Power Finance Corporation Ltd.
NSE: PFC · Financial Institution
Snapshot
Unlock Power Finance Corporation Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Power Finance Corporation Limited is a non-banking financial company that provides comprehensive financial products and advisory services specifically tailored to India's power sector. Its portfolio spans the entire energy value chain, including generation, transmission, and distribution projects.
Business Model
The company generates revenue primarily through interest income on fund-based lending, including project loans, debt refinancing, and corporate loans. It also earns fees from non-fund based services such as guarantees, letters of comfort, and consultancy engagements.
Growth Outlook
Growth is driven by the increasing demand for financing in renewable energy projects, such as solar and wind, alongside the modernisation of India's power distribution infrastructure. The company continues to expand its role in funding grid-connected projects and energy-saving initiatives.
Key Risks
- Asset Quality Risk. The company faces significant credit risk due to the financial instability of state-owned power distribution companies (DISCOMs) which are major borrowers.
- Concentration Risk. As a sector-specific lender, the company is highly vulnerable to policy shifts and economic downturns within the Indian power industry.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing for its capital-intensive power projects.
- Regulatory Risk. Changes in government regulations regarding power sector subsidies and environmental policies could adversely affect the viability of financed projects.
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Key Metrics
REVENUE
₹1,15,431 Cr
TTM · consolidated
NET PROFIT
₹33,642 Cr
TTM · consolidated
EPS
₹78.93
TTM · consolidated
RETURN ON EQUITY
26.8%
TTM · consolidated
P/E
4.0×
Q1 FY27 · consolidated
NET PROFIT MARGIN
31.5%
Q1 FY27 · consolidated
Peers · Financial Institution
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Power Finance Corporation Ltd.PFC | ₹1.14L Cr | 4.0× | — | 4.6% | — | 26.8% | — | -22.7% |
Indian Railway Finance Corporation Ltd.IRFC | ₹1.06L Cr | 14.0× | — | 4.9% | — | 13.1% | — | -38.6% |
REC Ltd.RECLTD | ₹82,025 Cr | 4.7× | — | 2.0% | — | 19.6% | — | -23.8% |
Housing & Urban Development Corporation Ltd.HUDCO | ₹35,618 Cr | 7.6× | — | 25.9% | — | 21.3% | — | -30.5% |
Indian Renewable Energy Development Agency Ltd.IREDA | ₹31,182 Cr | 15.8× | — | — | — | 16.3% | — | -27.3% |
IFCI Ltd.IFCI | ₹21,417 Cr | 101.8× | — | 4.8% | — | 4.9% | — | +17.7% |
As of Q1 FY27
Financials
Power Finance Corporation Ltd.
NSE: PFC · Financial Institution
Snapshot
Unlock Power Finance Corporation Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Power Finance Corporation Limited is a non-banking financial company that provides comprehensive financial products and advisory services specifically tailored to India's power sector. Its portfolio spans the entire energy value chain, including generation, transmission, and distribution projects.
Business Model
The company generates revenue primarily through interest income on fund-based lending, including project loans, debt refinancing, and corporate loans. It also earns fees from non-fund based services such as guarantees, letters of comfort, and consultancy engagements.
Growth Outlook
Growth is driven by the increasing demand for financing in renewable energy projects, such as solar and wind, alongside the modernisation of India's power distribution infrastructure. The company continues to expand its role in funding grid-connected projects and energy-saving initiatives.
Key Risks
- Asset Quality Risk. The company faces significant credit risk due to the financial instability of state-owned power distribution companies (DISCOMs) which are major borrowers.
- Concentration Risk. As a sector-specific lender, the company is highly vulnerable to policy shifts and economic downturns within the Indian power industry.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing for its capital-intensive power projects.
- Regulatory Risk. Changes in government regulations regarding power sector subsidies and environmental policies could adversely affect the viability of financed projects.
Start your research today
Unlock AI insights, financials, peers and live data on Power Finance Corporation Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,15,431 Cr
TTM · consolidated
NET PROFIT
₹33,642 Cr
TTM · consolidated
EPS
₹78.93
TTM · consolidated
RETURN ON EQUITY
26.8%
TTM · consolidated
P/E
4.0x
Q1 FY27 · consolidated
NET PROFIT MARGIN
31.5%
Q1 FY27 · consolidated
Peers · Financial Institution
As of Q1 FY27