PMC Fincorp

BSE: PMCFIN · Non Banking Financial Company (NBFC)

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Snapshot

Unlock PMC Fincorp's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

PMC Fincorp Limited is an Indian non-banking financial company that provides corporate and personal loans, trade financing, and investment services. It focuses on delivering credit solutions to small and medium enterprises and individual clients to support their working capital and investment needs.

Business Model

The company operates as a non-deposit taking NBFC, generating revenue primarily through interest income from its loan portfolio and capital gains from its financial investments.

Growth Outlook

Growth is driven by the expansion of credit solutions for its niche client base and active management of its diverse financial product portfolio.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers default on their corporate or personal loan obligations.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact its operational flexibility.
  • Market Risk. Fluctuations in financial markets can adversely affect the value of the company's investment portfolio and overall profitability.
  • Liquidity Risk. The company may face challenges in managing its cash flows if it cannot secure cost-effective funding to meet its lending commitments.

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Key Metrics

REVENUE

₹21 Cr

TTM · standalone

-12.8%YoY

NET PROFIT

₹6 Cr

TTM · standalone

-61.3%YoY

EPS

₹0.09

TTM · standalone

-67.9%YoY

RETURN ON EQUITY

3.6%

TTM · standalone

-8.7 ppYoY

P/E

20.0x

Q4 FY26 · standalone

20.0 vs 11.3x5Y avg

NET PROFIT MARGIN

-10.8%

Q4 FY26 · standalone

-36.6 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
PMC FincorpPMCFIN
₹122 Cr19.00-12.8%3.6%-19.0%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials