PTC India Financial Services profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	11.0%	11.0%	8.2%	6.5%	7.5%
	6.0%	6.0%	3.6%	2.3%	2.1%
	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%
	39.4%	62.1%	34.3%	21.1%	22.2%
Leverage
	1.61×	1.61×	2.06×	2.57×	3.13×
	0.57×	0.57×	1.04×	1.54×	2.10×
Additional
	9.2%	18.1%	22.1%	25.6%	24.3%
	—	0.0%	0.0%	40.0%	0.0%

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

alphave

PFS₹23.84

PTC India Financial Services Limited

· Banking & Finance

₹ CrorePeersARMANFIN UGROCAP MUFIN FINKURVE CREST CIFL LAXMIINDIA MANBAMcap ₹1,531 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	7.47	6.45	8.20	10.95	10.95
Return on Assets	2.05	2.27	3.56	6.00	6.00
Margins & Efficiency
Net Interest Margin (on avg assets)	3.90	4.81	4.95	4.63	4.63
Cost to Income	12.66	16.91	15.47	17.47	17.47
Credit Cost (impairment / avg loans)	1.08	1.51	-0.25	-4.20	-4.20
Net Income Margin	22.23	21.13	34.27	62.06	39.37
Leverage
Leverage (Assets/Equity)	3.13	2.57	2.06	1.61	1.61
Total Debt/Equity	2.10	1.54	1.04	0.57	0.57
Additional
Effective Tax Rate	24.34	25.57	22.07	18.05	9.22
Dvd Payout Ratio	0.00	39.96	0.00	0.00	—

No consensus estimates → no Est columns. Click any row to chart it.

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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%.