PTC India Financial Services Reports Q1 FY27 Results: Net Profit at ₹40.24 Crore

Infrastructure debt fund PTC India Financial Services Limited (PFS) (NSE: PFS | BSE: 533344) has announced its unaudited standalone and consolidated financial results for the first quarter ended June 30, 2026 (Q1 FY27).

The non-banking financial company (NBFC) registered a consolidated net profit of ₹40.24 crore on total revenue from operations of ₹103.31 crore, supported by a comfortable capital adequacy ratio of 68.91% and stable asset quality metrics.

Key Financial Highlights (Q1 FY27 vs Q1 FY26 & Q4 FY26)

All monetary figures are reported in ₹ crore.

                 FINANCIAL PERFORMANCE OVERVIEW

   Revenue from Operations     Profit Before Tax (PBT)       Net Profit (PAT)
  -------------------------    -----------------------     --------------------
  Q1 FY27: ₹103.31             Q1 FY27: ₹54.25             Q1 FY27: ₹40.24
  Q4 FY26: ₹119.08             Q4 FY26: ₹61.59             Q4 FY26: ₹45.50
  Q1 FY26: ₹141.91             Q1 FY26: ₹146.31            Q1 FY26: ₹136.63

Financial Performance Breakdown

Total Income & Revenue Mix

Revenue from Operations: Stood at ₹103.31 crore in Q1 FY27 compared to ₹141.91 crore in Q1 FY26 and ₹119.08 crore in Q4 FY26.

Interest Income: Contributed ₹87.21 crore (vs. ₹131.52 crore in Q1 FY26).

Net Gain on Fair Value Changes: Rose to ₹13.89 crore (vs. ₹6.61 crore in Q1 FY26 and ₹8.17 crore in Q4 FY26).

Fee & Commission Income: Stood at ₹1.40 crore (vs. ₹2.59 crore in Q1 FY26).

Sale of Power: Contributed ₹0.81 crore (vs. ₹1.19 crore in Q1 FY26).

Total Income: Recorded at ₹103.31 crore for the quarter.

Expenditure & Credit Costs

Total expenses for the quarter stood at ₹49.06 crore compared to ₹57.52 crore in Q4 FY26:

Finance Costs: Substantially declined to ₹38.50 crore from ₹65.34 crore in Q1 FY26 and ₹43.94 crore in Q4 FY26, reflecting reduced borrowing obligations.

Impairment on Financial Instruments: Recorded a write-back/reversal of ₹(3.75) crore during the quarter.

Employee Benefits Expense: Stood at ₹6.65 crore (vs. ₹5.33 crore in Q1 FY26).

Administrative & Other Expenses: Stood at ₹5.30 crore (vs. ₹4.99 crore in Q1 FY26).

Profitability & Margins

Profit Before Tax (PBT): Reported at ₹54.25 crore for Q1 FY27.

Total Tax Expense: Came in at ₹14.01 crore (Current Tax: ₹12.09 crore; Deferred Tax: ₹1.92 crore).

Net Profit After Tax (PAT): Recorded at ₹40.24 crore (down sequentially from ₹45.50 crore in Q4 FY26).

Net Profit Margin: Maintained a strong 38.95%.

Operating Margin: Stood at 52.51%.

Earnings Per Share (EPS): Basic and diluted EPS stood at ₹0.63 per equity share (Face value of ₹10/- each).

Management & Asset Quality Highlights

Leverage Position: With a Debt-Equity ratio of 0.49x and Total Debts to Total Assets at 32.07%, PFS maintains conservative leverage, giving substantial headroom for credit expansion.

Asset Quality: Net Stage 3 assets remain well-contained at 1.68%, demonstrating progress in stressed asset recovery and provisioning coverage.

Capital Cushion: A CRAR of 68.91% provides significantly higher capitalization than the regulatory requirement for non-banking financial institutions.

Shares of PTC India Financial Services Limited was last trading in BSE at Rs. 27.45 as compared to the previous close of Rs. 27.78. The total number of shares traded during the day was 25886 in over 239 trades.

The stock hit an intraday high of Rs. 27.83 and intraday low of 27.43. The net turnover during the day was Rs. 711899.00.

Source : Equity Bulls

Keywords

PTCIndiaFinancialServices INE560K01014 PFS Q1FY27 Q1FY2027 ResultUpdate