PTC India Financial Services Limited — Updates, 28-01-2025: Press Release

• Q3FY25 PAT stands at ₹67.14 crores, up 34% from ₹50.37 crores in Q3FY24. The company disbursed ₹300 crores, a significant increase from ₹161 crores in the same quarter a year ago. Return on Net Worth (annualized) rose to 10.09%, improving from 8.11% year-over-year, while ROA (annualized) also showed growth to 4.51% from 2.69%. The Yield on Earning Portfolio remained stable at 11.42%.

• For the nine months ending December 2024, loan disbursements reached ₹866 crores, compared to ₹570 crores for the corresponding period in the previous year, with PAT increasing to ₹158.89 crores from ₹146.91 crores.

• The company indicates a focus on enhancing asset quality, with Net Stage III assets reducing to ₹280 crores from ₹329 crores year-over-year. The Provision Coverage Ratio for Stage III assets improved to 62.63% from 57.64%, reflecting a more robust financial position.

• Management emphasizes commitment to sustainable business practices, citing increased infrastructure spending as a growth driver. They express optimism regarding resolving stressed assets in the near term, making this a watch closely situation for investors.