PTC India Financial Services Intrinsic Value
PFS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹65.76 | ₹52.61 - ₹78.91 | +98.2% | EPS: ₹5.48, Sector P/E: 12x |
| Book Value Method | asset | ₹34.32 | ₹30.89 - ₹37.75 | +3.4% | Book Value/Share: ₹42.90, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹9.95 | ₹8.96 - ₹10.95 | -70.0% | Revenue/Share: ₹8.22, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹49.03 | ₹44.13 - ₹53.93 | +47.8% | EBITDA: ₹708.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹82.95 | ₹66.36 - ₹99.54 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹35.07 | ₹31.56 - ₹38.58 | +5.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹45.16 | ₹40.64 - ₹49.68 | +36.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹65.79 | ₹59.21 - ₹72.37 | +98.3% | ROE: 12.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹72.73 | ₹65.46 - ₹80.00 | +119.2% | EPS: ₹5.48, BVPS: ₹42.90 |
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Valuation Comparison Chart
PFS Intrinsic Value Analysis
What is the intrinsic value of PFS?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of PTC India Financial Services (PFS) is ₹49.03 (median value). With the current market price of ₹33.18, this represents a +47.8% variance from our estimated fair value.
The valuation range spans from ₹9.95 to ₹82.95, indicating ₹9.95 - ₹82.95.
Is PFS undervalued or overvalued?
Based on our multi-method analysis, PTC India Financial Services (PFS) appears to be trading below calculated value by approximately 47.8%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.41 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 2.06 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 12.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 134.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for PTC India Financial Services
Additional stock information and data for PFS
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,139 Cr | ₹1,139 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹2,563 Cr | ₹2,219 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,887 Cr | ₹1,887 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹2,721 Cr | ₹2,644 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹1,311 Cr | ₹1,230 Cr | Positive Free Cash Flow | 8/10 |