AI Summary
✦ ClarthaValuation Metrics
Trading 21.2% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -1.11). Confidence: 79%.
Live forward EPS implies next-12-month EPS of ₹6.05. Applying the stock's normalized valuation corridor produces a fair range of ₹54.57 to ₹73.93, with base value near ₹64.19 (+123.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹6.05
Forward P/E
4.8x
Base Fair Value
₹64.19
Fair Range
₹54.57 - ₹73.93
Upside To Base
+123.1%
Estimate Source
Live forward EPS
Growth Estimate
-62.4%
5Y Average
0.76
Current
0.60
Overvalued
0.87
Undervalued
0.64
5Y Average
8.48
Current
8.36
Overvalued
12.22
Undervalued
9.02
5Y Average
4.21
Current
4.12
Overvalued
5.47
Undervalued
2.38
Peers & Comparison
Sector: Financials · Theme: Specialized Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
TOURISM FINANCE CORP. OF TFCILTDSpecialized Finance | +98.3% | 67.8% | 34.7x Fair | 0% vs avg | +109.7% |
PTC INDIA FIN SERV LTD trades at a discount (8.3x vs peer avg 34.7x), suggesting potential undervaluation relative to the Specialized Finance cohort. Peers include TOURISM FINANCE CORP. OF — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹103 CrJun 2026Latest net profit
₹40 CrJun 2026Free cash flow
₹1.78K CrMar 2026Net Profit
₹40 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 190 | 190 | 204 | 176 | 161 | 163 | 158 | 153 | 142 | 132 | 122 | 119 | 103 |
| Interest | 108 | 107 | 103 | 92 | 88 | 83 | 78 | 72 | 65 | 58 | 58 | 44 | 38 |
| Expenses + | 34 | 14 | 32 | 64 | 12 | 15 | -2 | 9 | -71 | -45 | -1 | 12 | 9 |
| Financing Profit | 47 | 70 | 69 | 20 | 61 | 65 | 82 | 72 | 148 | 119 | 65 | 63 | 56 |
| Financing Margin % | 25% | 37% | 34% | 12% | 38% | 40% | 52% | 47% | 104% | 91% | 54% | 53% | 54% |
| Other Income + | 3 | 12 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 1 | 0 | 0 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 49 | 80 | 67 | 19 | 59 | 63 | 81 | 75 | 146 | 118 | 64 | 62 | 54 |
| Tax % | 25% | 25% | 25% | 28% | 25% | 25% | 17% | 23% | 7% | 25% | 24% | 26% | 26% |
| Net Profit + | 37 | 60 | 50 | 14 | 44 | 47 | 67 | 58 | 137 | 88 | 49 | 46 | 40 |
| EPS in Rs | 0.57 | 0.93 | 0.78 | 0.22 | 0.69 | 0.74 | 1.05 | 0.91 | 2.13 | 1.37 | 0.76 | 0.71 | 0.63 |
| Gross NPA % | |||||||||||||
| Net NPA % | |||||||||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome