PTC Financial: Q2 loan assets rise 25%; FY27 target INR5,000 crore

Management guided margin improvementManagement guided margin pressureOrder pipeline disclosedInvestor Communications View source PDF Explain this filing

PFS · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

+0.6%Reaction day

₹23.56

prior close

₹23.55

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+1.4%-0.8% vs market

Non Banking Financial Company (NBFC) peers, median of 214sector+0.6%-0.0% vs sector

On the reaction day the stock moved 0.8 pts less than Nifty Microcap 250 and in line with its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

+1.3

10m

+1.3

15m

+2.0

30m

+1.7

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+0.6+1.4-0.8+0.6-0.0

Next day

+4.0+1.7+2.3+0.0+4.0

+5.0+3.9+1.1+0.6+4.4

+7.3+5.1+2.2+1.1+6.2

+7.0pendingpending+1.9+5.1

—————

15d

—————

UpDownMarket · Nifty Microcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 214Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Q2 FY27 loan assets rose 25% sequentially to INR3,684 crore, with INR3,098 crore sanctioned and INR1,595 crore disbursed. Q2 profit was INR44 crore; management expects the lending spread above 2%. Gross bad loans fell to INR126 crore; net rose to INR105 crore. It targets INR5,000 crore by March 2027; INR2,500 crore of sanctioned loans await disbursement. The parent's proposed PFS sale is progressing, with no stage or timeline disclosed.

Likely market impact

Loan growth is positive, but net bad loans, possible margin easing, sale uncertainty and execution against the INR5,000 crore target are risks.