PMC Fincorp Ltd - Stock Valuation and Financial Performance

BSE: 534060 | NSE: | Finance - Investment | Small Cap

PMC Fincorp Share Price

2.48 -0.05 -1.98%
as on 27-Feb'25 16:59

DeciZen - make an informed investing decision on PMC Fincorp

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

PMC Fincorp stock performance -
2.48 0.000.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
9.35
Market Cap:
176.6 Cr.
52-wk low:
1.9
52-wk high:
5.3

Is PMC Fincorp Ltd an attractive stock to invest in?

1. Is PMC Fincorp Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that PMC Fincorp Ltd is a below average quality company.

2. Is PMC Fincorp Ltd undervalued or overvalued?

The key valuation ratios of PMC Fincorp Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is PMC Fincorp Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of PMC Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of PMC Fincorp:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
PMC Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
2914.47.45.78.59.85.47.48.511.525
YoY Gr. Rt. %
--50.4%-48.9%-22.6%49.1%14.9%-44.4%35.9%14.9%35.6%-
Adj EPS (₹ )
0.10000000-0.10.20.3
YoY Gr. Rt. %
--66.7%-50%100%50%0%0%0%-466.7%NA-
BVPS (₹ )
111.11.21.21.21.31.31.51.72.5
YoY Gr. Rt. %
-1%1.9%10.5%1.7%3.4%2.5%3.2%18.6%13.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
3.30.80.611.81.72.21.8-5.18.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-9.8%6.2%28.4%35.6%
Adj EPS13.7%44.7%85%NA
BVPS6.1%8%11.4%13.1%
Share Price -18.9% 52.6% -11.8% -3.5%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Margins
Net Profit Margin (%)
11.36.29.817.818.814.733.424.6-75.198.778.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
7.81.61.31.62.42.12.62.5-7.711.610.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.80%

Total Income has increased 28.42 CAGR in last 3 years

Net Profit has increased 85.02 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - PMC Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 0.3 -
TTM Sales (₹ Cr.) 24.5 -
BVPS (₹.) 2.5 -
Reserves (₹ Cr.) 105 -
P/BV 1.00 -
PE 9.35 -
From the Market
52 Week Low / High (₹) 1.89 / 5.25
All Time Low / High (₹) 0.14 / 108.59
Market Cap (₹ Cr.) 177
Equity (₹ Cr.) 71.2
Face Value (₹) 1
Industry PE 49.9

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income5.4 156.47.3 169.46.9 136.94.9 84.8
Adj EPS (₹)0.07 6000.11 266.70.09 800.05 0
Net Profit Mgn %66.40 4882 bps72.83 495 bps77.52 -1515 bps73.90 -754 bps

Management X-Ray of PMC Fincorp:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:20.13%Institutions:0%Non-Institutions:79.87%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of PMC Fincorp

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of PMC Fincorp

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Paul Merchants 796.1 4.1 (0.5%) Small Cap 6,502 26.5 0.4 30 0.5
JM Financial 95.8 -2.6 (-2.6%) Small Cap 4,761 4 0.6 23.9 1
IIFL Finance 316.9 3.6 (1.2%) Small Cap 4,604 -6.7 12.7 - 2.1
Altius Telecom Infra 150 0 (0%) Small Cap 4,146 - 100.9 - -
Embassy Office Parks 367.6 12.1 (3.4%) Small Cap 3,816 - 25.3 - -
INDIGRID 141.2 0.3 (0.2%) Small Cap 2,717 - 38.6 - -
Authum Inv. & Infra 1,495.3 -9.1 (-0.6%) Small Cap 2,412 234.3 121.2 6.4 1.9
Capri Global Capital 165 -1.6 (-0.9%) Small Cap 2,313 4.7 12.1 35.5 3.3
Centrum Capital 27.1 -0 (-0.2%) Small Cap 2,207 -4 -3.2 - 3.9
IIFL Capital Service 228 -4.9 (-2.1%) Small Cap 2,161 24.7 23.8 9.2 2.9
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income29147681057816
Interest Income29147681057811
Other Income 0000000004
Expenditure 2413646835153
Interest Expense 3242111122
Operating Expenses 211122511122
Provisions 00000613120
Exceptional Items 0000000000
Profit Before Tax 51112223-613
Taxes 2100101101
Profit After Tax 31112122-611
Adjusted EPS (₹)0.10.00.00.00.00.00.00.0-0.10.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital565757666870727492104
Share Capital 24494951515151515353
Reserves 328915171921233951
Minority Interest0000000000
Long Term Borrowings0000000000
Current Liabilities 4463562219128253021
Trade Payables2440000001
Short term borrowings3957512118106252719
Other Liabilities-41-61-53-21-18-10-6-7-16-8
Total Liabilities 10012011589888280117134136

Assets

Non Current Asset 4111512129551621
Loan Asset 0000000000
Other Non Current Asset 4111512129551621
Current Asset 9510910177767376112118115
Current Investment0000000000
Other Current Asset9510910177767376112118115
Total Assets 10012011589888280117134136

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -2371-902-3-32-410
Cash Flow From Investing Activity -2-7-430260-21-1
Cash Flow From Financing Activity 250260-4-43621-9
Net Cash Flow 01-100004-40
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)2111111122

Performance Ratios

ROA (%)3.30.80.61.01.81.72.21.8-5.18.4
ROE (%)7.81.61.31.62.42.12.62.5-7.711.6
ROCE (%)8.33.64.23.73.63.33.93.6-3.910.7

Valuation Parameters

Price/Book(x)18.20.40.40.30.30.20.73.81.11.2

PMC Fincorp Ltd Stock News

PMC Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of PMC Fincorp on 27-Feb-2025 16:59 is ₹2.48.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 27-Feb-2025 16:59 the market cap of PMC Fincorp stood at ₹176.6.
The latest P/E ratio of PMC Fincorp as of 27-Feb-2025 16:59 is 9.35.
The latest P/B ratio of PMC Fincorp as of 27-Feb-2025 16:59 is 1.00.
The 52-week high of PMC Fincorp is ₹5.25 and the 52-week low is ₹1.89.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of PMC Fincorp is ₹24.52 ( Cr.) .

About PMC Fincorp Ltd

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