PTC India Financial Services Limited has informed the Exchange about Investor Presentation
PFS · price
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Awaiting price reaction for this filing.
PTC India Financial Services (PFS) filed its Q4 FY25 investor presentation showing Profit After Tax of ₹217 Cr, up 35% YoY, despite Total Income declining 18% to ₹638 Cr. Loan Assets (AUM) stood at ₹4,746 Cr, down 12% from ₹5,395 Cr, but disbursements grew 56% YoY to ₹916 Cr and sanctions rose 57% YoY. Key profitability metrics improved: ROA rose to 3.56% (from 2.27%), EPS climbed to ₹3.38 (from ₹2.50), and Capital Adequacy remained strong at 59.65%. ICRA upgraded its outlook to 'Stable' from 'Negative' in March 2025. The company disclosed a healthy pipeline with ₹350 Cr already sanctioned pending disbursement and ₹1,300 Cr of proposals under evaluation, while legacy stressed assets continue to be resolved (Gross Stage III fell to ₹711 Cr from ₹769 Cr).
Positive on profitability and asset quality — better cost management, lower credit costs, and rating upgrade support sentiment. However, shrinking AUM and falling Net Interest Margin (4.25% vs 4.62%) signal near-term growth pressure. The disclosed pipeline and resolution progress are encouraging for FY26 recovery.