PMC Fincorp Ltd
₹ 1.80
-0.55%
16 Jul
- close price
About
PMC Fincorp Ltd was incorporated in 1985 to undertake the business of Financial Services. It is engaged in activities such as Corporate and Personal Finance, Debt Syndication, Private Placement, Arranger Distribution & Marketing of financial Products Dealing & Investment in Stock Market. The company went public in 1988. [1]
Key Points
- Market Cap ₹ 128 Cr.
- Current Price ₹ 1.80
- High / Low ₹ 2.56 / 1.48
- Stock P/E 20.8
- Book Value ₹ 2.61
- Dividend Yield 0.56 %
- ROCE 6.07 %
- ROE 3.47 %
- Face Value ₹ 1.00
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.69 times its book value
- Company has delivered good profit growth of 27.6% CAGR over last 5 years
Cons
- Promoter holding is low: 20.9%
- Company has a low return on equity of 7.43% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 29.00 | 14.39 | 7.36 | 5.70 | 8.50 | 9.77 | 5.43 | 7.38 | 8.48 | 15.56 | 21.24 | 18.50 | |
| Interest | 3.09 | 2.32 | 3.58 | 2.27 | 0.88 | 0.86 | 0.65 | 0.89 | 1.57 | 1.55 | 1.32 | 3.37 |
| 21.02 | 10.48 | 2.62 | 1.96 | 5.38 | 6.97 | 2.32 | 3.92 | 13.25 | 1.43 | 1.42 | 6.27 | |
| Financing Profit | 4.89 | 1.59 | 1.16 | 1.47 | 2.24 | 1.94 | 2.46 | 2.57 | -6.34 | 12.58 | 18.50 | 8.86 |
| Financing Margin % | 16.86% | 11.05% | 15.76% | 25.79% | 26.35% | 19.86% | 45.30% | 34.82% | -74.76% | 80.85% | 87.10% | 47.89% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.10 | 0.00 | 0.00 | |
| Depreciation | 0.02 | 0.13 | 0.07 | 0.05 | 0.03 | 0.02 | 0.02 | 0.01 | 0.05 | 0.10 | 0.07 | 0.07 |
| Profit before tax | 4.87 | 1.46 | 1.09 | 1.42 | 2.21 | 1.92 | 2.44 | 2.56 | -6.37 | 12.58 | 18.43 | 8.79 |
| Tax % | 32.65% | 39.04% | 33.03% | 28.17% | 27.60% | 25.00% | 25.41% | 28.91% | 0.00% | 9.86% | 22.14% | 30.03% |
| 3.27 | 0.90 | 0.72 | 1.01 | 1.59 | 1.44 | 1.82 | 1.81 | -6.36 | 11.35 | 14.35 | 6.15 | |
| EPS in Rs | 0.05 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.03 | 0.03 | -0.09 | 0.16 | 0.20 | 0.09 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.96% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 28% |
| 3 Years: | 30% |
| TTM: | -13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 28% |
| 3 Years: | 44% |
| TTM: | -57% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | -4% |
| 3 Years: | 8% |
| 1 Year: | -18% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 4% |
| 3 Years: | 7% |
| Last Year: | 3% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24.33 | 48.66 | 48.66 | 50.91 | 50.91 | 50.91 | 50.91 | 50.91 | 53.41 | 53.41 | 71.21 | 71.21 |
| Reserves | 31.76 | 8.01 | 10.71 | 15.38 | 16.98 | 19.03 | 20.83 | 40.23 | 49.97 | 61.77 | 97.82 | 114.49 |
| Borrowing | 39.03 | 56.95 | 50.65 | 21.16 | 18.26 | 10.13 | 6.21 | 24.60 | 27.47 | 18.55 | 46.23 | 0.00 |
| 4.74 | 6.12 | 5.43 | 1.50 | 1.50 | 1.79 | 2.50 | 1.30 | 3.10 | 2.54 | 5.01 | 4.22 | |
| Total Liabilities | 99.86 | 119.74 | 115.45 | 88.95 | 87.65 | 81.86 | 80.45 | 117.04 | 133.95 | 136.27 | 220.27 | 189.92 |
| 0.28 | 0.23 | 2.44 | 2.55 | 2.51 | 0.06 | 0.04 | 0.04 | 0.32 | 0.22 | 0.20 | 0.14 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 4.11 | 10.78 | 12.42 | 9.06 | 9.06 | 8.89 | 4.47 | 4.63 | 15.96 | 21.14 | 21.02 | 18.70 |
| 95.47 | 108.73 | 100.59 | 77.34 | 76.08 | 72.91 | 75.94 | 112.37 | 117.67 | 114.91 | 199.05 | 171.08 | |
| Total Assets | 99.86 | 119.74 | 115.45 | 88.95 | 87.65 | 81.86 | 80.45 | 117.04 | 133.95 | 136.27 | 220.27 | 189.92 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -23.07 | 7.44 | 1.33 | -9.39 | 0.03 | 1.87 | -2.56 | -31.59 | -4.16 | 10.03 | -27.97 | -6.74 | |
| -1.86 | -6.75 | -3.93 | 3.20 | 0.00 | 2.14 | 6.34 | 0.32 | -21.20 | -0.68 | -1.58 | 3.57 | |
| 25.00 | 0.00 | 1.97 | 5.91 | 0.00 | -4.00 | -3.92 | 35.72 | 21.43 | -8.92 | 75.81 | -41.05 | |
| Net Cash Flow | 0.07 | 0.70 | -0.63 | -0.29 | 0.03 | 0.01 | -0.15 | 4.45 | -3.92 | 0.44 | 46.25 | -44.22 |
| Free Cash Flow | -23.23 | 7.36 | 1.31 | -9.40 | 0.03 | 1.87 | -2.56 | -31.61 | -4.48 | 10.03 | -28.02 | -6.75 |
| CFO/OP | -269% | 205% | 36% | -240% | 21% | 85% | -80% | -897% | 72% | 71% | -135% | -22% |
Ratios
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 7.80% | 1.60% | 1.24% | 1.61% | 2.37% | 2.09% | 2.57% | 2.22% | -6.54% | 10.39% | 10.10% | 3.47% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Investment Portfolio INR Lakhs |
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| Loan Book (Loans and Advances) INR Lakhs |
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| Borrowings (Inter-Corporate Loans and Borrowings) INR Lakhs |
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| CRAR (Capital to Risk-Weighted Assets Ratio) % |
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| Number of Permanent Employees count |
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| Corporate Sector Exposure (Loans) INR Lakhs |
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| Other Sector Exposure (Loans) INR Lakhs |
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Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
7 Jul - Compliance Reg 74(5) of SEBI (DP) Regulation 2018 for the quarter June 30, 2026
- Closure of Trading Window 19 Jun
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
30 May - Audited Results publication on newspaper for the year ended March 31, 2026
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Disclosure Of Statement On Deviation Or Variation For Proceeds Of Preferential Issue (Warrant Allotment)
28 May - No deviation in utilisation of Rs 589.5 lakh warrant proceeds for quarter ended March 31, 2026.
- Audited Standalone Financial Results Of The Company For The Quarter And Year Ended March 31, 2026 28 May
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
Business
The Company is registered with the Reserve Bank of India as a Non-Systemically Important Non-Banking Financial Company not accepting public deposits (NBFC-ND-NSI).[1]