Flash Finance

PTC India Financial Services LimitedPFSBank / NBFC

Finance & Investments Latest results: Jun 2026 14 quarters of data
Consolidated Standalone
₹27.31
MCap ₹1,754 Cr · P/E 7.9
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹103 Cr
Interest Earned · Jun 2026
-27.2% YoY
₹54 Cr
Operating Profit · Jun 2026
₹40 Cr
Net Profit · Jun 2026
-70.6% YoY
₹0.63
EPS · Jun 2026
-70.4% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 PTC India Financial Services Limited — results explained

Quarter ended June 2026 (Q1 FY27)

PTC India Financial Services Limited reported total income of ₹103 crore for the quarter ended June 2026 (Q1 FY27), down 27.2% from ₹142 crore in the same quarter last year, and down 13.2% sequentially over the March 2026 quarter.

Net profit fell 70.6% year-on-year to ₹40 crore, from ₹137 crore. Earnings per share (EPS) came in at ₹0.63.

Full year and trailing twelve months

For the full year FY26, PTC India Financial Services Limited posted total income of ₹516 crore, a decline of 19.4% over FY25, with a net profit of ₹320 crore (up 48.1% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹477 crore with a net profit of ₹223 crore.

Valuation snapshot

At the current price of ₹27.31, PFS has a market capitalisation of ₹1,754 crore and a trailing P/E of about 7.9.

Within the Finance & Investments industry, it is the 25th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Sep 2026, foreign institutional investors (FIIs) 1.56%, domestic institutional investors (DIIs) 5.07%, promoters held 64.99%, public shareholders 28.37% of PTC India Financial Services Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹1,754 Cr
Current Price ?
₹27.3
P/E ?
7.86below ind
Industry P/E ?
18.90
P/B ?
0.57
P/S ?
3.67
P/FCF ?
0.99
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.36
Earnings Yield ?
12.7%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹477 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹223 Cr
EPS (TTM) ?
₹3.48
ROCE ?
N/A
ROE ?
7.3%
ROA ?
4.5%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹103 Cr
PAT — latest qtr ?
₹40 Cr
YoY qtr sales growth ?
-27.2%
YoY qtr profit growth ?
-70.6%
Sales growth (3y) ?
-14%
Sales growth (5y) ?
-15%
Profit growth (3y) ?
22%
Profit growth (5y) ?
66%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
64.99%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-8.3%
Return 6 months ?
-14.5%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 194190190204176161163158153142132122119103 -27.2% -13.2%
Other Income 63120000050010— — —
Total Income 200193202204176161163158158142132123119103 -27.2% -13.2%
Interest Expended 10510810710392888378726558584438 -40.8% -12.5%
Operating Profit —————————————54 — —
Provisions —————————————— — —
Profit Before Tax 454980671959638175146118646254 -62.8% -12.5%
Net Profit 36376050144447675813788494640 -70.6% -12.5%
EPS 0.570.570.930.780.220.690.741.050.912.131.370.760.710.63 -70.4% -11.3%
Gross NPA % — — — — — — — — — — — — — — — —
Net NPA % — — — — — — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹635 Cr ₹515 Cr ₹476 Cr -18.9%
Other Income ₹5 Cr ₹1 Cr ₹1 Cr -80.0%
Total Income ₹640 Cr ₹516 Cr ₹477 Cr -19.4%
Interest Expended ₹321 Cr ₹225 Cr ₹198 Cr -29.9%
Net Interest Income ₹314 Cr ₹290 Cr ₹278 Cr -7.6%
Operating Profit — — ₹54 Cr —
Provisions — — — —
Profit Before Tax ₹278 Cr ₹390 Cr ₹298 Cr +40.3%
Tax — — ₹14 Cr —
Net Profit ₹216 Cr ₹320 Cr ₹223 Cr +48.1%
EPS ₹3.39 ₹4.97 ₹3.47 +46.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 642642642642 +0.0%
Reserves 1,8001,8962,1122,437 +15.4%
Borrowing 5,1223,9262,8611,768 -38.2%
Other Liabilities 706167108 +61.2%
Total Liabilities 7,6346,5255,6834,956 -12.8%
Fixed Assets 30252316 -30.4%
CWIP 0000 —
Investments 91122268832 +210.4%
Other Assets 7,5136,3775,3914,109 -23.8%
Total Assets 7,6346,5255,6834,956 -12.8%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 1,8872,5631,1391,780 +56.3%
Cash from Investing Activity 259-689776-1,165 -250.1%
Cash from Financing Activity -2,459-1,669-1,383-1,316 +4.8%
Net Cash Flow -312205532-701 -231.8%
Free Cash Flow 1,8872,5621,1351,780 +56.8%
CFO/OP 282%427%199%286% +43.7%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 7%6%8%11% +37.5%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
FIIs 2.22%2.19%2.17%2.12%1.56% -26.4%
DIIs 5.08%5.06%5.06%5.05%5.07% +0.4%
Promoters 64.99%64.99%64.99%64.99%64.99% +0.0%
Public 27.71%27.75%27.78%27.83%28.37% +1.9%
No. of Shareholders 1,41,3961,37,7741,38,2731,34,4751,29,717 -3.5%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 LICI Life Insurance ₹398.20 503,723 8.4 881,845 60,055 -7.5% 6.8% 10.0% 18.9% -43.2% 24.0%
2 SBILIFE SBI Life ₹1,671.70 167,740 67.9 112,315 2,471 0.7% 2.2% -3.9% 2.4% -82.4% -1.1%
3 ICICIGI ICICI Lombard ₹1,508.90 75,386 29.5 27,196 2,556 5.4% 9.4% 12.7% 10.6% -3.2% 15.4%
4 ICICIPRULI ICICI Prudential ₹496.90 72,089 44.8 63,356 1,608 0.3% 2.5% -10.5% 35.7% -79.7% 62.1%
5 GICRE General Insurance ₹337.75 59,255 6.7 51,723 8,877 16.9% 17.2% 6.8% 30.0% -8.6% -31.1%
6 MFSL Max Financial ₹1,585.90 54,444 492.4 49,823 137 0.5% 0.3% 2.6% -73.9% 16.7% 37.5%
7 STARHEALTH Star Health ₹555.55 32,689 38.7 18,509 844 4.4% 4.6% 10.7% -13.8% 16.2% 109.0%
8 NIACL New India ₹171.56 28,273 36.7 49,363 771 -1.3% 1.6% 14.3% 36.4% -3.6% -160.7%
9 GODIGIT Go Digit ₹250.90 23,196 47.1 10,128 492 0.7% 4.9% 6.8% 28.0% 5.5% -37.4%
10 FIVESTAR Five-Star Business ₹549.40 16,218 14.7 3,293 1,103 11.0% 33.5% 13.3% 2.3% 5.9% 2.0%
11 NIVABUPA Niva Bupa ₹74.77 13,830 38.1 7,598 360 4.2% 4.7% 24.6% -38.5% 65.8% 251.4%
12 PRUDENT Prudent Corporate ₹3,123.30 12,933 52.8 1,372 246 24.2% 17.9% 19.5% 13.8% 18.2% 43.8%
13 EDELWEISS Edelweiss Financial ₹126.74 11,996 17.1 10,508 711 27.5% 6.8% 12.5% 27.1% 3.7% 30.5%
14 IIFLCAPS IIFL Capital ₹344.80 10,867 18.8 2,433 572 35.0% 23.5% 0.6% -20.8% 2.3% 4.6%
15 SBFC SBFC Finance ₹87.70 9,745 20.1 1,783 480 9.8% 26.9% 28.6% 30.7% 26.7% 28.8%
16 RELIGARE Religare Enterprises ₹223.35 7,700 n/m 8,953 18 0.7% 0.2% 14.8% -60.3% 26.5% -687.3%
17 PAISALO Paisalo Digital ₹76.83 7,023 29.4 943 237 0.0% 25.1% 22.0% 19.1% 33.8% 56.5%
18 FEDFINA Fedbank Financial ₹150.76 5,655 12.9 2,563 434 12.9% 16.9% 7.1% 52.2% 34.3% 63.4%
19 MASFIN MAS Financial ₹288.85 5,241 13.3 2,092 398 7.1% 19.0% 24.8% 19.4% 20.3% 26.6%
20 NORTHARC Northern Arc ₹301.00 4,865 12.0 2,705 404 0.0% 14.9% 14.8% 34.2% 22.7% 250.0%
21 PILANIINVS Pilani Investment ₹4,020.00 4,451 — 248 -12 87.1% -4.9% -6.4% -68.5% -70.9% -1075.5%
22 SHAREINDIA Share India ₹183.78 4,022 11.1 1,577 364 40.1% 23.1% 1.5% -1.2% 31.4% 48.1%
23 KIRLOSIND Kirloskar Industries ₹3,690.00 3,878 50.6 113 76 71.5% 67.0% 9.0% -2.1% -27.9% -9.4%
24 INDOSTAR IndoStar Capital ₹239.15 3,866 — 1,417 -395 6.6% -27.8% 74.4% 15.7% -76.0% -97.9%
25 PFS PTC India ₹26.57 1,707 7.7 477 223 11.4% 46.8% -19.4% 48.1% -27.2% -70.6%
❓ Frequently asked questions
What was PTC India Financial Services Limited's total income in Q1 FY27?
PTC India Financial Services Limited reported total income of ₹103 crore for the quarter ended June 2026 (Q1 FY27), down 27.2% from ₹142 crore in the same quarter last year, and down 13.2% sequentially over the March 2026 quarter.
What was PTC India Financial Services Limited's net profit in Q1 FY27?
Net profit fell 70.6% year-on-year to ₹40 crore, from ₹137 crore. Earnings per share (EPS) came in at ₹0.63.
What is PFS's market capitalisation and P/E ratio?
At the current price of ₹27.31, PFS has a market capitalisation of ₹1,754 crore and a trailing P/E of about 7.9.
Who owns PTC India Financial Services Limited? (shareholding pattern)
As of Sep 2026, foreign institutional investors (FIIs) 1.56%, domestic institutional investors (DIIs) 5.07%, promoters held 64.99%, public shareholders 28.37% of PTC India Financial Services Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI