PFS - PTC India Financial Services Limited Share Price
Finance
Valuation | |
|---|---|
| Market Cap | 2.45 kCr |
| Price/Earnings (Trailing) | 7.91 |
| Price/Sales (Trailing) | 3.97 |
| EV/EBITDA | 2.52 |
| Price/Free Cashflow | 2.16 |
| MarketCap/EBT | 6.72 |
| Enterprise Value | 1.69 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 619.01 Cr |
| Rev. Growth (Yr) | -11.8% |
| Earnings (TTM) | 309.29 Cr |
| Earnings Growth (Yr) | 207.7% |
Profitability | |
|---|---|
| Operating Margin | 59% |
| EBT Margin | 59% |
| Return on Equity | 11.23% |
| Return on Assets | 5.44% |
| Free Cashflow Yield | 46.29% |
Price to Sales Ratio
Revenue (Last 12 mths)
Net Income (Last 12 mths)
Growth & Returns | |
|---|---|
| Price Change 1W | -8.2% |
| Price Change 1M | -5.9% |
| Price Change 6M | 3.4% |
| Price Change 1Y | -27.9% |
| 3Y Cumulative Return | 35.5% |
| 5Y Cumulative Return | 16.1% |
| 7Y Cumulative Return | 11.6% |
| 10Y Cumulative Return | -2.4% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | 775.67 Cr |
| Cash Flow from Operations (TTM) | 1.14 kCr |
| Cash Flow from Financing (TTM) | -1.38 kCr |
| Cash & Equivalents | 762.52 Cr |
| Free Cash Flow (TTM) | 1.14 kCr |
| Free Cash Flow/Share (TTM) | 17.69 |
Balance Sheet | |
|---|---|
| Total Assets | 5.68 kCr |
| Total Liabilities | 2.93 kCr |
| Shareholder Equity | 2.75 kCr |
| Net PPE | 21.69 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | 0.23 |
| Interest/Cashflow Ops | 4.82 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend Yield | 2.42% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Risk & Volatility | |
|---|---|
| Max Drawdown | -36.7% |
| Drawdown Prob. (30d, 5Y) | 57.31% |
| Risk Level (5Y) | 51.8% |
Summary of Latest Earnings Report from PTC India Financial Services
Summary of PTC India Financial Services's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Last updated:
Management's outlook for PTC India Financial Services Limited emphasizes a strong commitment to transformation and growth, with a target of INR 4,000 crores in disbursements for the fiscal year. During Q1 FY '26, the company reported disbursements of INR 138 crores, significantly improving from INR 50 crores in the previous quarter. Despite this momentum, there was a moderation in Assets Under Management (AUM) due to scheduled repayments totaling INR 553 crores.
Key forward-looking points include:
Asset Resolution: 38% of Gross Stage 3 assets were resolved in Q1, with an additional 30% in advanced stages. Major recoveries include the resolution of NSL (INR 125 crores), Vento (INR 115 crores), and IL&FS, which is expected to be beneficial for the company's financial health.
Leadership Augmentation: The top management has been strengthened with the addition of experienced professionals, including a new Director of Operations and a Business Head for the SME segment. This is aimed at building institutional capability and improving operational efficiency.
Diversified Lending: The company plans to focus on smaller ticket sizes for loans (INR 40 to 150 crores) across different sectors, including renewable energy and infrastructure, to reduce concentration risk.
Growth Projections: Management confirmed a target to ramp up disbursements to INR 1,000 - 1,200 crores in Q2, supported by a pipeline of proposals exceeding INR 1,000 crores.
Cost of Borrowing: The targeted reduction in cost of borrowing is underway, with the current average at 9.67%. Continued discussions with lenders are expected to yield favorable terms.
Overall, PTC India Financial Services is positioned for a recovery trajectory with proactive management strategies aiming at sustainable growth and stakeholder value.
Last updated:
Questions and Answers
Question: "You said that we will be ending at about INR 4,000 crores of disbursement as we were guiding. And in Q2, we will cover what we've lost in terms of disbursement in Q1. Is that right?"
Answer: Yes, the full-year plan for disbursement is around INR 4,000 crores. First quarter performance was below our expectations, but we are confident we'll make up for this shortfall by September.
Question: "How are we differentiating ourselves compared to larger peers in this business?"
Answer: We differentiate by ensuring faster delivery of sanctions and disbursements and by focusing on niche segments that larger players may overlook. Our smaller ticket sizes also allow us to target markets that others may not be serving, leading to potentially higher yields.
Question: "Can you provide the turnaround time from proposal to disbursement compared to larger players?"
Answer: Our current turnaround time is about 1 to 1.5 months. In comparison, larger players take about 3.5 months. Our goal is to improve this further to complete the process within 30 days.
Question: "Why not issue preferential shares to a strong private player to enhance credibility?"
Answer: Discussions regarding potential capital raising are ongoing. For now, our primary focus is stabilizing and growing the business. We are addressing quality improvements and sources of business, which will guide our decisions on equity issuance.
Question: "What is our expected disbursement target for Q2?"
Answer: We are targeting disbursements of around INR 1,000 to INR 1,200 crores in Q2 based on the strong pipeline we have across various proposals.
Question: "Are you merging with rating agencies for an upgrade?"
Answer: We are in discussions with rating agencies, and we expect improvements based on our financial health and asset performance. We anticipate some positive news regarding ratings in the upcoming months.
Question: "What is your expected cost of borrowing from new sanctions?"
Answer: Our existing cost of borrowing has been reduced to 9.67%. We aim to lower it further, but specific numbers will depend on negotiations with individual banks.
Question: "How does the liquidity position affect our fundraising efforts?"
Answer: We currently have INR 1,500 crores in liquidity. We are actively engaging with both existing and potential new lenders, and we expect sanctions to be secured this quarter.
Question: "Given that disbursements were INR 138 crores in Q1, how do you plan to ramp up?"
Answer: We anticipate a significant increase in disbursements in H2, driven by the strong pipeline we are building. While Q1 was below expectations, the volume of proposals in our pipeline supports our disbursement goals.
Question: "What were the repayments in this quarter, and what do you expect for the full year?"
Answer: The repayments for the current quarter were INR 553 crores. We project total repayments for the full year will be around INR 1,000 to INR 1,500 crores.
Feel free to ask me if you have further inquiries regarding any specific details!
Share Holdings
Understand PTC India Financial Services ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
Holding Pattern
Share Holding Details
| Shareholder Name | Holding % |
|---|---|
| PTC India Limited | 64.99% |
| BANDHAN LARGE & MID CAP FUND | 3.67% |
Overall Distribution
Distribution across major stakeholders
Ownership Distribution
Distribution across major institutional holders
Is PTC India Financial Services Better than it's peers?
Detailed comparison of PTC India Financial Services against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| PFC | Power Finance Corp | 1.33 LCr | 1.1 LCr | -2.40% | -16.80% | 5.48 | 1.21 | - | - |
| RECLTD | REC | 1.02 LCr | 58.17 kCr | -2.50% | -34.70% | 6.07 | 1.76 | - | - |
| HUDCO | Housing &Urban Development Corp | 42.13 kCr | 10.35 kCr | -7.90% | -29.30% | 15.14 | 3.8 | - | - |
| IREDA | Indian Renewable Energy Development Agency | 40.61 kCr | 7.2 kCr | -13.20% | -41.80% | 24.93 | 5.64 | - | - |
Sector Comparison: PFS vs Finance
Comprehensive comparison against sector averages
Comparative Metrics
PFS metrics compared to Finance
| Category | PFS | Finance |
|---|---|---|
| PE | 7.93 | 25.40 |
| PS | 3.97 | 5.10 |
| Growth | -16.8 % | 10.1 % |
Performance Comparison
PFS vs Finance (2021 - 2025)
- 1. PFS is NOT among the Top 10 largest companies in Non Banking Financial Company(NBFC).
- 2. The company holds a market share of 0.2% in Non Banking Financial Company(NBFC).
- 3. In last one year, the company has had a below average growth that other Non Banking Financial Company(NBFC) companies.
Income Statement for PTC India Financial Services
Balance Sheet for PTC India Financial Services
Cash Flow for PTC India Financial Services
What does PTC India Financial Services Limited do?
PTC India Financial Services Limited, a non-banking finance company, provides various financing solutions primarily in India. It offers fund based/non-fund based financial assistance in the form of debt or structured debt instruments, such as term debt or project debt, corporate debt, bridge debt, and bills discounting, as well as letters of comfort, credit enhancement schemes, and deferred payment guarantees. The company acts as underwriter, lead FI, syndicator, security and facility agent, project appraiser, and DPR consultant/preparer. In addition, it invests in green-field and brown-field projects, logistics, road project, and other infrastructure. The company was incorporated in 2006 and is based in New Delhi, India. PTC India Financial Services Limited is a subsidiary of PTC India Limited.