PTC India Financial Services Q2 FY27: PAT ₹40.24 & Rev ₹117 Cr

Investor Takeaways

Reported Q1 FY27 disbursements of ₹117 crores and PAT of ₹40.24 crores

Net worth increased to ₹3,120 crores

Record sanctioning of INR1,200 crores in Q2 July

Targeting INR5,000 crores AUM by financial year-end

Net Stage III assets at INR47 crores (~2% of net worth)

Overall Tone: Neutral

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹117 Cr	N/A
Net Profit	₹40.24 Cr	N/A
EBITDA	N/A	N/A
EPS	N/A	N/A
OPM	N/A	N/A

What Changed

PTC India Financial Services reported Q1 FY27 disbursements of ₹117 crores and PAT of ₹40.24 crores, with net worth rising to ₹3,120 crores. The company recorded record sanctioning of INR1,200 crores in July Q2, signaling strong pipeline momentum. Gross Stage III assets stood at ₹190 crores while Net Stage III was ₹47 crores, reflecting stable asset quality at approximately 2% of net worth. Management highlighted infrastructure financing as the core growth driver, targeting INR5,000 crores AUM by year-end. They emphasized a stable capital base and liquidity position, addressing past performance concerns by focusing on sustainable growth and risk-aware expansion. The shift from previous periods of delayed disbursements due to sector-specific construction delays is now being addressed through proactive NCLT-led NPA resolution.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
PTC India Financial Services	11.12	N/A	N/A	1,928.13
HDFC Bank Limited	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited	15.47	N/A	N/A	8,92,242
State Bank of India	10.44	N/A	N/A	8,89,093.09

PTC India Financial Services trades at a lower P/E multiple compared to HDFC Bank and ICICI Bank, suggesting potential relative valuation advantage, though peer ROE and ROCE data were not fully available for direct comparison.

Risks & Concerns

No specific risks identified in this filing

Net Stage III remains low at ~2% of net worth, indicating manageable asset quality

Sector-specific construction delays previously impacted disbursements, but management expects momentum to accelerate

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	158.07	67.15	101.44
Q2FY25	163.4	47.34	90.61
Q1FY25	161.22	44.4	92.46
Q4FY24	176.46	13.85	63.78

The current quarter's revenue of ₹117 crores shows a decline compared to the same period last year (Q1FY25: ₹161.22 crores), though PAT and net worth have improved significantly. OPM has fluctuated over the past four quarters, with Q3FY25 showing the highest operating profit margin at 101.44%, while Q4FY24 was notably lower at 63.78%. The current filing does not provide a direct YoY comparison for revenue or profit, but the PAT of ₹40.24 crores in Q1FY27 is consistent with improved profitability despite lower revenue.

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About PTC India Financial Services Limited (PFS)

Financial Services · Finance · Listed on NSE

Market Cap: ₹1,928.13 Cr P/E: 11.1

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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