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PMC Fincorp Ltd (534060)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 534060 NSE: Finance - NBFC | Small Cap | PMC Fincorp Share Price

₹1.88 0.03 (1.62%)

As on 24-Jun'26 16:59

PMC Fincorp Ltd (534060)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 534060 NSE: Finance - NBFC | Small Cap | PMC Fincorp Share Price

₹1.88 0.03 (1.62%)

As on 24-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹134 Cr.
Current Price
₹1.9
52-Week Low / High
₹1 / 3
TTM EPS
₹0.1
Book Value per Share
₹2.6
P/E Ratio
21.76
Higher than its 5-year historical median
Industry PE
28.1
Price to Book (P/B)
0.72
Lower than its 5-year historical median
EV/EBITDA
10.70
In line with its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
10.96%
Return on Capital Employed (ROCE)
11.32%
Return on Assets (ROA)
8.05%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
33.27%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
28.32%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹18.6 Cr.
Reserves
₹114 Cr.
Equity
₹71.2 Cr.
Face Value
₹1
All Time Low / High
₹0.14 / 108.59

PMC Fincorp stock performance

Key Ratios
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Check Before You Invest

Valuation

Fair

Price Trend

Weak
Q.1 Is PMC Fincorp Ltd a good quality company?
PMC Fincorp Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does PMC Fincorp Ltd performance compare with that of its Peers?
Q.1 AUM Growth of PMC Fincorp Ltd vs Industry Peers?
PMC Fincorp Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.
Q.1 Promoter shareholding and pledge status of PMC Fincorp Ltd?
Promoters hold 20.89% of the PMC Fincorp Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of PMC Fincorp Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 16.5% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
PMC Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)14.47.45.78.59.85.47.48.511.514.619
YoY Gr. Rt. %--48.9%-22.5%49%15%-44.4%35.9%14.8%35.7%26.8%-
Adj EPS (₹ ) 0000000-0.10.20.20.1
YoY Gr. Rt. %--50%100%50%0%0%0%-466.7%NA5.3%-
BVPS (₹ )11.11.21.21.21.31.31.51.72.22.6
YoY Gr. Rt. %-1.9%10.5%1.7%3.4%2.5%3.2%18.6%13.1%28.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.80.611.81.72.21.8-5.18.48.10

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income0.2%8.3%25.5%26.8%
Adj EPS29.2%46.1%88.2%5.3%
BVPS8.9%12.7%19.8%28.3%
Share Price 18.7% -5.5% 9.3% -16.1%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)6.29.817.818.814.733.424.6-75.198.798.434.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.61.31.62.42.12.62.5-7.711.6113.5

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 14768105781621
Interest Income14768105781115
Other Income 00006131200
Exceptional Items 0000000047
Expenditure + 136468351533
Interest Expense 2421111221
Operating Expenses 11225111221
Provisions 00006131200
Exceptional Items 0000000000
Profit Before Tax 1112223-61318
Taxes 1001011-014
Profit After Tax 1112122-61114
Adjusted EPS (₹)0.00.00.00.00.00.00.0-0.10.20.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of PMC Fincorp - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +5757666870727492104158
Share Capital 49495151515151535371
Reserves 891517192123395187
Short term borrowings575121181062527346
Long Term Borrowings00000000160
Current Liabilities 635622191282530551
Trade Payables4400000010
Other Liabilities-61-53-21-18-10-6-7-167-35
Total Liabilities 12011589888280117134136220

Assets

Non Current Asset +1115121295516113151
Loan Asset 00000000111148
Other Non Current Asset 111512129551623
Current Asset +109101777673761121182369
Current Investment000000002019
Other Current Asset10910177767376112118350
Total Assets 12011589888280117134136220

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 71-902-3-32-410-28
Cash Flow From Investing Activity -7-430260-21-1-2
Cash Flow From Financing Activity 0260-4-43621-976
Net Cash Flow 1-1-000-04-4046

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0000000-0.100.200.20
DPS (₹)0000000000
BVPS (₹)1.21.21.31.31.41.41.51.722.2

Performance Ratios

ROA (%)0.80.61.01.81.72.21.8-5.18.48.1
ROE (%)1.61.31.62.42.12.62.5-7.711.611.0
ROCE (%)3.64.23.73.63.33.93.6-3.910.711.3

Valuation Parameters

Price/Book(x)0.40.40.30.30.20.73.81.11.21.0

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

PMC Fincorp Ltd FAQs

The current trading price of PMC Fincorp on 24-Jun-2026 16:59 is ₹1.88.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Jun-2026 the market cap of PMC Fincorp stood at ₹133.9 Cr

The latest P/E ratio of PMC Fincorp as of 23-Jun-2026 is 21.76.

The latest P/B ratio of PMC Fincorp as of 23-Jun-2026 is 0.72.

The 52-week high of PMC Fincorp is ₹2.56 and the 52-week low is ₹1.48.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of PMC Fincorp is ₹18.57 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that PMC Fincorp Ltd is a below average quality company.

The key valuation ratios of PMC Fincorp Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of PMC Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About PMC Fincorp Ltd

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