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Earnings Call

PTC India Financial Services Earnings Call: Key Takeaways

PFS reported FY26 PAT of ₹319 Cr (+47% YoY) with Total Income at ₹518 Cr. Strategy shifted towards private sector lending and granular infrastructure segments.

Highlights
MarginsNIM improved to 4.49% for FY26 from 4.25% in FY25.
Order bookSanctions at 3-year high of ₹3,448 Cr in FY26.
Demand visibilityStrong: Over 90% of fresh proposals sourced from private sector.
Management confidenceHigh: Transitioned 73% of Gross Stage III book out in FY26.

Growth

FY26 PAT grew 47% YoY; disbursements reached a 3-year high of ₹1,235 Cr; AUM stands at ₹3,292 Cr.

Outlook

FY27 focus on granular, risk-optimized portfolios, sunshine infrastructure, and project financing while diversifying resources and maintaining liquidity.

Risks

Credit rating remains at CRISIL A (Negative); high concentration in renewable and distribution sectors (55% of AUM).

Source

Earnings Call filed with NSE, NSE: PFS. Summary written with AI assistance from the document.

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PTC India Financial Services Ltd: key numbers

Share price
₹25.93
Market cap
₹1,665 Cr
Revenue (annual)
₹514.6 Cr
Net profit (annual)
₹319.4 Cr
P/E (TTM)
9.3×Sector 20.8×
Promoter holding
64.99%+0.00% QoQ
FII holding
1.56%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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