PTC India Financial Services (NSE:PFS) 3-Year RORE % : 25.18% (As of Mar. 2026)


NSE:PFS PTC India Financial Services Ltd NSE:PFS
73 GF Score
Price ₹31.27
GF Value ₹27.06
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is PTC India Financial Services 3-Year RORE %?

PTC India Financial Services NSE:PFS +0.29% 73 3-Year RORE % is 25.18 as of Mar. 2026. GuruFocus rates NSE:PFS with a GF Score™ of 73/100 and a GF Value™ of ₹27.06 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 518 Credit Services companies, PTC India Financial Services ranks better than 70.46% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. PTC India Financial Services's 3-Year RORE % for the quarter that ended in Mar. 2026 was 25.18%.

The industry rank for PTC India Financial Services's 3-Year RORE % or its related term are showing as below:

NSE:PFS's 3-Year RORE % is ranked better than
70.46% of 518 companies
in the Credit Services industry
Industry Median: 8.58 vs NSE:PFS: 25.18

PTC India Financial Services  (NSE:PFS) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


PTC India Financial Services 3-Year RORE % Related Terms


PTC India Financial Services 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for PTC India Financial Services's 3-Year RORE % can be seen below:

* 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.

PTC India Financial Services 3-Year RORE % Chart

PTC India Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.07 49.58 7.35 8.53 25.18

PTC India Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.53 25.78 29.76 23.89 25.18

NSE:PFS vs V, MA, AXP: 3-Year RORE % Comparison

For the Credit Services subindustry, PTC India Financial Services's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PTC India Financial Services's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where PTC India Financial Services's 3-Year RORE % falls into.


NSE:PFS
73GF Score
PTC India Financial Services Ltd NSE:PFS
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PTC India Financial Services 3-Year RORE % Calculation

PTC India Financial Services's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 4.97-2.49 )/( 10.85-1 )
=2.48/9.85
=25.18 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 25.18 mean?
PTC India Financial Services (NSE:PFS) has a 3-Year RORE % of 25.18 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PTC India Financial Services and its competitors. According to the industry distribution chart, PTC India Financial Services ranks #153 out of 518 companies in the Credit Services industry, placing it in the top 29.5%.
Is PTC India Financial Services' 3-Year RORE % too high?
PTC India Financial Services' current 3-Year RORE % is 25.18. The Credit Services industry median 3-Year RORE % is 8.58. PTC India Financial Services' value of 25.18 is 193.5% above this industry median. Based on the distribution chart, PTC India Financial Services ranks #153 out of 518 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #153 out of 518 companies for 3-Year RORE %. This puts PTC India Financial Services in the upper half of its industry. The industry median 3-Year RORE % is 8.58. PTC India Financial Services' value of 25.18 is 193.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 RORE % of 25.18 is 193.5% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PTC India Financial Services and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — 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 RORE % is 25.18. 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 ₹27.06, compared to a current price of ₹31.27 — trading 15.6% above its estimated fair value. The current 3-Year RORE % is 25.18 and 193.5% above the Credit Services industry median of 8.58. PTC India Financial Services' overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For PTC India Financial Services (NSE:PFS), the current 3-Year RORE % is 25.18 as of Mar. 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 ₹31.27 is trading 15.6% above its estimated GF Value™ of ₹27.06. GuruFocus considers PTC India Financial Services to be Modestly Overvalued.

Key valuation signals for NSE:PFS:

  • 3-Year RORE %: 25.18
  • GF Value™: ₹27.06 vs. price of ₹31.27 (15.6% above fair value)
  • GF Score™: 73/100 with 4 warning signs
  • Industry Position: 193.5% above the Credit Services median (#153 of 518)

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 Business Description

Other Exchanges 533344:India
Address 8 Bhikaji Cama Place, 7th Floor, Telephone Exchange Building, New Delhi, IND, 110 066
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 RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹31.27
Price
₹27.06
GF Value