PTC India Fin Peer Comparison

NSE: PFS | BSE: 533344

₹23.84

₹-0.17 (-0.71%)

As on 29-Oct-2026IST

Market cap

₹1,532 Cr

Revenue (TTM)

₹454 Cr

P/E Ratio

8.6

P/B Ratio

0.5

Div. Yield

0 %

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	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Market cap (₹ Cr)	1,532	22,269	16,680	12,590	7,472
Revenue (₹ Cr)	454	5,967	6,775	267	1,039
Net Profit (₹ Cr)	178.87	1,309.97	1,586.60	184.43	265.45
Net Margin (%)	38.79	21.90	23.40	69.04	25.56
RoE (%)	5.79	17.28	18.93	0.59	14.27
Price to Earnings	8.56	17.00	10.51	62.61	28.15
Price-To-Book	0.48	2.80	1.87	0.38	3.71

Income Statement (₹ Cr)

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Operating Income	454.32	5,967.37	6,774.91	266.98	1,038.57
Other Income	6.81	14.84	4.19	0.15	0.00
Total Income	669.28	4,744.06	6,062.54	179.45	943.70
Interest Expense	174.18	2,168.57	2,040.48	0.00	427.54
PBT & Exceptional Items	201.73	1,858.27	2,178.84	244.91	372.34
Operating Expenses	80.36	1,955.37	2,559.78	17.32	237.12
Exceptional Income/Expenses	-2.43	0.00	0.00	-2.44	-0.78
Profit before Tax	197.03	1,740.25	2,113.90	247.35	355.45
Taxes	18.16	430.28	527.30	62.92	90.00
Profit after Tax	178.87	1,309.97	1,586.60	184.43	265.45
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	16.65	0.00
Consolidated Profit	178.87	1,309.97	1,586.60	201.08	265.45

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Shareholder's Funds	3,164.17	7,957.62	8,919.01	35,793.11	1,935.96
Minority Interest	0.00	0.00	0.00	0.00	0.00
Non-Current Liabilities	50.22	183.54	112.69	4,628.06	101.18
Current Liabilities	1,484.44	31,898.30	25,418.48	2.32	5,567.92
Total Liabilities	4,956.25	33,637.47	33,153.91	37,202.63	6,372.84

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Non-Current Assets	5.93	512.13	784.57	0.01	82.26
Current Assets	4,625.33	39,310.76	33,556.28	40,423.40	7,467.84
Total Assets	4,956.25	33,637.47	33,153.91	37,202.63	6,372.84
Contingent Liabilities	1.18	7.07	--	6.35	--

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Cash From Operating Activities	1,780.11	-8,727.78	-2,770.21	139.82	-782.76
Cash Flow from Investing Activities	-1,165.07	-1,088.40	-100.65	-139.78	-15.21
Cash from Financing Activities	-1,316.26	10,391.44	2,750.95	-0.87	843.17
Net Cash Inflow / Outflow	-701.22	575.26	-119.91	-0.83	45.20

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
ROCE (%)	11.83	11.68	9.98	0.58	12.38
ROE (%)	5.79	17.28	18.93	0.59	14.27
ROA (%)	3.56	4.06	5.11	0.47	4.03
EBIT Margin (%)	80.74	65.25	61.26	93.51	75.47
Net Margin (%)	38.79	21.90	23.40	69.04	25.56
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Revenue Growth (%)	-22.31	52.97	17.66	54.92	23.60
EBIT Growth (%)	-46.64	60.03	99.27	58.16	23.01
Net Profit Growth (%)	-48.90	82.77	1,086.78	56.62	27.97
EPS Growth (%)	-48.37	70.63	1,084.48	63.94	27.49
Book Value Growth (%)	11.81	67.97	12.59	5.43	15.66

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Price / Earnings	8.48	17.00	10.50	61.63	27.21
Price / Book Value	0.48	2.80	1.87	0.38	3.71
Dividend Yield (%)	0.00	0.09	0.00	0.00	0.13
EV/EBITDA	4.10	10.74	9.01	50.40	14.57
Market Cap (₹ Cr)	1,540.83	15,957.18	18,508.79	12,562.72	3,069.66

	PTC India Fin	Capri Global	CreditAccess Grameen	JSW Holdings	Paisalo Digital
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	0.26	1.02	1.65	--	0.09
Current Ratio	3.12	1.23	1.32	17,431.39	1.34
Quick Ratio	3.12	1.23	1.32	17,431.39	1.34
Interest Coverage	2.13	1.80	2.04	--	1.83

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.