PFS

PTC India Financial Services Limited

Infrastructure-focused NBFC lending to renewable energy and other sectors

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

ptcfinancial.com(opens the company website in a new tab)
Ask AI

Key metrics

Price as of 2026-10-16

Stock price
₹27.31
Market cap
1,754 Cr
Stock P/E
7.9
P/B
0.57
Dividend yield
3.7%
ROE (FY26)
10.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

Loading price history…

Compare with peers

Loading peers…

What you need to know

PFS (PTC India Financial Services) is a non-banking finance company that lends to infrastructure projects, including renewable energy, transmission, roads, power distribution and thermal power.

Company snapshot

30thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 62.1% — the business keeps a healthy share of every rupee it earns.
1 more signal from the filings.Sign in free to see them all

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income81 Cr97 Cr82 Cr71 Cr77 Cr79 Cr75 Cr71 Cr72 Cr52 Cr65 Cr49 Cr
Other income12 Cr0.0005 Cr0.45 Cr0.01 Cr0.0089 Cr0.05 Cr5 Cr0.33 Cr0.02 Cr3 Cr0.03 Cr0 Cr
Net operating income93 Cr97 Cr82 Cr72 Cr77 Cr79 Cr80 Cr72 Cr72 Cr56 Cr65 Cr49 Cr
Employee cost5 Cr5 Cr5 Cr5 Cr4 Cr5 Cr4 Cr5 Cr6 Cr6 Cr5 Cr7 Cr
Other expenses5 Cr19 Cr6 Cr4 Cr5 Cr8 Cr8 Cr5 Cr5 Cr5 Cr6 Cr5 Cr
Provisions & contingencies————————————
Depreciation2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr
Profit before tax80 Cr67 Cr19 Cr59 Cr63 Cr81 Cr75 Cr146 Cr118 Cr64 Cr62 Cr54 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 profit60 Cr50 Cr14 Cr44 Cr47 Cr67 Cr58 Cr137 Cr88 Cr49 Cr46 Cr40 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

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———376 Cr354 Cr345 Cr335 Cr341 Cr302 Cr246 CrSign in free for the trailing twelve months
Other income1 Cr0.62 Cr2 Cr5 Cr9 Cr16 Cr6 Cr15 Cr5 Cr4 CrSign in free for the trailing twelve months
Net operating income1 Cr0.62 Cr2 Cr381 Cr363 Cr361 Cr341 Cr356 Cr307 Cr250 CrSign in free for the trailing twelve months
Employee cost13 Cr15 Cr14 Cr16 Cr17 Cr19 Cr20 Cr21 Cr18 Cr23 CrSign in free for the trailing twelve months
Other expenses20 Cr384 Cr94 Cr29 Cr35 Cr17 Cr21 Cr35 Cr24 Cr21 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation3 Cr3 Cr3 Cr6 Cr6 Cr6 Cr6 Cr6 Cr7 Cr7 CrSign in free for the trailing twelve months
Profit before tax529 Cr105 Cr281 Cr172 Cr93 Cr174 Cr232 Cr216 Cr279 Cr390 CrSign in free for the trailing twelve months
Tax %34.7%76.5%34.5%36.1%72.6%25.3%24.3%25.6%22.1%18.0%Sign in free for the trailing twelve months
Net profit345 Cr25 Cr184 Cr110 Cr26 Cr130 Cr176 Cr161 Cr217 Cr319 CrSign in free for the trailing twelve months
EPS (₹)₹5.86₹0.38₹2.87₹1.71₹0.40₹2.02₹2.74₹2.50₹3.38₹4.97Sign in free for the trailing twelve months
Dividend payout %————112.9%0.0%0.0%40.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital642 Cr642 Cr642 Cr642 Cr642 Cr642 Cr642 Cr642 Cr642 Cr642 Cr
Reserves1,777 Cr1,697 Cr1,424 Cr1,473 Cr1,477 Cr1,622 Cr1,800 Cr1,896 Cr2,112 Cr2,437 Cr
Borrowings7,571 Cr9,368 Cr10,918 Cr9,275 Cr9,174 Cr7,118 Cr5,122 Cr3,905 Cr2,861 Cr1,768 Cr
Other liabilities762 Cr1,185 Cr208 Cr252 Cr238 Cr135 Cr70 Cr81 Cr67 Cr108 Cr
Total liabilities10,752 Cr12,893 Cr13,193 Cr11,642 Cr11,532 Cr9,516 Cr7,634 Cr6,525 Cr5,683 Cr4,956 Cr
Fixed assets (net)14 Cr14 Cr12 Cr10 Cr9 Cr8 Cr30 Cr25 Cr22 Cr15 Cr
CWIP0.06 Cr0.06 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0.11 Cr
Investments114 Cr63 Cr96 Cr356 Cr373 Cr350 Cr91 Cr122 Cr268 Cr832 Cr
Loans & advances——0 Cr10,369 Cr9,961 Cr8,059 Cr6,847 Cr4,782 Cr4,186 Cr3,013 Cr
Trade receivables6 Cr6 Cr9 Cr4 Cr4 Cr1 Cr4 Cr0.62 Cr0.49 Cr0.82 Cr
Cash & bank35 Cr58 Cr32 Cr223 Cr489 Cr338 Cr26 Cr231 Cr763 Cr61 Cr
Other assets10,582 Cr12,752 Cr13,044 Cr680 Cr696 Cr760 Cr636 Cr1,364 Cr443 Cr1,035 Cr
Total assets10,752 Cr12,893 Cr13,193 Cr11,642 Cr11,532 Cr9,516 Cr7,634 Cr6,525 Cr5,683 Cr4,956 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-888 Cr-1,298 Cr236 Cr3,228 Cr1,311 Cr2,721 Cr1,887 Cr2,563 Cr1,139 Cr1,780 Cr
Cash from investing-5 Cr-13 Cr-0.25 Cr-386 Cr-162 Cr-154 Cr259 Cr-689 Cr776 Cr-1,165 Cr
Cash from financing904 Cr1,333 Cr-257 Cr-2,652 Cr-883 Cr-2,719 Cr-2,459 Cr-1,669 Cr-1,383 Cr-1,316 Cr
Net cash flow11 Cr22 Cr-21 Cr191 Cr266 Cr-151 Cr-312 Cr205 Cr532 Cr-701 Cr
Free cash flow (OCF − Capex)-894 Cr-1,311 Cr236 Cr3,228 Cr1,311 Cr2,720 Cr1,887 Cr2,562 Cr1,135 Cr1,780 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %14.3%1.1%8.9%5.2%1.2%5.7%7.2%6.3%7.9%10.4%
Debt / equity3.134.005.284.394.333.142.101.541.040.57