PTC India FIN Serv Ltd

NSE: PFS · Non Banking Financial Company (NBFC) · sector

₹24.39NSE close 2026-10-26

Key numbers

Market cap₹1,567 cr

Price₹24.39

52w high / low₹40 / ₹24

P/E7.0xSector median 13.8x

P/B0.5xSector median 1.1x

Book value₹48.0

Dividend yield–Sector median 0.61%

ROE7.6%Sector median 3.6%

ROA4.50%Sector median 1.94%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y-13.3%Sector median +24.6%

Profit growth 3y+22.0%Sector median +28.6%

PEG0.32x

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

No promoter shares are pledged.
Total income was higher than a year earlier in 0 of the last 4 quarters.
Dividend paid in 1 of the last 5 financial years.
Price ₹24.39 on 2026-10-26: -39.8% from the 52-week high, +2.3% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹51.14 · low ₹24.39

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	163	158	151	142	132	122	119	103
Net interest income	163	158	151	142	132	122	119	103
Other income	0	0	5	0	0	3	0	0
Net profit	47	67	58	137	88	49	46	40
EPS (₹)	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63
Revenue YoY					-19.3%	-23.0%	-21.0%	-27.2%
Profit YoY					+86.2%	-26.9%	-21.8%	-70.5%

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	953	791	761	633	515	476
Net profit	130	176	161	217	319	223
EPS (₹)	2.02	2.74	2.50	3.38	4.97	3.47
Revenue growth		-17.0%	-3.8%	-16.7%	-18.8%	-22.5%
Profit growth		+35.3%	-8.6%	+35.0%	+47.1%	-27.9%
Dividend / share (₹)	–	–	1.00	–	–

Compounded growth	3 years	5 years	Last 12 months
Sales	-13.3%	-14.6%	-22.5%
Net profit	+22.0%	+65.7%	-27.9%
EPS	+22.0%	+65.5%	–
Share price	–	-25.7% (2y)	-25.5%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	2,264	2,443	2,539	2,754	3,080
Borrowings	6,991	5,041	3,824	2,764	1,749
Cash & equivalents	957	590	1,505	1,112	1,042
Total assets	9,516	7,634	6,525	5,683	4,956
Fixed assets	8	30	25	22	15
Capital work in progress	0	0	0	0	–
Inventory	0	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	2,721	1,887	2,563	1,139	1,780
Cash from investing	-154	259	-689	776	-1,165
Cash from financing	-2,719	-2,459	-1,669	-1,383	-1,316
Capex	2	1	1	4	0
Free cash flow	2,720	1,887	2,562	1,135	1,780

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	5.7%	7.2%	6.3%	7.9%	10.4%

Shareholding

Holder	% (2026-09-30)
Promoters	64.99%
FIIs	1.56%
DIIs	5.07%
of which Mutual funds	3.63%
of which Insurance	1.41%
Government	0.00%
Public (non-institutions)	28.37%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%	64.99%

Promoter group	%
PTC India Limited	64.99%

Public holders above 1%	%
Bandhan Large & MID CAP Fund	3.63%
Life Insurance Corporation of India	1.41%

1,29,717 shareholders. Pledged: 0.00% of promoter shares.

Peers in Non Banking Financial Company (NBFC)

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
BAJFINANCE	₹5,71,790 cr	28.1x	5.2x	19.9%	4.14%	–	+25.1%	0.60%
SHRIRAMFIN	₹1,55,223 cr	14.6x	2.4x	18.5%	3.51%	–	+17.4%	0.94%
TATACAP	₹1,27,155 cr	34.6x	3.3x	9.3%	1.76%	–	–	0.14%
CHOLAFIN	₹1,23,499 cr	21.4x	4.1x	21.2%	2.34%	–	+34.4%	0.14%
MUTHOOTFIN	₹96,184 cr	9.1x	2.5x	32.1%	5.91%	–	+37.9%	1.08%
LTF	₹60,381 cr	17.1x	2.1x	12.8%	2.25%	–	+273.2%	1.14%
SBICARD	₹51,225 cr	22.5x	3.3x	15.4%	3.43%	–	+13.3%	0.42%
PIRAMALFIN	₹44,923 cr	21.9x	1.4x	6.3%	1.66%	–	–	0.55%
SUNDARMFIN	₹43,352 cr	22.5x	3.4x	16.2%	2.82%	–	+23.8%	0.95%
PFS	₹1,567 cr	7.0x	0.5x	7.6%	4.50%	–	-13.3%	–

All 250 companies in Non Banking Financial Company (NBFC) →

Dividends & corporate actions

Ex-date	Action	Detail
2023-09-05	Dividend	Dividend - Re 1 Per Share
2020-09-14	Dividend	Annual General Meeting/Dividend - Rs 0.45 Per Share
2019-09-20	Dividend	Annual General Meeting/Dividend - Rs 0.8 Per Share
2018-08-29	Dividend	Annual General Meeting/Dividend Re 0.20 Per Share
2017-09-13	Dividend	Annual General Meeting/Dividend - Rs 1.50 Per Share
2016-09-14	Dividend	Annual General Meeting/Dividend - Rs 1.20 Per Share
2015-09-16	Dividend	Annual General Meeting / Dividend Re 1/- Per Share
2014-09-18	Dividend	Annual General Meeting / Dividend - Re 1/- Per Share
2013-08-07	Dividend	Annual General Meeting / Dividend - Re 0.40/- Per Share
2012-09-06	Other	Annual General Meeting
2011-09-15	Other	Annual General Meeting

Documents

Links go to the original files on the exchange website.

About the company

NBFC: Infrastructure financing


Sector	Financial Services
Industry	Non Banking Financial Company (NBFC)
Sub-industry	Non Banking Financial Company (NBFC)
Symbol	PFS
BSE code	533344
ISIN	INE560K01014
Face value	₹10.0
Incorporated	2006-09-08
Website	https://ptcfinancial.com
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.