Q3 2025 PTC India Financial Services Ltd Earnings Call Transcript
Key Points
- PTC India Financial Services Ltd (BOM:533344) reported a significant improvement in financial performance with a profit before tax of ₹81 crore, higher than the previous quarter and the corresponding quarter of last year.
- The company achieved a milestone by having the auditor drop qualifications on its financial statements, indicating improved financial health.
- There was a notable increase in disbursements, with ₹300 crore disbursed in the current quarter compared to NIL in the last quarter, marking a positive trend.
- PTC India Financial Services Ltd (BOM:533344) has successfully resolved some legacy issues, including a reversal of provisions amounting to ₹11.33 crore, contributing positively to cash flow and profit.
- The company has received an in-principle approval for a ₹500 crore lending line from a financial institution, which is expected to enhance its lending capacity and growth prospects.
- The cost of borrowed funds increased to 9.57% in the quarter, which could impact profitability if not managed effectively.
- The company's net interest margin is at 4.46%, and there is a concern that it may decrease as the company increases leverage.
- PTC India Financial Services Ltd (BOM:533344) is still working on resolving significant NPAs, with some cases like Danu accounting for a substantial portion of the loan book.
- The company faces challenges in diversifying its funding sources, with 97%-98% of funding currently coming from banks, primarily public sector banks.
- There is uncertainty regarding the timing of a credit rating upgrade, which is contingent on resolving asset quality issues and improving financial performance.
Ladies and gentlemen, good day. And welcome to the Q3 F 525 Investor Conference Call hosted by PTC India Financial Services Limited. (Operator instructions)
I now hand the conference over to Ms. Priya Chaudhary. Thank you and over to you, Miss Chaudhury.
Thank you. Good morning, everyone. I'm Priya Chaudhary. I'm Head Investor Relations at PFS.
Welcome to Q3 FY25 investor call for PTC India Financial.
We are delighted to have this opportunity to connect with our stakeholders to discuss the company's performance, strategic priorities. And the way ahead, the past quarter has been marked by progress in our key focus area which shall provide us a stepping stone for the growth going forward.
So, focus on resolving legacy issues of NPA financials to disbursement of â¹866 crore till Q3 FY25. Compared to â¹585 crore the whole of last financial year to positive cash flows across a LM bucket just to name a few with sectoral tailwinds of increased infras
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