PTC India Financial Services Intrinsic Value
PTC India Financial Services (PFS) median intrinsic value is ₹33.33 from 9 valuation models (range ₹9–₹73), vs current price ₹29.28 — +13.8% upside (Trading Below Median Value), margin of safety 12.2%. For current market price and key ratios, visit PFS stock price BSE.
PFS Valuation Methods Summary — DCF, Graham Number & P/E
PTC India Financial Services intrinsic value across 9 models vs current price ₹29.28 — upside/downside and value range per method. Read PFS dividend growth for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹34.08 | ₹27.26 - ₹40.90 | +16.4% | EPS: ₹2.84, Sector P/E: 12x |
| Book Value Method | asset | ₹34.32 | ₹30.89 - ₹37.75 | +17.2% | Book Value/Share: ₹42.90, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹8.78 | ₹7.90 - ₹9.66 | -70.0% | Revenue/Share: ₹7.41, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹33.33 | ₹30.00 - ₹36.66 | +13.8% | EBITDA: ₹428.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹73.20 | ₹58.56 - ₹87.84 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹18.18 | ₹16.36 - ₹20.00 | -37.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹23.40 | ₹21.06 - ₹25.74 | -20.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹28.66 | ₹25.79 - ₹31.53 | -2.1% | ROE: 6.7%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹52.36 | ₹47.12 - ₹57.60 | +78.8% | EPS: ₹2.84, BVPS: ₹42.90 |
PFS Intrinsic Value vs Market Price — All Valuation Models
PTC India Financial Services fair value range ₹9–₹73 vs current market price ₹29.28 across 9 valuation models. Analyse PTC India Financial Services ownership pattern to track promoter, FII and institutional holdings.
PFS Intrinsic Value Analysis — Undervalued or Overvalued?
PTC India Financial Services median intrinsic value ₹33.33, current price ₹29.28 — Trading Below Median Value by 13.8%, margin of safety 12.2%.
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 ₹33.33 (median value). With the current market price of ₹29.28, this represents a +13.8% variance from our estimated fair value.
The valuation range spans from ₹8.78 to ₹73.20, indicating ₹8.78 - ₹73.20.
Is PFS undervalued or overvalued?
Based on our multi-method analysis, PTC India Financial Services (PFS) appears to be trading below median value by approximately 13.8%.
PFS Financial Health — Key Ratios vs Industry Benchmarks
PTC India Financial Services financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 6.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 90.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PFS Cash Flow Quality — Operating & Free Cash Flow
PTC India Financial Services operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |