Here is a data-driven look at PTC India Financial Services Limited (PFS), covering financial performance, valuation, and shareholding trends.
PTC Financial Revenue Trend
PTC India Financial Services Limited couldn't sustain its prior revenue levels, with the top line falling 17.8% to ₹638 Cr in FY2025.
The 10-year revenue trajectory shows a 2.3% annual decline — not dramatic, but the shrinking top line is a concern.
In terms of scale, PTC India Financial Services Limited's ₹638 Cr in annual revenue positions it as a smaller financial institution company.
Revenue has moved in the same direction for 5 years running, suggesting the decline trend has structural legs.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹638 Cr | -17.8% |
| FY2024 | ₹777 Cr | -2.0% |
| FY2023 | ₹792 Cr | -17.9% |
| FY2022 | ₹965 Cr | -15.3% |
| FY2021 | ₹1,139 Cr | — |
View PTC India Financial Services Limited's full 10-year revenue trend with CAGR analysis →
PTC Financial Profitability
Net profit reached ₹217 Cr in FY2025, up 35.0% from ₹161 Cr in FY2024.
On the margin front, there's improvement — net margin went from 20.7% in FY2024 to 34.0% in FY2025.
On a per-share basis, diluted earnings were ₹3.38 in FY2025 versus ₹2.50 in FY2024.
Is PTC Financial Undervalued
Based on the P/B Ratio model, PTC India Financial Services Limited's fair value works out to ₹31 — 1.8% upside from where it trades today.
PTC India Financial Services Limited shares are currently trading at ₹30.78.
Craytheon also calculates intrinsic value using the P/E Ratio, EPS Growth, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/B Ratio | ₹31 | 1.8% upside to fair value |
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| DDM | Upgrade | Upgrade |
See all valuation models for PTC India Financial Services Limited with detailed assumptions →
PTC Financial Shareholding Pattern
The promoter group has maintained its 65.0% holding through the last 4 quarters.
Foreign institutional investors (FIIs) held 2.1% as of March 2026, down from 2.2% a year ago.
On the domestic institutional side, the holding is 5.0% as of March 2026 — down from 5.1%.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 65.0% | 2.1% | 5.0% | 27.8% |
| Dec 2025 | 65.0% | 2.2% | 5.1% | 27.8% |
| Sep 2025 | 65.0% | 2.2% | 5.1% | 27.8% |
| Jun 2025 | 65.0% | 2.2% | 5.1% | 27.7% |
Track quarterly shareholding changes for PTC India Financial Services Limited →
PTC Financial Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
FY2025 total assets: ₹56.83B (down 12.9% YoY from ₹65.25B).
Top categories: Other Assets (75.5%), Cash & ST Investments (24.3%), Property, Plant & Equipment (0.1%).
Of the ₹56.83B in liabilities and equity, 48.5% is shareholder equity, 50.3% is interest-bearing debt, and 1.2% is operating liabilities. Over the year, debt is down 27.1% and equity is up 8.5%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash & ST Investments | 13.80B |
| Receivables | 4.90M |
| Property, Plant & Equipment | 75.70M |
| Intangibles & Goodwill | 12.20M |
| Other Assets | 42.93B |
| Category | Value |
|---|---|
| Equity | 27.54B |
| Short-term Debt | 28.61B |
| Trade Payables | 58.50M |
| Other Liabilities | 614.80M |
PTC Financial Key Takeaways
In summary, PTC India Financial Services Limited (PFS) presents the following picture for fundamental analysts.
Revenue of ₹638 Cr in FY2025, down 17.8% year-over-year.
Long-term revenue has been contracting at 2.3% annually over 10 years.
The company is profitable, with a net margin of 34.0% and net income of ₹217 Cr.
The P/B Ratio model implies 1.8% upside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
Get the complete view of PTC India Financial Services Limited on Craytheon — 10 years of financials, four valuation models, and institutional holding trends.