PTC India Financial Services Limited has informed the Exchange about Transcript

PTC India Financial Services (PFS) filed the transcript of its Q4 & FY25 earnings call held on May 10, 2025. The company posted a 35% jump in profit after tax to INR 217 crores on total income of INR 638 crores, with return on assets improving 129 basis points to 3.56%, capital adequacy rising to 59.65%, and a qualification-free balance sheet achieved. Management guided for 7-9% sequential AUM growth over the next 8-10 quarters, spreads of 1.75-2% for FY26 (expected to improve in FY27), and an ROA target of 2.75-3%. Q4 disbursements were weak at just INR 50 crores, attributed to lost deals, processing delays, and a surge in prepayments, but management expects Q1 FY26 disbursements of INR 600-650 crores. Around INR 405 crores of stressed assets are targeted for resolution by September, a rating upgrade is expected by July, and a small equity raise of INR 300-500 crores at a premium is being contemplated.