PTC India Financial Services Limited (PFS) Fair Value & Analysis
Financial Services · IN · Market cap ₹17.9B (≈ $189M) · ISIN INE560K01014
What is PTC India Financial Services Limited really worth?
A solid business, trading 52% below our fair value of ₹55.64.
As of Aug 23, 2026, the fair value of PTC India Financial Services Limited is ₹55.64 per share against a price of ₹26.93, so the fair value sits 107% above the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
Fair value as of: Aug 23, 2026
From 9 valuation models · updated 14 days ago
Share price −6.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case (₹41.73). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
60‑month range ₹11.94 – ₹62.71 · fair‑value band ₹41.73 – ₹69.55 · the ₹26.93 price screens below the ₹55.64 fair value. Dashed = 300-day average. As of Aug 23, 2026.
Analysis
PTC India Financial Services Limited (PFS) currently trades at ₹26.93, while our model-based Fair Value estimate is ₹55.64, implying the stock looks roughly 51.6% undervalued today. The Quality Score stands at 74/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of ₹358.03 per share, and 9 of the 9 models we run sit above the ₹26.93 price. Bear case: the Asset-Based group reads lowest at ₹32.13, and 0 of the 9 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, PTC India Financial Services Limited generated revenue of ₹4.5B at a net margin of 54.6%. Revenue declined 55.5% year over year. It earns a return on equity of 12.5%. Net debt stands at ₹17.0B. Fundamentals as of Aug 23, 2026
Our scenario range runs from ₹41.73 (bear case) to ₹69.55 (bull case); at ₹26.93, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 34% below its 52-week high and 13% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at 107%, PFS screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹1.51 per share, which is 8.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 9 models by family
Widest divergence: Growth DCF (₹358.03) versus Asset-Based (₹32.13). Highest evidence: Growth DCF (78).
Notify me when PFS reaches fair value
Put PFS on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 70 · Market factors (momentum, volatility) 37
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
PTC India Financial Services Limited, a non-banking finance company, provides various financing solutions primarily in India.
Full company description
PTC India Financial Services Limited, a non-banking finance company, provides various financing solutions primarily in India. It offers fund based/non-fund based financial assistance in the form of debt or structured debt instruments, such as term debt or project debt, corporate debt, bridge debt, and bills discounting, as well as letters of comfort, credit enhancement schemes, and deferred payment guarantees. The company acts as underwriter, lead FI, syndicator, security and facility agent, project appraiser, and DPR consultant/preparer. In addition, it invests in green-field and brown-field projects, logistics, road project, and other infrastructure. The company was incorporated in 2006 and is based in New Delhi, India. PTC India Financial Services Limited is a subsidiary of PTC India Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
PTC India Financial Services Limited reported revenue of ₹4.8B in FY2026 versus ₹9.3B in FY2022, a compound −15.3%/yr. Reported net income was ₹3.2B in FY2026, compounding +25.2%/yr from FY2022.
Watch PFS: get an alert when its fair value changes →
Peer Group
Credit Services · 325 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $326.16 | $206.40 | −37% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
Compare PTC India Financial Services Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is PTC India Financial Services Limited (PFS) overvalued or undervalued?
What is the fair value of PFS?
What is the quality score of PFS?
What is the price target for PTC India Financial Services Limited (PFS)?
What is the PTC India Financial Services Limited stock forecast for 2026?
What is the revenue of PTC India Financial Services Limited (PFS)?
What is the net profit margin of PFS?
Does PTC India Financial Services Limited pay a dividend?
Watch PTC India Financial Services Limited in the live analysis
One click puts PTC India Financial Services Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.