PTC India Fin Peer Comparison

NSE: PFS | BSE: 533344

₹28.19

₹-0.62 (-2.15%)

As on 05-Oct-2026IST

Market cap

₹1,811 Cr

Revenue (TTM)

₹476 Cr

P/E Ratio

8.1

P/B Ratio

0.6

Div. Yield

0 %

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	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	1,811	31,437	29,307	23,736	20,096
Revenue (₹ Cr)	476	404	10,285	5,303	6,380
Net Profit (₹ Cr)	222.97	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	46.52	74.72	14.02	21.20	18.97
RoE (%)	7.42	1.41	10.08	16.25	16.14
Price to Earnings	8.12	72.96	20.22	21.05	16.60
Price-To-Book	0.58	1.07	1.82	3.16	2.43

Income Statement (₹ Cr)

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	475.97	403.54	10,284.59	5,303.14	6,379.52
Other Income	3.35	5.87	25.57	15.03	3.80
Total Income	669.28	403.46	9,524.71	4,744.06	6,062.54
Interest Expense	197.65	0.57	4,204.29	1,922.34	1,966.96
PBT & Exceptional Items	302.51	366.10	2,260.68	1,611.04	1,676.19
Operating Expenses	-25.70	42.74	3,845.19	1,784.80	2,740.17
Exceptional Income/Expenses	-2.43	0.00	0.00	0.00	0.00
Profit before Tax	297.64	362.26	1,950.48	1,497.38	1,612.11
Taxes	74.67	56.33	505.07	369.75	401.27
Profit after Tax	222.97	305.93	1,445.41	1,127.63	1,210.84
Minority Interest	0.00	0.00	4.05	0.00	0.00
Share of Associate	0.00	124.96	0.00	0.00	0.00
Consolidated Profit	222.97	430.89	1,449.46	1,127.63	1,210.84

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	3,079.72	29,221.16	16,050.74	7,203.48	7,842.25
Minority Interest	0.00	0.00	4.05	0.00	0.00
Non-Current Liabilities	46.49	3,407.06	141.91	115.58	137.71
Current Liabilities	1,830.04	23.91	58,360.20	25,356.94	23,950.27
Total Liabilities	4,956.25	32,973.97	75,691.91	33,637.47	33,153.91

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	6.78	169.20	1,233.12	446.49	827.99
Current Assets	4,887.75	32,466.17	72,616.64	32,037.45	30,982.28
Total Assets	4,956.25	32,973.97	75,691.91	33,637.47	33,153.91
Contingent Liabilities	1.18	--	136.28	7.07	--

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	1,780.11	279.39	-20,237.75	-8,727.78	-2,770.21
Cash Flow from Investing Activities	-1,165.07	-147.97	-1,631.53	-1,088.40	-100.65
Cash from Financing Activities	-1,316.26	-137.57	23,834.45	10,391.44	2,750.95
Net Cash Inflow / Outflow	-701.22	-6.15	1,965.17	575.26	-119.91

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	11.83	1.57	8.35	11.68	9.98
ROE (%)	7.42	1.41	10.08	16.25	16.14
ROA (%)	4.19	0.91	2.34	4.21	4.05
EBIT Margin (%)	103.87	88.46	59.60	64.20	56.04
Net Margin (%)	46.52	74.72	14.02	21.20	18.97
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	-22.78	30.99	4.76	50.20	11.86
EBIT Growth (%)	-24.96	33.57	33.65	58.09	64.71
Net Profit Growth (%)	-27.90	42.45	85.35	95.19	524.34
EPS Growth (%)	-27.30	-86.84	68.98	74.92	521.96
Book Value Growth (%)	11.81	-6.01	24.70	67.97	12.59

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	8.05	72.96	19.54	21.05	16.56
Price / Book Value	0.58	1.07	1.82	3.16	2.43
Dividend Yield (%)	0.00	0.55	0.64	0.08	0.00
EV/EBITDA	3.61	84.62	12.36	12.66	11.37
Market Cap (₹ Cr)	1,540.83	27,369.52	23,577.62	15,957.18	18,508.79

	PTC India Fin	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	0.00	0.00	3.69	0.00	0.00
Short term debt to equity ratio	0.26	0.00	2.89	1.02	1.65
Current Ratio	2.67	1,357.85	1.24	1.26	1.29
Quick Ratio	2.67	1,357.85	1.24	1.26	1.29
Interest Coverage	2.51	636.54	1.46	1.78	1.82

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