ALFA Finder| Margins | NIM decreased to 4.46%; Spread at 0.88%. |
|---|---|
| Order book | Loan assets at ₹2,946 Cr; Disbursements of ₹117 Cr in Q1. |
| Demand visibility | Strong focus on renewable and sustainable infrastructure projects. |
| Management confidence | High |
Growth
Loan assets decreased YoY from ₹4,313 Cr (Q1 FY26) to ₹2,946 Cr. PAT fell significantly from ₹136.63 Cr YoY.
Outlook
Focusing on sustainable infrastructure, including water treatment and E-mobility. Strategy involves deepening sector specialization and broadening funding sources.
Risks
CRISIL reaffirmed rating at 'Negative' outlook. Net Interest Margin (NIM) compressed to 4.46% from 4.63% YoY.
Last quarter's promises, checked
Delivered
- Target Gross Stage III reduction → delivered ₹190 Cr (73% reduction) (= BEAT)
- Target 75% provision coverage ratio → delivered 75% (= BEAT)
- Target increased disbursements YoY → delivered ₹1,235 Cr vs ₹916 Cr (= BEAT)
Missed
- Guided ₹1,500 Cr Q4 disbursements → delivered ₹162 Cr (= MISS)
- Guided yearly loan asset growth → delivered ₹2,946 Cr vs ₹4,313 Cr YoY (= MISS)
Investor Presentation filed with BSE, NSE: PFS. Summary written with AI assistance from the document.
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.
More from PTC India Financial Services Ltd
All →PTC India Financial Services Other Announcement
PTC India Financial Services Ltd has announced a change in the corporate office address of its Registrar and Share Transfer Agent, KFin Technologies Limited. The office will move to Kokapet, Telangana, effective December 1, 2026.
PTC India Financial Services Earnings Call Transcript: Key Takeaways
PFS returns to growth after 10 quarters of contraction, hitting multi-year highs in sanctions.
PTC India Financial Services Results Update
PTC India Financial Services released Q2 and H1 FY27 highlights showing loan sanctions and disbursements at multi-year highs, but lower total income and sharply reduced return ratios. The press release carries no full results statement.
PTC India Financial Services Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹44 Cr (down 50% YoY) on total income ₹114 Cr; loan assets flat at ₹3,684 Cr; sanctions at an 8-year high.
PTC India Financial Services Q2 FY27 Results: Net Profit ₹44 Cr, Down 50.1% YoY
PTC India Financial Services Ltd reported revenue from operations of ₹110.2 Cr (-16.4% YoY) and net profit of ₹44 Cr (-50.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹44 Cr · -50.1% YoY
PTC India Financial Services Annual General Meeting
PTC India Financial Services issued a Postal Ballot Notice seeking member approval to extend Shri Rajiv Malhotra's tenure as MD & CEO (Additional Charge) by one year from December 2026. The extension carries no remuneration and will be voted via remote e-voting.