PTC India Financial Services financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹114cr−13.8% on Q2 FY26
Net interest income
₹54.3cr−24.9% on Q2 FY26
Net profit
₹44.0cr−50.0% on Q2 FY26
EPS
₹0.69−49.6% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income114132−13.8%
Net interest income54.372.3−24.9%
Net profit44.088.1−50.0%
EPS₹0.69₹1.37−49.6%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹114 crNet profit₹44.0 crNet interest margin4.6%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
1,531————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
461518638776797
—−18.8%−17.8%−2.6%—
220246302341335
—−18.6%−11.3%+1.8%—
4.6%4.6%5.0%4.8%3.9%
17.5%17.5%15.5%16.9%12.7%
−4.2%−4.2%−0.3%1.5%1.1%
179319217161176
—+47.1%+35.0%−8.6%—
₹2.78₹4.97₹3.38₹2.50₹2.74
—+47.1%+35.0%−8.6%—
11.0%11.0%8.2%6.5%7.5%
6.0%6.0%3.6%2.3%2.1%
Balance sheet
3,5793,0134,1864,7826,847
—−28.0%−12.5%−30.2%—
1,7681,7682,8613,9055,122
0.57×0.57×1.04×1.54×2.10×
1.61×1.61×2.06×2.57×3.13×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

PFS₹23.84

PTC India Financial Services Limited

· Banking & Finance
₹ CrorePeersARMANFINUGROCAPMUFINFINKURVECRESTCIFLLAXMIINDIAMANBAMcap ₹1,531 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————1,531.2
Total Income797.1776.3638.0518.3461.1
Growth %, YoY—-2.6-17.8-18.8—
Net Interest Income334.7340.6302.2246.1220.5
Growth %, YoY—+1.8-11.3-18.6—
NIM %, on assets3.904.814.954.634.63
Cost to Income %12.6616.9115.4717.4717.47
Credit Cost %, on avg loans1.081.51-0.25-4.20-4.20
Net Income175.8160.7217.1319.4178.9
Growth %, YoY—-8.6+35.0+47.1—
EPS, Adj (current shares)2.742.503.384.972.78
Growth %, YoY—-8.6+35.0+47.1—
ROE %7.476.458.2010.9510.95
ROA %2.052.273.566.006.00
Balance Sheet
Loans6,847.14,782.04,186.23,013.03,579.2
Growth %, YoY—-30.2-12.5-28.0—
Total Borrowings5,121.83,904.92,860.91,768.11,768.1
Debt/Equity ×2.101.541.040.570.57
Leverage (Assets/Equity) ×3.132.572.061.611.61
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

PTC India Financial Services financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

PTC India Financial Services (NSE: PFS) had a market capitalisation of ₹1,510 crore at the 29 October 2026 close (₹23.51 a share), a PE ratio of 8.4 on the last four quarters' profit and a price-to-book ratio of 0.48. In FY26 its consolidated net profit was ₹319 crore on revenue of ₹515 crore; in Q2 FY27 (July–September 2026) it was ₹44 crore, down 50.0% year on year. Promoters held 64.99% of the shares on 30 September 2026.

Share price used
₹23.51 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

PTC India Financial Services at a glance · consolidated

Market cap
₹1,510 Crat ₹23.51 · 29 Oct close
PE ratio (last 4 quarters)
8.44.7 on FY26 profit
Price to book (PB)
0.48book value ₹49.26 a share
ROE (FY26)
11.0%
Debt to equity
0.45net debt ₹1,025 Cr
Promoter holding
64.99%unchanged vs 30 Jun 202630 September 2026

Questions

What is the PTC India Financial Services PE ratio today?

PTC India Financial Services' PE ratio is 8.4 at the 29 October 2026 close (₹23.51 a share): a market capitalisation of ₹1,510 crore divided by consolidated net profit of ₹179 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹319 crore) it is 4.7.

What is the PTC India Financial Services debt to equity ratio?

PTC India Financial Services' debt-to-equity ratio was 0.45 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹1,421 crore against total equity of ₹3,164 crore. A year earlier, on 30 September 2025, it was 0.76.

What is the PTC India Financial Services book value per share?

PTC India Financial Services' book value per share was ₹49.26 on 30 September 2026: shareholders' equity of ₹3,164 crore divided by the 64.23 crore shares in issue, up 6.2% from ₹46.37 a year earlier. The share price at the 29 October 2026 close was ₹23.51.

What is the PTC India Financial Services PB ratio (price to book value)?

PTC India Financial Services' price-to-book (PB) ratio is 0.48 at the 29 October 2026 close: a market capitalisation of ₹1,510 crore divided by shareholders' equity (book value) of ₹3,164 crore on 30 September 2026. That is a book value of ₹49.26 per share against a share price of ₹23.51.

What is the PTC India Financial Services net worth?

PTC India Financial Services' net worth — shareholders' equity in its consolidated balance sheet — was ₹3,164 crore on 30 September 2026, up 6.2% from ₹2,978 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,510 crore at the 29 October 2026 close.

What are the PTC India Financial Services latest quarterly results?

PTC India Financial Services' latest results are for Q2 FY27 (July–September 2026), filed on 27 October 2026: consolidated net profit ₹44 crore, down 50.0% from ₹88.1 crore in Q2 FY26; revenue from operations ₹110 crore, down 16.4% year on year.

What is the PTC India Financial Services market cap?

PTC India Financial Services' market capitalisation was ₹1,510 crore at the 29 October 2026 close: 64.23 crore shares at ₹23.51 each.

What is the PTC India Financial Services ROE?

In FY26, PTC India Financial Services' return on equity (ROE) was 11.0%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the PTC India Financial Services EPS?

PTC India Financial Services' basic earnings per share (EPS) were ₹4.97 in FY26, against ₹3.38 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹2.79.

What is the PTC India Financial Services promoter holding?

Promoters held 64.99% of PTC India Financial Services on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

What is the PTC India Financial Services revenue and profit in FY26?

In FY26 (April 2025–March 2026), PTC India Financial Services' consolidated net profit was ₹319 crore, up 47.1% from ₹217 crore in FY25, on revenue from operations of ₹515 crore (down 18.8%). Over three years, from FY23, net profit was up 81.7%.

When are the PTC India Financial Services next results?

PTC India Financial Services has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

What is the PTC India Financial Services shareholding pattern?

On 30 September 2026, PTC India Financial Services' shares were held by promoters 64.99%, foreign portfolio investors (FII/FPI) 1.56%, domestic institutions (DII) 5.07% (including mutual funds at 3.63%) and retail and other non-institutional investors 28.37%. Over the year, FII holding was down 0.63 percentage points from 2.19% and DII holding was up 0.01 percentage points from 5.06%.

How does PTC India Financial Services compare with its peers?

On FY26 consolidated figures, against Arman Financial Services, Ugro Capital and Mufin Green Finance: PTC India Financial Services' return on equity of 11.0% is the highest of the four (Arman Financial Services 6.3%, Ugro Capital 7.1%, Mufin Green Finance 6.7%; peer average 6.7%).

PTC India Financial Services vs Arman Financial Services: how do they compare?

In FY26, PTC India Financial Services earned net profit of ₹319 crore on revenue of ₹515 crore, against ₹56.6 crore on ₹646 crore for Arman Financial Services. At the 29 October 2026 close, PTC India Financial Services' market capitalisation was ₹1,510 crore against ₹1,490 crore for Arman Financial Services, and its PE ratio on FY26 profit 4.7 against 26.3.

How does the PTC India Financial Services PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit, PTC India Financial Services' PE ratio is 4.7, the lowest of the four: Arman Financial Services 26.3, Ugro Capital 6.3 and Mufin Green Finance 93.1, a peer average of 41.9. Each is the company's market capitalisation at that price divided by its FY26 net profit.

Where do these PTC India Financial Services figures come from?

From PTC India Financial Services' own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.