PTC India Financial Services Ltd (PFS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Algoquant Fin

Arman Financial

Kalyani Invest.

PNB Gilts

Spice LoungeFood

Summit Securitie

Ugro Capital

Balmer Law. Inv.

Shipping Land

PTC India Fin

Grand Oak Canyon

Why is PTC India Financial Services Ltd ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 7.52%

Poor long term growth as Net Sales has grown by an annual rate of -15.31% and Operating profit at -9.57%

With a fall in EPS of -11.56%, the company declared Very Negative results in Jun 26

The company has declared negative results for the last 3 consecutive quarters
The company has declared negative results in Dec 25 after 4 consecutive negative quarters
NET SALES(Q) Lowest at Rs 103.31 cr
PBDIT(Q) Lowest at Rs 94.45 cr.
PBT LESS OI(Q) Lowest at Rs 54.25 cr.

With ROE of 10.4, it has a Expensive valuation with a 0.6 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -24.51%, its profits have fallen by -27.3%

Below par performance in long term as well as near term

Along with generating -24.51% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is PTC India Fin for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

PTC India Fin

-24.51%

-0.70

35.07%

Sensex

-2.63%

-0.19

13.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-15.31%

EBIT Growth (5y)

-9.57%

Net Debt to Equity (avg)

0.57

Institutional Holding

7.08%

ROE (avg)

7.52%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.60

EV to EBIT

5.23

EV to EBITDA

5.15

EV to Capital Employed

0.68

EV to Sales

5.43

PEG Ratio

Dividend Yield

ROCE (Latest)

16.10%

ROE (Latest)

10.43%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

DEBT-EQUITY RATIO(HY)

Lowest at 0.57 times

-27What is not working for the Company

NET SALES(Q)

Lowest at Rs 103.31 cr

PBDIT(Q)

Lowest at Rs 94.45 cr.

PBT LESS OI(Q)

Lowest at Rs 54.25 cr.

PAT(Q)

Lowest at Rs 40.24 cr.

EPS(Q)

Lowest at Rs 0.63

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Here's what is working for PTC India Fin

Debt-Equity Ratio - Half Yearly

Lowest at 0.57 times and Fallen

each half year in the last five half yearly periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Here's what is not working for PTC India Fin

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 54.25 cr has Fallen at -44.1% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 97.11 Cr

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 40.24 cr has Fallen at -49.9% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs 80.30 Cr

MOJO Watch

Near term PAT trend is very negative

PAT (Rs Cr)

Net Sales - Quarterly

Lowest at Rs 103.31 cr and Fallen

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very negative

Net Sales (Rs Cr)

Net Sales - Quarterly

At Rs 103.31 cr has Fallen at -19.7% (vs previous 4Q average)

over average Net Sales of the previous four quarters of Rs 128.64 Cr

MOJO Watch

Near term sales trend is very negative

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Lowest at Rs 94.45 cr. and Fallen

each quarter in the last five quarters

MOJO Watch

Near term Operating Profit trend is quite negative

Operating Profit (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at Rs 54.25 cr. and Fallen

each quarter in the last five quarters

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Lowest at Rs 40.24 cr. and Fallen

each quarter in the last five quarters

MOJO Watch

Near term PAT trend is very negative

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Lowest at Rs 0.63

in the last five quarters

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (Rs)