PMC Fincorp Ltd - Stock Valuation and Financial Performance

BSE: 534060 | NSE: | Finance - Investment | Small Cap

PMC Fincorp Share Price

2.65 0.05 1.92%
as on 12-Apr'24 10:20

DeciZen - make an informed investing decision on PMC Fincorp

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

PMC Fincorp stock performance -

mw4me loader
P/E Ratio (SA):
17.76
Market Cap:
141 Cr.
52-wk low:
1.4
52-wk high:
3.5

Is PMC Fincorp Ltd an attractive stock to invest in?

1. Is PMC Fincorp Ltd a good quality company?

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

2. Is PMC Fincorp Ltd undervalued or overvalued?

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

3. Is PMC Fincorp Ltd a good buy now?

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.

10 Year X-Ray of PMC Fincorp:

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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)10.12914.47.45.78.59.85.47.4911
YoY Gr. Rt. %-188.6%-50.4%-48.9%-22.6%49.1%14.9%-44.4%35.9%22.4%-
Adj EPS (₹ ) 00.10000000-0.10.2
YoY Gr. Rt. %-133.3%-71.4%-50%100%50%0%33.3%0%-400%-
BVPS (₹ )0.61.21.21.21.31.31.41.41.51.72.1
YoY Gr. Rt. %-98.3%0.9%1.7%10.2%2.3%3%2.9%2.8%19.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.33.30.80.611.81.72.21.8-5.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-1.2%9.6%-2.6%22.4%
Adj EPS-216.7%-243.1%-258.7%-400%
BVPS12.9%5.9%8.1%19.3%
Share Price -26.5% 46% 36.2% 30.5%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Margins
Net Profit Margin (%)12.711.36.29.817.818.814.733.424.6-70.574.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)4.77.81.61.31.62.42.12.62.5-7.77.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 7.80%

Total income growth is good in last 4 quarters

Total Income has declined 14.37 CAGR in last 3 years

Net Profit has declined -258.74 CAGR in last 3 years

Latest Financials - PMC Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 0.2 -
TTM Sales (₹ Cr.) 10.8 -
BVPS (₹.) 2.1 -
Reserves (₹ Cr.) 59 -
P/BV 1.25 -
PE 17.76 -
From the Market
52 Week Low / High (₹) 1.40 / 3.47
All Time Low / High (₹) 0.16 / 122.35
Market Cap (₹ Cr.) 141
Equity (₹ Cr.) 53.4
Face Value (₹) 1
Industry PE 48.1

Management X-Ray of PMC Fincorp:

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 (%)

Event Update

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Analyst's Notes

Key Ratios of PMC Fincorp

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income10291476810579
Interest Income10291476810579
Other Income 0000000000
Expenditure 8241364683515
Interest Expense 3324211112
Operating Expenses 521112251112
Provisions 00000061312
Exceptional Items 0000000000
Profit Before Tax 251112223-6
Taxes 1210010110
Profit After Tax 131112122-6
Adjusted EPS (₹)0.00.10.00.00.00.00.00.00.0-0.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital28565757666870727492
Share Capital 24244949515151515153
Reserves 43289151719212339
Minority Interest0000000000
Long Term Borrowings0000000000
Current Liabilities 6944635622191282530
Trade Payables0244000000
Short term borrowings6839575121181062527
Other Liabilities-68-41-61-53-21-18-10-6-7-16
Total Liabilities 9710012011589888280117134

Assets

Non Current Asset 341115121295516
Loan Asset 0000000000
Other Non Current Asset 341115121295516
Current Asset 959510910177767376112118
Current Investment0000000000
Other Current Asset959510910177767376112118
Total Assets 9710012011589888280117134

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 0-2371-902-3-32-4
Cash Flow From Investing Activity 0-2-7-430260-21
Cash Flow From Financing Activity 0250260-4-43621
Net Cash Flow 001-100004-4
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)6211111112

Performance Ratios

ROA (%)1.33.30.80.61.01.81.72.21.8-5.1
ROE (%)4.77.81.61.31.62.42.12.62.5-7.7
ROCE (%)5.18.33.64.23.73.63.33.93.6-3.9

Valuation Parameters

Price/Book(x)103.718.20.40.40.30.30.20.73.81.1

PMC Fincorp Ltd Stock News

PMC Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of PMC Fincorp on 12-Apr-2024 10:20 is ₹2.65.
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 12-Apr-2024 10:20 the market cap of PMC Fincorp stood at ₹141.0.
The latest P/E ratio of PMC Fincorp as of 12-Apr-2024 10:20 is 17.76.
The latest P/B ratio of PMC Fincorp as of 12-Apr-2024 10:20 is 1.25.
The 52-week high of PMC Fincorp is ₹3.47 and the 52-week low is ₹1.40.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of PMC Fincorp is ₹10.76 ( Cr.) .

About PMC Fincorp Ltd

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