PFS
PTC India Financial Services Limited (PFS) Stock Analysis
PTC India Financial Services Limited finances power sector projects including generation, renewables, and equipment. It is part of the PTC India group focused on energy ecosystem funding. The company provides loans and advisory to developers. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹26.60
-7.67% 1W | -24.60% 52W
Market Cap
1.7k CR
P/E Ratio
7.7
52W High
₹40.5
52W Low
₹23.9
Div. Yield
0%
Beta
0.7
50 DMA
₹27.6
200 DMA
₹29.8
Profit Margin
63.4%
Inst. Own.
70.5%
🛑 HIT RESISTANCE
🛑 HIT RESISTANCE
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 | 190 | 190 | 204 | 176 | 161 | 163 | 158 | 153 | 142 | 132 | 122 | 119 | 103 |
| Interest | 108 | 107 | 103 | 92 | 88 | 83 | 78 | 72 | 65 | 58 | 58 | 44 | 38 |
| Expenses | 34 | 14 | 32 | 64 | 12 | 15 | -2 | 9 | -71 | -45 | -1 | 12 | 9 |
| Financing Profit | 47 | 70 | 69 | 20 | 61 | 65 | 82 | 72 | 148 | 119 | 65 | 63 | 56 |
| Financing Margin % | 25% | 37% | 34% | 12% | 38% | 40% | 52% | 47% | 104% | 91% | 54% | 53% | 54% |
| Other Income | 3 | 12 | -0 | 0 | 0 | -0 | 0 | 5 | 0 | 0 | 1 | 0 | -0 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 49 | 80 | 67 | 19 | 59 | 63 | 81 | 75 | 146 | 118 | 64 | 62 | 54 |
| Tax % | 25% | 25% | 25% | 28% | 25% | 25% | 17% | 23% | 7% | 25% | 24% | 26% | 26% |
| Net Profit | 37 | 60 | 50 | 14 | 44 | 47 | 67 | 58 | 137 | 88 | 49 | 46 | 40 |
| EPS in Rs | 0.57 | 0.93 | 0.78 | 0.22 | 0.69 | 0.74 | 1.05 | 0.91 | 2.13 | 1.37 | 0.76 | 0.71 | 0.63 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,187 | 1,351 | 1,185 | 1,336 | 1,364 | 1,139 | 968 | 797 | 761 | 638 | 518 | 476 |
| Interest | 530 | 645 | 685 | 944 | 948 | 752 | 580 | 432 | 410 | 323 | 226 | 198 |
| Expenses | 121 | 175 | 647 | 108 | 243 | 289 | 209 | 127 | 144 | 30 | -107 | -26 |
| Financing Profit | 536 | 531 | -148 | 284 | 173 | 99 | 179 | 238 | 207 | 285 | 399 | 304 |
| Financing Margin % | 45% | 39% | -12% | 21% | 13% | 9% | 19% | 30% | 27% | 45% | 77% | 64% |
| Other Income | -0 | 1 | 0 | 0 | 5 | 0 | 1 | 0 | 16 | 0 | -2 | 1 |
| Depreciation | 4 | 3 | 3 | 3 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 |
| Profit before tax | 531 | 529 | -150 | 281 | 172 | 93 | 174 | 232 | 216 | 279 | 390 | 298 |
| Tax % | 26% | 35% | -33% | 34% | 36% | 73% | 25% | 24% | 26% | 22% | 18% | |
| Net Profit | 391 | 345 | -100 | 184 | 110 | 26 | 130 | 176 | 161 | 217 | 319 | 223 |
| EPS in Rs | 6.96 | 5.38 | -1.56 | 2.87 | 1.71 | 0.40 | 2.02 | 2.74 | 2.50 | 3.38 | 4.97 | 3.47 |
| Dividend Payout % | 17% | 28% | -13% | 28% | 26% | -0% | -0% | 37% | -0% | -0% | -0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -13.0% | -15.0% | -8.0% |
| Profit CAGR | 22.0% | 66.0% | -2.0% |
Shareholding Pattern
Promoters64.99%
FIIs2.22%
DIIs5.08%
Public27.71%
Promoters64.99%
FIIs2.19%
DIIs5.06%
Public27.75%
Promoters64.99%
FIIs2.17%
DIIs5.06%
Public27.78%
Promoters64.99%
FIIs2.12%
DIIs5.05%
Public27.83%
Promoters64.99%
FIIs2.03%
DIIs5.06%
Public27.92%
Promoters64.99%
FIIs0.84%
DIIs3.26%
Public30.90%
Promoters64.99%
FIIs2.62%
DIIs2.68%
Public29.69%
Promoters64.99%
FIIs2.07%
DIIs5.42%
Public27.51%
Promoters64.99%
FIIs2.12%
DIIs5.05%
Public27.83%
Promoters64.99%
FIIs2.03%
DIIs5.06%
Public27.92%
PFS
Holdings Analysis
Key strengths & risk signals
58
Overall
58
Fundamental
58
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 24.6% in the last year.
WEAK POSITION! Current price (26.6) is below both moving averages.
WEAK! Trading at 16.3% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 63.4% profit margin - company keeps strong profits.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 4,074,134 vs down days: 548,128. Ratio: 7.43x
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
NEUTRAL! RSI at 43.5 - balanced momentum.
Fundamental & Technical Analysis
58Overall
58Fundamental
58Technical
Fundamental Breakdown
Growth Quality
17/30
Revenue CAGR: -15.8% (DECLINING, 2/15). Profit CAGR: 22.0% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 63.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.35 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.04 - caution advised.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 31.82% public ownership - moderate retail influence.
Stability Index
4/10
UNSTABLE! 3 revenue dips in history. Business growth is inconsistent.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (27.6) is below 200-day average (29.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (26.6) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 24.6% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 4,074,134 vs down days: 548,128. Ratio: 7.43x
RSI
3/5
NEUTRAL! RSI at 43.5 - balanced momentum.
52W Range
1/5
WEAK! Trading at 16.3% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 7.7% (1 week), 2.2% (1 month), 13.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
PFS
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-03 | Concall PDF | |
| Q4FY262026-05-08 | Concall PDF | |
| Q1FY262025-10-27 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PFS | ₹26.60 | 7.7 | 63.4% | -15.8% | 22.0% | -24.6% | 58 | HIT RESISTANCE | -70.6% | -11.6% | -33.9% | -19.4% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| UGROCAP | ₹79.90 | 5.6 | 24.0% | 42.4% | 63.8% | -55.3% | 64 | APPROACHING SUPPORT | +99.1% | +32.9% | +27.5% | -8.3% |
| FEDDERSHOL | ₹59.80 | 14 | 25.5% | 42.3% | 64.0% | +50.6% | 75 | CONSOLIDATING DOWN | -34.5% | -54.4% | -11.0% | -48.6% |
| FINKURVE | ₹69.50 | 33.7 | 18.4% | 59.8% | 22.0% | -45.4% | 67 | BREAKDOWN | +64.7% | +5.0% | +87.9% | +13.0% |
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| HEXATRADEX | ₹157.00 | – | -150.2% | 71.9% | – | -10.2% | 44 | APPROACHING SUPPORT | -950.0% | -151.5% | – | -100.0% |
Data from TradeAlone · Updated daily
