PMC Fincorp Ltd

PMC Fincorp Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

PMC Fincorp Ltd

₹ 1.93 0.52%
29 May - close price
pmcfinance.in BSE: 534060
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

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]

Website BSE
  • Market Cap ₹ 137 Cr.
  • Current Price ₹ 1.93
  • High / Low ₹ 2.56 / 1.48
  • Stock P/E 22.4
  • Book Value ₹ 2.61
  • Dividend Yield 0.52 %
  • ROCE 6.07 %
  • ROE 3.47 %
  • Face Value ₹ 1.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.74 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
2.51 2.71 3.49 3.61 5.79 8.05 7.12 5.13 3.30 6.79 5.06 4.96 3.78
Interest 0.35 0.42 0.43 0.34 0.36 0.17 0.06 0.02 1.03 0.90 0.88 0.88 0.29
1.70 0.49 0.32 0.31 0.32 0.53 0.63 0.35 0.78 0.47 1.52 3.05 3.74
Financing Profit 0.46 1.80 2.74 2.96 5.11 7.35 6.43 4.76 1.49 5.42 2.66 1.03 -0.25
Financing Margin % 18.33% 66.42% 78.51% 81.99% 88.26% 91.30% 90.31% 92.79% 45.15% 79.82% 52.57% 20.77% -6.61%
0.00 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.02 0.02 0.02 0.02 0.02 0.01 0.02 0.02 0.02 0.02 0.02 0.02 0.02
Profit before tax 0.44 1.85 2.72 2.94 5.09 7.34 6.41 4.74 1.47 5.40 2.64 1.01 -0.27
Tax % 0.00% 0.00% 0.00% 0.00% 24.36% 20.16% 16.07% 20.04% 42.86% 24.44% 26.14% 48.51% 51.85%
0.44 1.84 2.72 2.94 3.85 5.86 5.38 3.79 0.85 4.09 1.95 0.52 -0.41
EPS in Rs 0.01 0.03 0.04 0.04 0.05 0.08 0.08 0.05 0.01 0.06 0.03 0.01 -0.01
Gross NPA %
Net NPA %
Raw PDF

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: 18%
5 Years: 2%
3 Years: 3%
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
-1.86 -6.75 -3.93 3.20 0.00 2.14 6.34 0.32 -21.20 -0.68 -1.58
25.00 0.00 1.97 5.91 0.00 -4.00 -3.92 35.72 21.43 -8.92 75.81
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
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
CFO/OP -269% 205% 36% -240% 21% 85% -80% -897% 72% 71% -135%

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 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Loan Assets (Gross Loans & Advances)
INR Lakhs

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Number of Shareholders
Number
Secured Loan Portfolio
INR Lakhs
Employee Strength (Permanent Employees)
Number

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
19.34% 19.34% 19.74% 20.03% 20.03% 20.13% 20.13% 20.13% 20.13% 20.89% 20.89% 20.89%
80.67% 80.66% 80.25% 79.96% 79.97% 79.88% 79.88% 79.88% 79.87% 79.12% 79.11% 79.12%
No. of Shareholders 1,25,8751,25,6271,27,4881,29,8741,36,7431,44,0641,77,6601,82,1291,81,2301,81,1311,80,4301,76,491

Documents

Announcements

Annual reports