PTC India Fin. Serv Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent revenue growth over the last three quarters, indicating strong demand for financial services.
Improved net profit margin, suggesting enhanced operational efficiency and cost management.
Increase in return on equity, reflecting better utilization of shareholders' funds.

NEGATIVES

Rising non-performing assets (NPAs) could indicate increasing credit risk and potential loan defaults.
Slower growth in loan disbursement compared to previous quarters may impact future profitability.
High operating expenses compared to revenue growth, which could affect overall financial health.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	189.75	190.25	204.32	176.47	161.21	163.43	158.07	150.68	141.91	131.84
Expenses	33.99	13.60	32.32	63.93	12.14	15.35	-2.28	6.64	-71.24	-45.22
Operating Profit	155.76	176.65	172.01	112.54	149.07	148.08	160.35	144.04	213.15	177.06
Other Income	3.48	11.56	0	0.45	0.01	0	0.05	4.56	0.33	0.02
Interest	108.47	106.66	102.75	92.12	88.16	83.10	78.11	71.70	65.34	57.57
Depreciation	1.53	1.56	1.78	1.61	1.58	1.57	1.62	1.79	1.83	1.88
Profit Before Tax	49.24	79.99	67.48	19.26	59.34	63.41	80.67	75.11	146.31	117.63
Tax	12.48	20.22	17.11	5.42	14.94	16.07	13.52	16.95	9.68	29.49
Net Profit	36.76	59.77	50.37	13.84	44.40	47.34	67.15	58.16	136.63	88.14
Eps in Rs	0.57	0.93	0.78	0.22	0.69	0.74	1.05	0.91	2.13	1.37