PTC India Financial Services Limited
PTC India Financial Services Limited Fundamental Analysis
PTC India Financial Services Limited (PFS.NS) shows moderate financial fundamentals with a PE ratio of 6.17, profit margin of 61.62%, and ROE of 11.04%. The company generates $5.2B in annual revenue with weak year-over-year growth of -21.29%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 34.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PFS.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakPFS.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPFS.NS trades at attractive valuation levels.
Growth Score
ModeratePFS.NS shows steady but slowing expansion.
Financial Health Score
ModeratePFS.NS shows balanced financial health with some risks.
Profitability Score
ModeratePFS.NS maintains healthy but balanced margins.
Key Financial Metrics
Is PFS.NS Expensive or Cheap?
P/E Ratio
PFS.NS trades at 6.17 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PFS.NS's PEG of 0.13 indicates potential undervaluation.
Price to Book
The market values PTC India Financial Services Limited at 0.64 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.77 times EBITDA. This is generally considered low.
How Well Does PFS.NS Make Money?
Net Profit Margin
For every $100 in sales, PTC India Financial Services Limited keeps $61.62 as profit after all expenses.
Operating Margin
Core operations generate 62.17 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.04 in profit for every $100 of shareholder equity.
ROA
PTC India Financial Services Limited generates $6.44 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PTC India Financial Services Limited generates strong operating cash flow of $11.66B, reflecting robust business health.
Free Cash Flow
PTC India Financial Services Limited generates strong free cash flow of $11.65B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $18.15 in free cash annually.
FCF Yield
PFS.NS converts 59.21% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.17
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.64
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.80
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.57
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How PFS.NS Stacks Against Its Sector Peers
| Metric | PFS.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.17 | 19.08 | Better (Cheaper) |
| ROE | 11.04% | 799.00% | Weak |
| Net Margin | 61.62% | -7710.00% (disorted) | Strong |
| Debt/Equity | 0.57 | 2.40 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 560.55 | Weak Liquidity |
| ROA | 6.44% | -23972.00% (disorted) | Weak |
PFS.NS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PTC India Financial Services Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-59.24%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
97.36%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-64.70%
Industry Style: Value, Dividend, Cyclical
Declining