PTC India Financial Services Q3 FY26: strong loan growth, lower returns

Revenue DeclineEbitda Margin CompressionResults View source PDF Explain this filing

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

-6.2%Reaction day

₹32.00

prior close

₹31.44

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used-0.8%-5.4% vs market

Non Banking Financial Company (NBFC) peers, median of 204sector-0.7%-5.5% vs sector

On the reaction day the stock moved 5.4 pts less than Nifty Microcap 250 and 5.5 pts less than 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

-4.3

10m

-4.3

15m

-3.6

30m

-3.6

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-6.2-0.8-5.4-0.7-5.5

Next day

-3.3+0.7-4.0+0.0-3.3

-6.6-1.4-5.2-0.5-6.1

-0.9-1.3+0.4-1.1+0.2

+4.7+0.7+4.0-1.0+5.7

+3.1+0.3+2.8-1.5+4.6

+0.6+0.9-0.3-3.3+3.8

15d

+4.7+6.8-2.1-0.3+5.0

-1.5+4.3-5.7-2.3+0.8

-16.9-8.7-8.2-11.8-5.0

-2.5+8.6-11.1-3.6+1.1

UpDownMarket · Nifty Microcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 204Pending

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

AI summary

PTC India Financial Services reported Q3 FY26 PAT of Rs 49 crores with total income stable at Rs 125 crores. Loan disbursements more than doubled to Rs 609 crores and sanctions jumped 4.3 times to Rs 1,188 crores. For 9M FY26, total income fell to Rs 399 crores from Rs 483 crores. Asset quality improved sharply with Gross Stage III assets down 74 percent to Rs 193 crores. However, RoNW declined to 6.78 percent and yield on portfolio eased to 10.57 percent from 11.42 percent.

Likely market impact

Strong loan growth and better asset quality are positives. Falling yields, lower RoNW, and a drop in 9M income raise profitability concerns.