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PTC India Financial Services Limited (PFS) AI Stock Analysis
PTC India Financial Services Limited
(NSE:PFS)
The score is primarily driven by improved profitability and significantly reduced leverage, but is held back by weak cash-flow performance and a multi-year revenue contraction. Technically, the stock shows a weak trend (below major moving averages with negative MACD), while the low P/E provides some valuation support.
PTC India Financial Services Limited (PFS) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 15.10B
- Dividend Yield
- ―
- Average Volume (3M)
- 62.81K
- Price to Earnings (P/E)
- 8.4
- Beta (1Y)
- 1.46
- Revenue Growth
- -21.30%
- EPS Growth
- -48.91%
- Country
- India
- Employees
- 46
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
PTC India Financial Services Limited Business Overview & Revenue Model
Company Description
Operating as a non-banking financial company, PTC India Financial Services Limited delivers a diverse array of funding solutions. The firm offers both fund-based and non-fund-based financial assistance through various debt and structured debt instrum...
How the Company Makes Money
PFS generates earnings mainly through a lending-and-fee NBFC model. (1) Interest income on loans: The core revenue stream is interest earned on its loan book, which typically includes term loans and other credit facilities provided to entities across...
PTC India Financial Services Limited Financial Statement Overview
Summary
Profitability improved meaningfully and leverage is much healthier (debt-to-equity down to ~0.57x). However, the multi-year revenue decline and a sharp FY2026 drop in operating/free cash flow weaken confidence in earnings quality and sustainability.
Income Statement
72PositiveBalance Sheet
74PositiveCash Flow
45Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Sep 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.02B | 5.18B | 5.54B | 7.04B | 7.49B | 9.28B |
| Gross Profit | 2.15B | 5.11B | 2.17B | 2.76B | 2.98B | 3.34B |
| EBITDA | 3.71B | 3.97B | 2.87B | 2.24B | 2.39B | 1.81B |
| Net Income | 3.50B | 3.19B | 2.17B | 1.61B | 1.76B | 1.30B |
Balance Sheet | ||||||
| Total Assets | 53.51B | 49.56B | 56.83B | 65.25B | 76.34B | 95.16B |
| Cash, Cash Equivalents and Short-Term Investments | 9.88B | 10.42B | 12.97B | 15.05B | 5.90B | 11.76B |
| Total Debt | 22.77B | 17.68B | 28.61B | 39.26B | 51.22B | 71.21B |
| Total Liabilities | 23.73B | 18.77B | 29.28B | 39.86B | 51.92B | 72.52B |
| Stockholders Equity | 29.78B | 30.80B | 27.54B | 25.39B | 24.43B | 22.64B |
Cash Flow | ||||||
| Free Cash Flow | 11.66B | 2.20B | 11.36B | 25.62B | 18.87B | 27.20B |
| Operating Cash Flow | 11.66B | 2.20B | 11.39B | 25.63B | 18.87B | 27.21B |
| Investing Cash Flow | -10.83B | 1.70B | 7.76B | -6.89B | 2.59B | -1.54B |
| Financing Cash Flow | -7.22B | -10.91B | -13.83B | -16.69B | -24.59B | -27.19B |
PTC India Financial Services Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PFS, the sentiment is Negative. The current price of 23.45 is below the 20-day moving average (MA) of 25.96, below the 50-day MA of 26.70, and below the 200-day MA of 29.44, indicating a bearish trend. The MACD of -0.89 indicates Positive momentum. The RSI at 30.56 is Neutral, neither overbought nor oversold. The STOCH value of 5.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:PFS.
PTC India Financial Services Limited Peers Comparison
Overall Rating
IN:RECLTD84Outperform
IN:LTF72Outperform
IN:PFC67Neutral
IN:IREDA63Neutral
IN:IFCI62Neutral- IN:PFS61Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:RECLTD | 84Outperform | INR 750.47B | 4.99 | ― | 5.99% | -2.74% | -12.39% |
| IN:LTF | 72Outperform | INR 612.82B | 17.89 | ― | 1.12% | 17.30% | 26.39% |
| IN:PFC | 67Neutral | INR 1.04T | 3.97 | ― | 5.97% | 3.53% | 7.13% |
| IN:IREDA | 63Neutral | INR 279.80B | 14.17 | ― | 1.36% | 16.69% | 10.98% |
| IN:IFCI | 62Neutral | INR 147.24B | 85.42 | ― | ― | -2.70% | -45.62% |
| IN:PFS | 61Neutral | INR 15.06B | 8.43 | ― | ― | -21.30% | -48.91% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:PFS | PTC India Financial Services Limited | 23.45 | -13.26 | -36.12% | |
| IN:IFCI | IFCI Limited | 54.65 | -2.69 | -4.69% | |
| IN:IREDA | Indian Renewable Energy Development Agency Ltd. | 99.60 | -51.83 | -34.23% | |
| IN:LTF | L&T Finance Ltd | 244.50 | -32.40 | -11.70% | |
| IN:PFC | Power Finance Corporation Limited | 314.00 | -70.47 | -18.33% | |
| IN:RECLTD | REC Limited | 285.00 | -76.07 | -21.07% |
PTC India Financial Services Limited Corporate Events
PTC India Financial Services clears limited review of September-quarter results
PTC India Financial Services Limited’s board has approved unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2026, at a meeting held on October 27, 2026. The company also submitted its secu...
PTC India Financial Services Extends Key Tenures, Names Nodal Officer for Investment Review
PTC India Financial Services Limited’s board has approved a one-year extension of the additional charge tenure of MD&CEO Rajiv Malhotra from December 1, 2026 to November 30, 2027, subject to shareholder approval, maintaining leadership cont...
PTC India Financial Services Extends Key Leadership Tenures Amid Investment Monetization Review
PTC India Financial Services Limited’s board has extended the tenure of Managing Director and CEO (additional charge) Rajiv Malhotra for one year from December 1, 2026, to November 30, 2027, subject to shareholder approval, and confirmed that h...
PTC India Financial Services Sets Virtual AGM for September 24, 2026
PTC India Financial Services Limited has scheduled its 20th Annual General Meeting for September 24, 2026, to be conducted via video conferencing and other audio-visual means in line with Ministry of Corporate Affairs and SEBI guidelines.Shareholders...
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.
Date of analysis: Aug 09, 2026