | 29,095 | 28,920 | 28,527 |
| Interest | 13,670 | 14,313 | 14,827 | 15,154 | 15,521 | 16,008 | 16,562 | 16,567 | 17,204 | 17,314 | 17,572 | 17,333 | 17,250 |
| Expenses | -65 | -551 | 791 | -589 | 310 | 366 | 429 | 2,148 | 212 | 1,514 | 1,031 | 416 | 35 |
| Financing Profit | 7,404 | 8,629 | 7,954 | 9,577 | 8,886 | 9,348 | 9,807 | 10,550 | 11,123 | 10,062 | 10,492 | 11,170 | 11,242 |
| Financing Margin % | 35% | 39% | 34% | 40% | 36% | 36% | 37% | 36% | 39% | 35% | 36% | 39% | 39% |
| Other Income | 9 | 13 | 22 | 35 | 20 | 33 | 24 | 20 | 90 | 11 | 27 | -63 | 36 |
| Depreciation | 12 | 13 | 14 | 15 | 12 | 13 | 15 | 16 | 14 | 15 | 18 | 16 | 18 |
| Profit before tax | 7,401 | 8,629 | 7,961 | 9,597 | 8,894 | 9,368 | 9,816 | 10,554 | 11,199 | 10,057 | 10,502 | 11,092 | 11,260 |
| Tax % | 19% | 23% | 21% | 21% | 19% | 23% | 21% | 21% | 20% | 22% | 22% | 22% | 20% |
| Net Profit | 5,982 | 6,628 | 6,294 | 7,556 | 7,182 | 7,215 | 7,760 | 8,358 | 8,981 | 7,834 | 8,212 | 8,598 | 8,998 |
| EPS in Rs | 13.87 | 14.65 | 14.33 | 17.04 | 16.80 | 16.07 | 17.66 | 19.14 | 20.81 | 17.40 | 19.07 | 21.21 | 21.25 |
| Gross NPA % | 3.54% | 3.40% | 3.13% | 3.02% | 2.97% | 2.62% | 2.30% | 1.64% | 1.47% | 1.45% | 1.26% | 0.66% | 0.66% |
| Net NPA % | 1.00% | 0.98% | 0.86% | 0.85% | 0.84% | 0.80% | 0.73% | 0.38% | 0.31% | 0.30% | 0.23% | 0.13% | 0.13% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 24,988 | 27,861 | 27,581 | 48,624 | 54,106 | 62,189 | 71,656 | 76,262 | 77,568 | 91,508 | 106,502 | 115,450 | 115,431 |
| Interest | 15,456 | 16,657 | 16,768 | 30,289 | 34,627 | 40,845 | 44,684 | 44,709 | 47,017 | 57,968 | 64,644 | 69,415 | 69,470 |
| Expenses | 1,103 | 2,042 | 5,538 | 6,583 | 1,696 | 7,332 | 7,102 | 8,215 | 4,051 | -33 | 3,255 | 3,171 | 2,996 |
| Financing Profit | 8,429 | 9,162 | 5,275 | 11,752 | 17,783 | 14,012 | 19,871 | 23,338 | 26,501 | 33,573 | 38,603 | 42,864 | 42,966 |
| Financing Margin % | 34% | 33% | 19% | 24% | 33% | 23% | 28% | 31% | 34% | 37% | 36% | 37% | 37% |
| Other Income | 25 | 25 | 30 | 42 | 94 | 105 | 46 | 79 | 47 | 69 | 85 | 49 | 12 |
| Depreciation | 8 | 20 | 41 | 15 | 15 | 24 | 25 | 35 | 52 | 53 | 56 | 63 | 67 |
| Profit before tax | 8,446 | 9,167 | 5,264 | 11,779 | 17,862 | 14,093 | 19,891 | 23,382 | 26,496 | 33,588 | 38,632 | 42,850 | 42,911 |
| Tax % | 29% | 33% | 58% | 25% | 29% | 33% | 21% | 20% | 20% | 21% | 21% | 22% | |
| Net Profit | 6,004 | 6,184 | 2,236 | 8,797 | 12,640 | 9,477 | 15,716 | 18,768 | 21,179 | 26,461 | 30,514 | 33,625 | 33,642 |
| EPS in Rs | 18.19 | 18.74 | 6.78 | 20.27 | 30.06 | 21.58 | 35.60 | 42.47 | 48.15 | 59.88 | 69.67 | 78.49 | 78.93 |
| Dividend Payout % | 20% | 30% | 59% | 31% | 0% | 35% | 22% | 23% | 22% | 23% | 23% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 10.0% | 15.0% |
| Profit CAGR | 18.0% | 17.0% | 15.0% |
Shareholding Pattern
Promoters55.99%
FIIs18.66%
DIIs16.11%
Public9.21%
Promoters55.99%
FIIs18.84%
DIIs16.04%
Public9.13%
Promoters55.99%
FIIs18.33%
DIIs15.48%
Public10.18%
Promoters55.99%
FIIs19.64%
DIIs15.05%
Public9.32%
Promoters55.99%
FIIs20.54%
DIIs14.50%
Public8.96%
Promoters55.99%
FIIs16.49%
DIIs18.63%
Public8.89%
Promoters55.99%
FIIs17.19%
DIIs18.21%
Public8.58%
Promoters55.99%
FIIs18.84%
DIIs16.17%
Public8.97%
Promoters55.99%
FIIs19.64%
DIIs15.05%
Public9.32%
Promoters55.99%
FIIs20.54%
DIIs14.50%
Public8.96%
PFC
Holdings Analysis
Key strengths & risk signals
77
Overall
95
Fundamental
60
Technical
Risks (3)
WEAK POSITION! Current price (333.2) is below both moving averages.
WEAK YEAR! Stock declined 13.7% in the last year.
WEAK! Trading at 11.4% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 54.5% profit margin - company keeps strong profits.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 10,046,567 vs down days: 9,031,037. Ratio: 1.11x
Fundamental & Technical Analysis
77Overall
95Fundamental
60Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 16.2% (VERY GOOD, 13/15). Profit CAGR: 17.7% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 54.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.24 indicates stock is cheap relative to growth.
Dividend Yield
9/10
VERY GOOD DIVIDEND! 4.56% yield - strong income generator.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 8.42% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (350.3) is below 200-day average (401.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (333.2) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 13.7% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 10,046,567 vs down days: 9,031,037. Ratio: 1.11x
RSI
3/5
NEUTRAL! RSI at 43.3 - balanced momentum.
52W Range
1/5
WEAK! Trading at 11.4% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 1.7% (1 week), -3.7% (1 month), -17.7% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
PFC
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-20 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| CHOLAFIN | ₹1,574.40 | 23.3 | 40.5% | 32.8% | 25.2% | -4.9% | 70 | APPROACHING RESISTANCE | +45.6% | +0.7% | +27.4% | +2.9% |
| TATACAP | ₹322.80 | 25.3 | 39.7% | 34.5% | – | -2.8% | 61 | APPROACHING SUPPORT | – | +3.0% | +15.3% | +5.7% |
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
Data from TradeAlone · Updated daily
