PTC India Financial Services share price today

PTC India Financial Services Ltd's share price was ₹24.81 at the close on 4 November 2026. It has been falling for 57 weeks. That is 16.2% below its average price over the last 200 trading days. Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 20 weeks running.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today PTC India Financial Services Ltd is in stage 4. The phase helps read everything below.

In the last 52 weeks it traded between ₹23 and ₹36, and at that close it sat 11% of the way up from that low.

Over the last 11 years the share price moved −29% while the NIFTY 500 moved +251%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 25 June 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: revenue down on a year earlier for 11 quarters in a row, foreign funds (FIIs) cut their stake for 5 quarters in a row and profit down on a year earlier for 4 quarters in a row.

1. Revenue down on a year earlier for 11 quarters in a row

   In the September 2026 quarter revenue was ₹110 crore, -16.7% on a year earlier.

2. Foreign funds (FIIs) cut their stake for 5 quarters in a row

   From 2.2% to 1.6% of the company by the September 2026 quarter.

3. Profit down on a year earlier for 4 quarters in a row

   In the September 2026 quarter profit was ₹44 crore, -50% on a year earlier.

   Why: Profit fell because a road loan went bad and the company set aside more money to cover it.

   Next results: check whether the Dahanu wind loan gets admitted to the bankruptcy process and whether the Kundli road loan is cured, meaning brought back on track.

   From the earnings call on 28 Oct 2026.

For July to September 2026 (the quarter ended 30 September 2026), PTC India Financial Services reported total income of ₹110 crore, down 16.7% from ₹132 crore a year earlier, and a profit of ₹44.0 crore, down 50.0% from ₹88.0 crore.

PTC India Financial Services results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

PTC India Financial Services' management discussed these results on a call held on 28 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

PTC India Financial Services closed at ₹24.81 on 4 November 2026, down 30.7% from ₹35.80 a year earlier (7 November 2025) and up 24.0% over five years. Its highest weekly close since March 2016 was ₹58.54 on 2 February 2024.

PTC India Financial Services share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

560 weekly closes from 11 March 2016 to 4 November 2026.

4 Nov 2026: PTC India Financial Services closed at ₹24.81, up 5.8% on the week and down 13.5% on the month. 28 Oct 2026: PTC India Financial Services held its results call for July to September 2026. Management guided: Net loan book around ₹5,000 crore by March-end after prepayments.

Earlier

• Results for July to September 2026: Total income down 16.7% and profit down 50.0% on a year earlier.

PTC India Financial Services paid no dividend in the 12 months to 5 November 2026. The last was a dividend of ₹1 a share, ex-date 5 September 2023.

PTC India Financial Services dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date. The record date is the same day as the ex-date for every payment here.

Not in its latest year. PTC India Financial Services Ltd paid out 0% of its profit as dividends in FY26. It did pay a dividend in 7 of its last 13 reported years, so there is a history but no current dividend.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 28 October 2026, PTC India Financial Services' management guided: Net loan book around ₹5,000 crore by March-end after prepayments.

“Regarding the overall loan book, we expect the net amount to be approximately 5,000 crores by the end of this year.”Dilip Srivastava, on the call for July to September 2026

What management guided

• Loan growth to stay at least at quarter sequential pace in coming years.
• Spread to stay above 2% going forward even as book levers up.
• Optimum leverage around 4-4.5 times over next 3-4 years as book scales with funding cost easing toward market.
• Full-year ROA budget 4.2% with H2 acceleration implied over first-half run rate.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 28 October 2026.

When PTC India Financial Services reports October to December 2026, these are the 3 checks that show whether the story is still on course. First: Year-end net book delivery at flagged March goal against H2 scheduled repayments and prepayment drag.

PTC India Financial Services is on 2 of our India lists: 52 week high & low and Penny stocks.

PTC India Financial Services Ltd earned ₹44.0 Cr of net profit in the Sep 2026 quarter, −50.0% on the same quarter a year earlier. Full-year FY26 profit was ₹319 Cr. Over 10 years profit has grown −2.0% a year on average. That is 40.0% of the quarter's revenue. The same quarter a year earlier earned ₹88.0 Cr.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

For the full year, FY26 profit was ₹319 Cr (+47.0% on the year before).

Why profit moved: revenue changed −16.7% on a year earlier and the margin moved −26.7 percentage points. Sales did the work while the margin got thinner.

On average over the last four quarters, profit changed −42.1% and revenue −22.3%. Profit is growing slower than sales: rising costs are taking part of the growth.

PTC India Financial Services Ltd reported ₹110 Cr of income in the Sep 2026 quarter, −16.7% on the same quarter a year earlier. Over 10 years it has grown −8.0% a year on average. The last full year, FY26, came in at ₹518 Cr. The last four reported quarters add to ₹454 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

FY26 revenue was ₹518 Cr, −18.8% on the year before.

Recent pace: the last four quarters grew −22.3% on average, against −8.0% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew −22.4%, against −19.7% a year over the last 8 quarters (stabilising); profit over the last 12 months grew −48.9%, against +7.5% a year (rolling over).

PTC India Financial Services Ltd's net margin was 40.0% in the Sep 2026 quarter, 26.7 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 13 years it has been between −8.4% and 61.6%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

As noted under valuation: when margins are at a record, every ratio built on profit looks better than usual, so a low multiple can mislead.

PTC India Financial Services Ltd does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up.

PTC India Financial Services Ltd's revenue was ₹518 Cr in FY26, −18.8% on the year before, so the loan book is not growing. The latest quarter was −16.7% on a year earlier. The net margin on that income is 40.0%, −26.7 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

PTC India Financial Services Ltd's P/BV is 0.5×, in the middle of its own history: higher than 39% of past readings. Its usual P/BV (the middle reading) is 0.6×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 11% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.

Keep one thing in mind: the net margin is the best this company has ever reported. A multiple that looks low against its own past can mislead when profit is at a record. If margins fall back, today's multiple is higher than it looks.

Why the multiple is where it is: over the past year book value grew while the price moved −30.7%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 5 years the price moved +4.4% a year; about +7.8% a year came from book-value growth and about −3.4 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple.

PTC India Financial Services Ltd's business is getting worse. Revenue, profit and EPS growth are shrinking: revenue growth is −22.4% in the latest quarter, against +92.6% at its best in 12 quarters, with ROE falling at 5.7%. This is based on 12 quarters of 4 measures.