PTC India Financial [PFS] vs Fino Payments Bank [FINOPB] Detailed Stock Comparison
PTC India Financial
NSE
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Fino Payments Bank
NSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: PTC India Financial wins in 10 metrics, Fino Payments Bank wins in 7 metrics, with 0 ties. PTC India Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PTC India Financial | Fino Payments Bank | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.90 | 26.26 | PTC India Financial |
| Price-to-Book Ratio | 0.89 | 3.00 | PTC India Financial |
| Debt-to-Equity Ratio | 103.87 | 1.12 | Fino Payments Bank |
| PEG Ratio | 0.04 | -0.97 | Fino Payments Bank |
| EV/EBITDA | 15.39 | N/A | N/A |
| Profit Margin (TTM) | 77.05% | 4.89% | PTC India Financial |
| Operating Margin (TTM) | 92.30% | 5.79% | PTC India Financial |
| EBITDA Margin (TTM) | 92.30% | 5.79% | PTC India Financial |
| Return on Equity | 7.88% | 12.39% | Fino Payments Bank |
| Return on Assets (TTM) | 3.82% | 2.20% | PTC India Financial |
| Free Cash Flow (TTM) | $11.35B | $-883.20M | PTC India Financial |
| 1-Year Return | -32.09% | -32.80% | PTC India Financial |
| Price-to-Sales Ratio (TTM) | 6.14 | 1.28 | Fino Payments Bank |
| Enterprise Value | $43.91B | $19.88B | PTC India Financial |
| EV/Revenue Ratio | 10.94 | 1.13 | Fino Payments Bank |
| Gross Profit Margin (TTM) | 49.65% | N/A | N/A |
| Revenue per Share (TTM) | $6 | $211 | Fino Payments Bank |
| Earnings per Share (Diluted) | $4.82 | $10.29 | Fino Payments Bank |
| Beta (Stock Volatility) | 0.44 | 0.67 | PTC India Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
PTC India Financial vs Fino Payments Bank Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PTC India Financial | -1.52% | -2.17% | -1.50% | -3.00% | 22.15% | -13.67% |
| Fino Payments Bank | -1.68% | -6.76% | 5.29% | -0.97% | 19.54% | -18.11% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PTC India Financial | -32.09% | 143.51% | 108.33% | -11.35% | 55.60% | 55.60% |
| Fino Payments Bank | -32.80% | 5.73% | -51.16% | -51.16% | -51.16% | -51.16% |
News Based Sentiment: PTC India Financial vs Fino Payments Bank
PTC India Financial
News based Sentiment: MIXED
September brought a surprising surge in profitability for PTC India Financial Services, despite a decline in total income. This positive development is tempered by continued technical sell signals and previous analyst concerns about downside risk, creating a mixed investment picture. The new CEO appointment adds another layer of uncertainty and potential for change.
Fino Payments Bank
News based Sentiment: MIXED
Fino Payments Bank reported strong growth in throughput and digital payments, but a decline in Profit After Tax creates a mixed investment narrative. The company's strategic move towards becoming a Small Finance Bank adds another layer to the story, making this a moderately significant month for investors.
Performance & Financial Health Analysis: PTC India Financial vs Fino Payments Bank
| Metric | PFS | FINOPB |
|---|---|---|
| Market Information | ||
| Market Cap | ₹24.58B | ₹22.76B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 360,728 | 296,410 |
| 90 Day Avg. Volume | 491,069 | 273,337 |
| Last Close | ₹37.50 | ₹265.65 |
| 52 Week Range | ₹29.41 - ₹55.99 | ₹200.00 - ₹446.45 |
| % from 52W High | -33.02% | -40.50% |
| All-Time High | ₹73.15 (Jan 12, 2015) | ₹582.95 (Nov 08, 2021) |
| % from All-Time High | -48.74% | -54.43% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.32% | 0.03% |
| Quarterly Earnings Growth | 2.08% | -0.27% |
| Financial Health | ||
| Profit Margin (TTM) | 0.77% | 0.05% |
| Operating Margin (TTM) | 0.92% | 0.06% |
| Return on Equity (TTM) | 0.08% | 0.12% |
| Debt to Equity (MRQ) | 103.87 | 1.12 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹42.88 | ₹89.94 |
| Cash per Share (MRQ) | ₹14.26 | ₹132.43 |
| Operating Cash Flow (TTM) | ₹11.53B | ₹1.41B |
| Levered Free Cash Flow (TTM) | ₹2.17B | ₹925.30M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | ₹0.00 | N/A |
Valuation & Enterprise Metrics Analysis: PTC India Financial vs Fino Payments Bank
| Metric | PFS | FINOPB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.90 | 26.26 |
| Forward P/E | 6.29 | 20.33 |
| PEG Ratio | 0.04 | -0.97 |
| Price to Sales (TTM) | 6.14 | 1.28 |
| Price to Book (MRQ) | 0.89 | 3.00 |
| Market Capitalization | ||
| Market Capitalization | ₹24.58B | ₹22.76B |
| Enterprise Value | ₹43.91B | ₹19.88B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.94 | 1.13 |
| Enterprise to EBITDA | 15.39 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.44 | 0.67 |
| Book Value per Share (MRQ) | ₹42.88 | ₹89.94 |
Financial Statements Comparison: PTC India Financial vs Fino Payments Bank
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PFS | FINOPB |
|---|---|---|
| Revenue/Sales | ₹1.40B | ₹4.68B |
| Cost of Goods Sold | ₹707.00M | N/A |
| Gross Profit | ₹697.30M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | ₹1.46B | N/A |
| EBITDA | ₹1.48B | N/A |
| Pre-Tax Income | ₹1.46B | ₹297.00M |
| Income Tax | ₹96.80M | ₹57.00M |
| Net Income (Profit) | ₹1.37B | ₹240.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFS | FINOPB |
|---|---|---|
| Cash & Equivalents | ₹7.63B | ₹11.04B |
| Total Current Assets | ₹23.68B | N/A |
| Total Current Liabilities | ₹11.56B | N/A |
| Long-Term Debt | ₹17.69B | ₹8.39B |
| Total Shareholders Equity | ₹27.54B | ₹7.47B |
| Retained Earnings | ₹3.20B | N/A |
| Property, Plant & Equipment | ₹75.70M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFS | FINOPB |
|---|---|---|
| Operating Cash Flow | N/A | ₹216.41M |
| Capital Expenditures | N/A | ₹-243.62M |
| Free Cash Flow | N/A | ₹-235.43M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PFS | FINOPB |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Average Daily Volume (10 Day) | 360,728 | 296,410 |
| Average Daily Volume (90 Day) | 491,069 | 273,337 |
| Shares Outstanding | 642.28M | 83.22M |
| Float Shares | 224.73M | 19.17M |
| % Held by Insiders | 0.00% | 0.75% |
| % Held by Institutions | 0.71% | 0.08% |
Dividend Analysis & Yield Comparison: PTC India Financial vs Fino Payments Bank
| Metric | PFS | FINOPB |
|---|---|---|
| Last 12-Month Dividend | ₹0.00 | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | ₹0.33 | N/A |
| 3-Year Avg Dividend Yield | 3.42% | N/A |
| 3-Year Total Dividends | ₹1.00 | N/A |
| Ex-Dividend Date | Sep 05, 2023 | N/A |