PTC India Financial Services Ltd.

NSE: PFS  SECTOR: Finance - NBFC

19.1
+0.25 (1.33%)

Price Summary

Today's High

₹ 19.9

Today's Low

₹ 18.8

52 Week High

₹ 24.3

52 Week Low

₹ 8.35

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

1226.76116985 Cr.

Advances

10368.2564 Cr.

No. of Shares

64.2283335 Cr.

P/E

14.21

P/B

0.56

Face Value

₹ 10

Div. Yield

2.36%

Book Value (TTM)

₹  33.842

Operating Revenue

1364.2501 Cr.

Net Profit

109.9989 Cr.

Promoter Holding

64.99%

EPS (TTM)

₹  1.344

Sales Growth

2.23576506181695 %

ROE

5.26137844854221 %

ROCE

9.20980405899861 %

Profit Growth

-40.2642843100945 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

Income Growth (in Cr.)

1 Year2.24%
3 Year0.33%
5 Year11.21%

Profit Growth (in Cr.)

1 Year-40.26%
3 Year-31.71%
5 Year-7.32%

ROE%

1 Year5.26%
3 Year3.29%
5 Year10.21%

ROCE %

1 Year9.21%
3 Year7.89%
5 Year9.99%

ROA%

0.845756349706156

PEG Ratio

NA

PAT Margin (%)

8.06295707803137

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 64.99 0
Dec 2020 64.99 0
Sep 2020 64.99 0
Jun 2020 64.99 0
Mar 2020 64.99 0
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.237801647997944 times the book value
  • Promoters shareholding is 64.99%.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of 3.28519509612364%.
  • PAT margin has shrunk by 5.73653583860623%.
  • The company has delivered poor profit growth of -31.7058500035334% over past 3 years
  • The company has delivered poor Operating Income growth of 0.331095355840572% over past 3 years.
  • Provision and contingencies have increased by 185.221181541122%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Operating Revenue 331.7 332.8 292.31 295.32 269.31
Other Income 0 0.08 5.81 2.66 0.09
Interest Expended 230.4 222.97 205.73 196.53 183.05
Operating Expenses 33.63 93.93 48.33 51.49 51.94
Total Provisions 0 0 0 0 0
Depreciation 1.6 1.58 1.47 1.5 1.51
Profit Before Tax 66.08 14.41 42.59 48.47 32.9
Tax 23.02 7.36 16.03 16.61 12.05
Net Profit 43.06 7.05 26.56 31.85 20.85

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 1186.91 1350.79 1187.78 1334.42 1364.25
Other Income 0.01 1.09 0.61 2.1 5.46
Interest 530.11 644.69 685.53 945.49 950.39
Operating Expenses 28.76 33.68 37.51 38.33 42.8
Total Provisions 96.61 144.83 615.78 71.69 204.49
Exceptional Items 0 0 0 0 0
Profit Before Tax 531.44 528.68 -150.43 281 172.04
Tax 140.35 183.35 -50.19 96.86 62.04
Profit After Tax 391.1 345.33 -100.23 184.14 110
Adjusted EPS (Rs.) 6.96 5.38 -1.56 2.87 1.71

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 562.08 642.28 642.28 642.28 642.28
Total Reserves 1180.45 1777 1297.07 1424.27 1472.54
Borrowings 4843.63 4715.88 9833.59 10258.33 9159.9
Other N/C liabilities 472.55 692.39 464.79 561.62 623.49
Current liabilities 2174.77 3518.71 539.53 864.75 362.5
Total Liabilities 9233.48 11346.26 12777.26 13751.25 12260.7
Assets
Loans 7806.89 9798.73 11806.17 12644.05 10368.26
Net Block 18.2 14.99 14.2 12.31 21.9
Capital WIP 0 0.06 0.06 0 0
Investments 234.9 114.28 63.01 95.87 355.68
Other Loans 444.42 641.04 801.78 931.11 1054.49
Other N/C Assets 29.54 27.11 25.01 19.97 21.62
Current Assets 699.52 750.05 67.04 47.94 438.77
Total Assets 9233.48 11346.26 12777.26 13751.25 12260.7
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company Presentations

Company News

PTC India Fin. Serv Stock Price Analysis and Quick Research Report. Is PTC India Fin. Serv an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the PTC India Fin. Serv better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 109.9989 Cr and the compounded growth of profit in the past 3 years is -31.7058500035334 %. The PAT margin of PTC India Fin. Serv is 8.06295707803137 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In PTC India Fin. Serv , the EPS declined by -40.2650854551796 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of PTC India Fin. Serv is at 5.26137844854221 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of PTC India Fin. Serv is worth at the current levels at Rs 19.1. The stock is trading at a current P/E ratio of 4.57199579586593 and the average historical P/E for the last 5 years was 4.54385175381453.

  • P/B ratio can be one of the best metrics to value such companies. Currently, PTC India Fin. Serv is trading at a P/B of 0.564387447550381 . The average historical P/B for the last 5 years was 0.746125462576402. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about PTC India Fin. Serv

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