PTC India Financial Services Limited
PTC India Financial Services Limited (PFS) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
ptcfinancial.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
Stock price
₹27.12
Market cap
1,732 Cr
Stock P/E
9.4
P/B
0.56
Dividend yield
3.7%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 81 Cr | 97 Cr | 82 Cr | 71 Cr | 77 Cr | 79 Cr | 75 Cr | 71 Cr | 72 Cr | 52 Cr | 65 Cr | 49 Cr |
| Other income | 12 Cr | 0.0005 Cr | 0.45 Cr | 0.01 Cr | 0.0089 Cr | 0.05 Cr | 5 Cr | 0.33 Cr | 0.02 Cr | 3 Cr | 0.03 Cr | 0 Cr |
| Net operating income | 93 Cr | 97 Cr | 82 Cr | 72 Cr | 77 Cr | 79 Cr | 80 Cr | 72 Cr | 72 Cr | 56 Cr | 65 Cr | 49 Cr |
| Employee cost | 5 Cr | 5 Cr | 5 Cr | 5 Cr | 4 Cr | 5 Cr | 4 Cr | 5 Cr | 6 Cr | 6 Cr | 5 Cr | 7 Cr |
| Other expenses | 5 Cr | 19 Cr | 6 Cr | 4 Cr | 5 Cr | 8 Cr | 8 Cr | 5 Cr | 5 Cr | 5 Cr | 6 Cr | 5 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr |
| Profit before tax | 80 Cr | 67 Cr | 19 Cr | 59 Cr | 63 Cr | 81 Cr | 75 Cr | 146 Cr | 118 Cr | 64 Cr | 62 Cr | 54 Cr |
| Tax % | 25.3% | 25.4% | 28.1% | 25.2% | 25.3% | 16.8% | 22.6% | 6.6% | 25.1% | 23.5% | 26.1% | 25.8% |
| Net profit | 60 Cr | 50 Cr | 14 Cr | 44 Cr | 47 Cr | 67 Cr | 58 Cr | 137 Cr | 88 Cr | 49 Cr | 46 Cr | 40 Cr |
| EPS (₹) | ₹0.93 | ₹0.79 | ₹0.22 | ₹0.69 | ₹0.74 | ₹1.05 | ₹0.91 | ₹2.13 | ₹1.37 | ₹0.76 | ₹0.71 | ₹0.63 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019BSE balance sheet (this exchange's own filing had none for this period) | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | 376 Cr | 354 Cr | 345 Cr | 335 Cr | 341 Cr | 302 Cr | 246 Cr | Sign in for TTM |
| Other income | 2 Cr | 5 Cr | 9 Cr | 16 Cr | 6 Cr | 15 Cr | 5 Cr | 4 Cr | Sign in for TTM |
| Net operating income | 2 Cr | 381 Cr | 363 Cr | 361 Cr | 341 Cr | 356 Cr | 307 Cr | 250 Cr | Sign in for TTM |
| Employee cost | 14 Cr | 16 Cr | 17 Cr | 19 Cr | 20 Cr | 21 Cr | 18 Cr | 23 Cr | Sign in for TTM |
| Other expenses | 94 Cr | 29 Cr | 35 Cr | 17 Cr | 21 Cr | 35 Cr | 24 Cr | 21 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 3 Cr | 6 Cr | 6 Cr | 6 Cr | 6 Cr | 6 Cr | 7 Cr | 7 Cr | Sign in for TTM |
| Profit before tax | 281 Cr | 172 Cr | 93 Cr | 174 Cr | 232 Cr | 216 Cr | 279 Cr | 390 Cr | Sign in for TTM |
| Tax % | 34.5% | 36.1% | 72.6% | 25.3% | 24.3% | 25.6% | 22.1% | 18.0% | Sign in for TTM |
| Net profit | 184 Cr | 110 Cr | 26 Cr | 130 Cr | 176 Cr | 161 Cr | 217 Cr | 319 Cr | Sign in for TTM |
| EPS (₹) | ₹5.74 | ₹1.71 | ₹0.40 | ₹2.02 | ₹2.74 | ₹2.50 | ₹3.38 | ₹4.97 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 40.0% | 0.0% | 0.0% | Sign in for TTM |
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Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019BSE balance sheet (this exchange's own filing had none for this period) | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 642 Cr | 642 Cr | 642 Cr | 642 Cr | 642 Cr | 642 Cr | 642 Cr | 642 Cr |
| Reserves | 1,424 Cr | 1,473 Cr | 1,477 Cr | 1,622 Cr | 1,800 Cr | 1,896 Cr | 2,112 Cr | 2,437 Cr |
| Borrowings | 10,918 Cr | 9,275 Cr | 9,174 Cr | 7,118 Cr | 5,122 Cr | 3,905 Cr | 2,861 Cr | 1,768 Cr |
| Other liabilities | 208 Cr | 252 Cr | 238 Cr | 135 Cr | 70 Cr | 81 Cr | 67 Cr | 108 Cr |
| Total liabilities | 13,193 Cr | 11,642 Cr | 11,532 Cr | 9,516 Cr | 7,634 Cr | 6,525 Cr | 5,683 Cr | 4,956 Cr |
| Fixed assets (net) | 12 Cr | 10 Cr | 9 Cr | 8 Cr | 30 Cr | 25 Cr | 22 Cr | 15 Cr |
| CWIP | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0.11 Cr |
| Investments | 96 Cr | 356 Cr | 373 Cr | 350 Cr | 91 Cr | 122 Cr | 268 Cr | 832 Cr |
| Loans & advances | 0 Cr | 10,369 Cr | 9,961 Cr | 8,059 Cr | 6,847 Cr | 4,782 Cr | 4,186 Cr | 3,013 Cr |
| Trade receivables | 9 Cr | 4 Cr | 4 Cr | 1 Cr | 4 Cr | 0.62 Cr | 0.49 Cr | 0.82 Cr |
| Cash & bank | 32 Cr | 223 Cr | 489 Cr | 338 Cr | 26 Cr | 231 Cr | 763 Cr | 61 Cr |
| Other assets | 13,044 Cr | 680 Cr | 696 Cr | 760 Cr | 636 Cr | 1,364 Cr | 443 Cr | 1,035 Cr |
| Total assets | 13,193 Cr | 11,642 Cr | 11,532 Cr | 9,516 Cr | 7,634 Cr | 6,525 Cr | 5,683 Cr | 4,956 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019BSE balance sheet (this exchange's own filing had none for this period) | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 2,721 Cr | 1,887 Cr | 2,563 Cr | 1,139 Cr | 1,780 Cr |
| Cash from investing | — | — | — | -154 Cr | 259 Cr | -689 Cr | 776 Cr | -1,165 Cr |
| Cash from financing | — | — | — | -2,719 Cr | -2,459 Cr | -1,669 Cr | -1,383 Cr | -1,316 Cr |
| Net cash flow | — | — | — | -151 Cr | -312 Cr | 205 Cr | 532 Cr | -701 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 2,720 Cr | 1,887 Cr | 2,562 Cr | 1,135 Cr | 1,780 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019BSE balance sheet (this exchange's own filing had none for this period) | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 59.3% | 9.8% | 39.9% | 8.0% | 8.8% | 9.7% | 10.7% | 12.7% |
| ROE % | 8.9% | 5.3% | 1.2% | 5.7% | 7.2% | 6.3% | 7.9% | 0.0% |
| Debtor days | 2 | 1 | 1 | 0 | 2 | 0 | 0 | 1 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | 1 | — | — | — | — | — | — | — |
| Cash conversion cycle | 1 | 1 | 1 | 0 | 2 | 0 | 0 | 1 |
| Debt / equity | 5.28 | 0.04 | 0.04 | 3.14 | 2.10 | 1.54 | 1.04 | 0.57 |
| Current ratio | 25.46 | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 0.00 | 0.00 | 9.11 | 7.67 | 5.96 | 3.49 | 2.75 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019BSE balance sheet (this exchange's own filing had none for this period) | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — | — |
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