PTC India Financial [PFS] vs Fino Payments Bank [FINOPB] Detailed Comparison
PTC India Financial
Fino Payments Bank
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) | 12.13 | 25.21 | PTC India Financial |
| Price-to-Book Ratio | 0.96 | 3.11 | PTC India Financial |
| Debt-to-Equity Ratio | 103.87 | 1.12 | Fino Payments Bank |
| PEG Ratio | 6.78 | 21.02 | PTC India Financial |
| EV/EBITDA | 16.33 | N/A | N/A |
| Profit Margin (TTM) | 69.67% | 5.30% | PTC India Financial |
| Operating Margin (TTM) | 100.73% | 6.35% | PTC India Financial |
| EBITDA Margin (TTM) | 100.73% | 6.35% | PTC India Financial |
| Return on Equity | 8.20% | 13.31% | Fino Payments Bank |
| Return on Assets (TTM) | 3.56% | 2.43% | PTC India Financial |
| Free Cash Flow (TTM) | $11.35B | $-883.20M | PTC India Financial |
| 1-Year Return | -25.15% | -6.85% | Fino Payments Bank |
| Price-to-Sales Ratio (TTM) | 8.46 | 1.33 | Fino Payments Bank |
| Enterprise Value | $45.79B | $20.55B | PTC India Financial |
| EV/Revenue Ratio | 14.70 | 1.18 | Fino Payments Bank |
| Gross Profit Margin (TTM) | 48.73% | N/A | N/A |
| Revenue per Share (TTM) | $5 | $210 | Fino Payments Bank |
| Earnings per Share (Diluted) | $3.38 | $11.08 | Fino Payments Bank |
| Beta (Stock Volatility) | 0.66 | 0.67 | PTC India Financial |
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 | -1.77% | -1.46% | -1.21% | 22.15% | 16.53% | -3.91% |
| Fino Payments Bank | -2.61% | -0.18% | 1.12% | 10.70% | -2.41% | -13.70% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PTC India Financial | -25.15% | 176.95% | 136.94% | -2.06% | 73.53% | 73.53% |
| Fino Payments Bank | -6.85% | 3.42% | -48.50% | -48.50% | -48.50% | -48.50% |
Performance & Financial Health Analysis: PTC India Financial vs Fino Payments Bank
| Metric | PFS | FINOPB |
|---|---|---|
| Market Information | ||
| Market Cap | ₹26.34B | ₹23.26B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 1,008,887 | 695,432 |
| 90 Day Avg. Volume | 1,072,257 | 1,538,587 |
| Last Close | ₹41.00 | ₹272.65 |
| 52 Week Range | ₹29.41 - ₹62.30 | ₹200.00 - ₹467.00 |
| % from 52W High | -34.19% | -41.62% |
| All-Time High | ₹73.15 (Jan 12, 2015) | ₹582.95 (Nov 08, 2021) |
| % from All-Time High | -43.95% | -53.23% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.31% | 0.24% |
| Quarterly Earnings Growth | 3.20% | -0.05% |
| Financial Health | ||
| Profit Margin (TTM) | 0.70% | 0.05% |
| Operating Margin (TTM) | 1.01% | 0.06% |
| Return on Equity (TTM) | 0.08% | 0.13% |
| 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 | ₹132.96 |
| Operating Cash Flow (TTM) | ₹11.39B | ₹-4,507,100,160 |
| 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) | 12.13 | 25.21 |
| Forward P/E | 6.78 | 21.02 |
| PEG Ratio | 6.78 | 21.02 |
| Price to Sales (TTM) | 8.46 | 1.33 |
| Price to Book (MRQ) | 0.96 | 3.11 |
| Market Capitalization | ||
| Market Capitalization | ₹26.34B | ₹23.26B |
| Enterprise Value | ₹45.79B | ₹20.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 14.70 | 1.18 |
| Enterprise to EBITDA | 16.33 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.66 | 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 | ₹1.49B | ₹4.68B |
| Cost of Goods Sold | ₹761.84M | N/A |
| Gross Profit | ₹724.03M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | ₹705.37M | N/A |
| EBITDA | ₹723.29M | N/A |
| Pre-Tax Income | ₹750.97M | ₹297.00M |
| Income Tax | ₹169.39M | ₹57.00M |
| Net Income (Profit) | ₹581.57M | ₹240.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFS | FINOPB |
|---|---|---|
| Cash & Equivalents | ₹7.63B | ₹11.04B |
| Total Current Assets | ₹53.54B | N/A |
| Total Current Liabilities | ₹58.50M | N/A |
| Long-Term Debt | ₹28.61B | ₹8.39B |
| Total Shareholders Equity | ₹27.54B | ₹7.47B |
| Retained Earnings | N/A | 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) | 1,008,887 | 695,432 |
| Average Daily Volume (90 Day) | 1,072,257 | 1,538,587 |
| Shares Outstanding | 642.28M | 83.22M |
| Float Shares | 224.73M | 19.33M |
| % Held by Insiders | 0.00% | 0.75% |
| % Held by Institutions | 0.71% | 0.10% |
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 |
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