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Power Finance Corporation Limited
(PFC)
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Rating:65Neutral
Price Target:
₹415.00
▲(10.40% Upside)
Action:Reiterated
Date:08/11/26
The score is supported primarily by attractive valuation (very low P/E and a meaningful dividend yield) and solid profitability trends. Offsetting this are key financial risks from high leverage and historically volatile cash flows, plus weak technical trend signals with the stock trading below major moving averages.
Positive Factors
Revenue & Margin Improvement
Sustained revenue growth and materially higher net margins indicate durable demand and improved underwriting or cost control. Over 2–6 months this supports persistent core earnings from lending, reducing dependency on one-off items and strengthening the predictability of interest-income driven profitability.
Negative Factors
Very High Leverage
Elevated leverage materially increases refinancing and credit-cycle vulnerability for a credit institution. High debt levels constrain financial flexibility, amplify sensitivity to funding-cost moves and reduce the margin for error if asset quality weakens over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Improvement
Sustained revenue growth and materially higher net margins indicate durable demand and improved underwriting or cost control. Over 2–6 months this supports persistent core earnings from lending, reducing dependency on one-off items and strengthening the predictability of interest-income driven profitability.
Read all positive factors
Power Finance Corporation Limited (PFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.20T
Dividend Yield5.27%
Average Volume (3M)186.17K
Price to Earnings (P/E)4.5
Beta (1Y)1.29
Revenue Growth3.53%
EPS Growth7.13%
CountryIN
Employees552
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)78.93
Shares Outstanding3,300,101,800
10 Day Avg. Volume259,974
30 Day Avg. Volume186,168
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)0.94
Price to Sales (P/S)1.11
P/FCF Ratio2.27
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)59.34
Revenue Forecast (FY)₹260.41B
Power Finance Corporation Limited Business Overview & Revenue Model
Company Description
Power Finance Corporation Limited (PFC), an Indian non-banking financial institution, dedicates its services to the nation's power sector, providing a comprehensive range of financial products, advisory support, and related solutions. The company'...
How the Company Makes Money
PFC makes money primarily through interest-based lending and related financial services to the power sector. Its core revenue model is to raise funds (e.g., via bonds/market borrowings and other funding sources) and deploy them as loans and other ...
Power Finance Corporation Limited Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
56
Neutral
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.13T | 1.13T | 1.06T | 915.34B | 745.34B | 749.46B |
| Gross Profit | 429.71B | 428.02B | 416.78B | 335.66B | 275.17B | 302.37B |
| EBITDA | 602.28B | 429.13B | 386.88B | 336.42B | 265.48B | 234.17B |
| Net Income | 260.47B | 259.01B | 229.91B | 197.61B | 158.89B | 140.15B |
Balance Sheet | ||||||
| Total Assets | 12.46T | 12.45T | 11.78T | 10.39T | 8.96T | 7.91T |
| Cash, Cash Equivalents and Short-Term Investments | 69.87B | 46.73B | 95.85B | 33.89B | 1.28B | 9.14B |
| Total Debt | 0.00 | 10.13T | 9.72T | 8.62T | 7.51T | 6.60T |
| Total Liabilities | 10.59T | 10.71T | 10.23T | 9.05T | 7.84T | 6.95T |
| Stockholders Equity | 1.43T | 1.33T | 1.18T | 1.01T | 841.58B | 716.76B |
Cash Flow | ||||||
| Free Cash Flow | 57.10B | 550.63B | -931.10B | -981.44B | -748.40B | 46.03B |
| Operating Cash Flow | 59.72B | 554.00B | -922.69B | -978.20B | -747.17B | 49.04B |
| Investing Cash Flow | -16.63B | -633.46B | -23.12B | -34.09B | -16.94B | -5.47B |
| Financing Cash Flow | 57.41B | 92.65B | 942.58B | 1.01T | 755.37B | -83.71B |
Power Finance Corporation Limited Technical Analysis
Negative
375.90
Price Trends
404.85
Negative
420.52
Negative
396.07
Negative
Market Momentum
-13.01
Positive
27.48
Positive
19.80
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFC, the sentiment is Negative. The current price of 375.9 is below the 20-day moving average (MA) of 389.27, below the 50-day MA of 404.85, and below the 200-day MA of 396.07, indicating a bearish trend. The MACD of -13.01 indicates Positive momentum. The RSI at 27.48 is Positive, neither overbought nor oversold. The STOCH value of 19.80 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:PFC.
Power Finance Corporation Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹332.19B | 16.77 | ― | 0.50% | 19.93% | 20.73% | |
65 Neutral | ₹1.20T | 4.51 | ― | 4.62% | 3.53% | 7.13% | |
62 Neutral | ₹851.85B | 5.28 | ― | 5.42% | 0.21% | -4.87% | |
61 Neutral | ₹17.77B | 7.85 | ― | ― | -22.40% | -27.91% | |
57 Neutral | ₹374.86B | 8.59 | ― | 2.92% | 21.01% | 52.98% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹1.12T | 15.39 | ― | 2.40% | 5.50% | 7.79% |
* General Sector Average
IN:PFC
Power Finance Corporation Limited
355.90
-8.03
-2.21%
IN:HUDCO
Housing & Urban Development Corp. Ltd.
182.35
-15.29
-7.74%
IN:IREDA
Indian Renewable Energy Development Agency Ltd.
117.00
-24.05
-17.05%
IN:IRFC
Indian Railway Finance Corp. Ltd.
84.65
-31.72
-27.26%
IN:PFS
PTC India Financial Services Limited
27.33
-10.85
-28.42%
IN:RECLTD
REC Limited
321.00
-16.56
-4.91%
Power Finance Corporation Limited Corporate Events
Power Finance Corporation sets 40th AGM for August 31, 2026, and releases FY 2025-26 Annual Report digitally
Aug 9, 2026
Power Finance Corporation Limited has scheduled its 40th Annual General Meeting for August 31, 2026, to be conducted via video conferencing and other audio-visual means, reflecting continued reliance on digital formats for shareholder engagement. ...
PFC Board Clears Merger Scheme to Absorb REC Limited
Jun 28, 2026
Power Finance Corporation’s board has approved a merger by absorption of REC Limited into PFC, following recommendations from the audit committee and independent directors’ committee, under the provisions of the Companies Act and relev...
Power Finance Corporation Sets Record Date for FY 2025-26 Final Dividend
Jun 24, 2026
Power Finance Corporation Limited has announced that it will determine shareholders’ eligibility for a proposed final dividend for the financial year 2025-26 based on a record date of July 31, 2026. The final dividend of ₹3.95 per equi...
Power Finance Corporation appoints Pankaj Gupta as part-time Non-Official Director
Jun 22, 2026
Power Finance Corporation Limited has announced the appointment of chartered accountant Pankaj Gupta as a part-time Non-Official Director on its board, effective from June 22, 2026. His appointment, made by the Ministry of Power under the company&...
Government Confirms No Encumbrance on Power Finance Corporation Promoter Shares for FY 2025-26
Jun 10, 2026
The Government of India, acting through the Ministry of Power as promoter of Power Finance Corporation Limited, has disclosed that it has not created any encumbrance, directly or indirectly, on its shareholding in the company for the financial yea...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.