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PTC India Financial ServicesNSE:PFS +2.45%73 3-Year EBITDA Growth Rate is 18.30% as of Jun. 2026, which is 18% below its 10-year median of 22.30. GuruFocus rates NSE:PFS with a GF Score™ of 73/100 and a GF Value™ of ₹26.12 (Fairly Valued). The stock has 3 warning signs investors should review. Among 319 Credit Services companies, PTC India Financial Services ranks better than 60.82% on this metric.
During the past 12 months, PTC India Financial Services's average EBITDA Per Share Growth Rate was -17.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 18.30% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 24.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of PTC India Financial Services was 135.10% per year. The lowest was -31.50% per year. And the median was 22.30% per year.
PTC India Financial Services (NSE:PFS) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
PTC India Financial Services 3-Year EBITDA Growth Rate Related Terms
NSE:PFS vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, PTC India Financial Services's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PTC India Financial Services 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PTC India Financial Services's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where PTC India Financial Services's 3-Year EBITDA Growth Rate falls into.
PTC India Financial Services 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 18.30% mean?
PTC India Financial Services (NSE:PFS) has a 3-Year EBITDA Growth Rate of 18.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PTC India Financial Services and its competitors. This is 18% below median its historical median of 22.30. According to the industry distribution chart, PTC India Financial Services ranks #125 out of 319 companies in the Credit Services industry, placing it in the top 39.2%.
Is PTC India Financial Services' 3-Year EBITDA Growth Rate too high?
PTC India Financial Services' current 3-Year EBITDA Growth Rate of 18.30% is 18% below median its 10-year median of 22.30. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. PTC India Financial Services' value of 18.30% is 101.1% above this industry median. Based on the distribution chart, PTC India Financial Services ranks #125 out of 319 companies in the Credit Services industry, which is above the industry midpoint. Overall, PTC India Financial Services has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #125 out of 319 companies for 3-Year EBITDA Growth Rate. This puts PTC India Financial Services in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. PTC India Financial Services' value of 18.30% is 101.1% above this benchmark. While the company's 10-year median is 22.30 vs. the industry median of 9.10, PTC India Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PTC India Financial Services's current 3-Year EBITDA Growth Rate of 18.30% is 101.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PTC India Financial Services and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PTC India Financial Services's current 3-Year EBITDA Growth Rate is 18.30%, which is 18% below median its own 10-year median of 22.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PTC India Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PTC India Financial Services (NSE:PFS) is currently considered Fairly Valued. The stock's GF Value™ is ₹26.12, compared to a current price of ₹28.41 — trading 8.8% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 18.30%, which is 18% below median its 10-year median of 22.30 and 101.1% above the Credit Services industry median of 9.10. PTC India Financial Services' overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For PTC India Financial Services (NSE:PFS), the current 3-Year EBITDA Growth Rate is 18.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PTC India Financial Services (NSE:PFS) Overvalued in 2026?
Based on GuruFocus' analysis, PTC India Financial Services stock appears to be overvalued.
The current stock price of ₹28.41 is trading 8.8% above its estimated GF Value™ of ₹26.12.
GuruFocus considers PTC India Financial Services to be Fairly Valued.
Key valuation signals for NSE:PFS:
3-Year EBITDA Growth Rate: 18.30% (18% below median its 10-year median of 22.30)
GF Value™: ₹26.12 vs. price of ₹28.41 (8.8% above fair value)
Industry Position: 101.1% above the Credit Services median (#125 of 319)
No single metric tells the full story. See the NSE:PFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PTC India Financial Services Ltd provides total financial services to the entities in the energy value chain, which inter alia includes investing in equity and extending debt to power projects in generation, transmission, distribution, fuel sources, fuel-related infrastructures like gas pipelines, LNG terminals, ports, equipment manufacturers, and EPC contractors. The company also provides non-fund-based financial services, adding value to greenfield and brownfield projects at various stages of growth and development. The company is an India-based Non-Banking Financial company.
73GF Score
Get the complete analysis for NSE:PFS
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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