PTC India Financial ServicesNSE:PFS -0.13%74 PS Ratio is 4.08 as of Jul. 01, 2026, which is 200% above its 10-year median of 1.36. GuruFocus rates NSE:PFS with a GF Score™ of 74/100 and a GF Value™ of ₹27.08 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 521 Credit Services companies, PTC India Financial Services ranks worse than 62.19% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, PTC India Financial Services's share price is ₹31.34.
PTC India Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹7.68. Hence, PTC India Financial Services's PS Ratio for today is 4.08.
Warning Sign:
PTC India Financial Services Ltd stock PS Ratio (=4.1) is close to 1-year high of 4.4.
The historical rank and industry rank for PTC India Financial Services's PS Ratio or its related term are showing as below:
NSE:PFS'
s PS Ratio Range Over the Past 10 Years
Min: 0.37 Med: 1.36 Max: 5.5
Current: 4.07
During the past 13 years, PTC India Financial Services's highest PS Ratio was 5.50. The lowest was 0.37. And the median was 1.36.
NSE:PFS's PS Ratio is ranked worse than 62.19% of 521
companies
in the Credit Services industry
Industry Median: 2.89
vs NSE:PFS: 4.07
PTC India Financial Services Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of PTC India Financial Services was -24.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -13.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -14.40% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -10.10% per year.
During the past 13 years, PTC India Financial Services's highest 3-Year average Revenue per Share Growth Rate was 124.70% per year. The lowest was -18.10% per year. And the median was -1.40% per year.
Back to Basics: PS Ratio
PTC India Financial Services (NSE:PFS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
PTC India Financial Services PS Ratio Related Terms
PTC India Financial Services PS Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, PTC India Financial Services's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PTC India Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where PTC India Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
PTC India Financial Services's Share Price of today is ₹31.34. PTC India Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹7.68.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
PTC India Financial Services (NSE:PFS) has a PS Ratio of 4.08 as of Jul. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PTC India Financial Services and its competitors. This is 200% above median its historical median of 1.36. Over the past decade, PTC India Financial Services' PS Ratio has ranged from 0.37 to 5.50. According to the industry distribution chart, PTC India Financial Services ranks #324 out of 521 companies in the Credit Services industry, placing it in the top 62.2%.
Is PTC India Financial Services' PS Ratio too high?
PTC India Financial Services' current PS Ratio of 4.08 is 200% above median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 5.50. The Credit Services industry median PS Ratio is 2.89. PTC India Financial Services' value of 4.08 is 41.2% above this industry median. Based on the distribution chart, PTC India Financial Services ranks #324 out of 521 companies in the Credit Services industry, which is below the industry midpoint. Overall, PTC India Financial Services has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #324 out of 521 companies for PS Ratio. This places PTC India Financial Services in the lower half of its industry. The industry median PS Ratio is 2.89. PTC India Financial Services' value of 4.08 is 41.2% above this benchmark. Historically, PTC India Financial Services' own PS Ratio has ranged from 0.37 to 5.50 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 2.89, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PTC India Financial Services's current PS Ratio of 4.08 is 41.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PTC India Financial Services and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PTC India Financial Services's current PS Ratio is 4.08, which is 200% above median its own 10-year median of 1.36. 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 Modestly Overvalued. The stock's GF Value™ is ₹27.08, compared to a current price of ₹31.34 — trading 15.7% above its estimated fair value. The current PS Ratio is 4.08, which is 200% above median its 10-year median of 1.36 and 41.2% above the Credit Services industry median of 2.89. PTC India Financial Services' overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For PTC India Financial Services (NSE:PFS), the current PS Ratio is 4.08 as of Jul. 01, 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 ₹31.34 is trading 15.7% above its estimated GF Value™ of ₹27.08.
GuruFocus considers PTC India Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:PFS:
PS Ratio: 4.08 (200% above median its 10-year median of 1.36)
GF Value™: ₹27.08 vs. price of ₹31.34 (15.7% above fair value)
Industry Position: 41.2% above the Credit Services median (#324 of 521)
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.
74GF Score
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