| 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
- ₹27.12
- Market cap
- ₹1,742 Cr
- Revenue (annual)
- ₹514.6 Cr
- Net profit (annual)
- ₹319.4 Cr
- P/E (TTM)
- 7.8×Sector 21.8×
- Promoter holding
- 64.99%+0.00% QoQ
- FII holding
- 2.03%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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