PMC Fincorp Share Price & Earnings Call Analysis

Financials of PMC Fincorp

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of PMC Fincorp

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2.512.713.493.615.798.057.125.133.306.795.064.963.78
Interest0.350.420.430.340.360.170.060.021.030.900.880.880.29
Expenses +1.700.490.320.310.320.530.630.350.780.471.523.053.74
Financing Profit0.461.802.742.965.117.356.434.761.495.422.661.03-0.25
Financing Margin %18.33%66.42%78.51%81.99%88.26%91.30%90.31%92.79%45.15%79.82%52.57%20.77%-6.61%
Other Income +0.000.070.000.000.000.000.000.000.000.000.000.000.00
Depreciation0.020.020.020.020.020.010.020.020.020.020.020.020.02
Profit before tax0.441.852.722.945.097.346.414.741.475.402.641.01-0.27
Tax %0.00%0.00%0.00%0.00%24.36%20.16%16.07%20.04%42.86%24.44%26.14%48.51%51.85%
Net Profit +0.441.842.722.943.855.865.383.790.854.091.950.52-0.41
EPS in Rs0.010.030.040.040.050.080.080.050.010.060.030.01-0.01
Gross NPA %
Net NPA %

Financials of PMC Fincorp

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +29.0014.397.365.708.509.775.437.388.4815.5621.2418.50
Interest3.092.323.582.270.880.860.650.891.571.551.323.37
Expenses +21.0210.482.621.965.386.972.323.9213.251.431.426.27
Financing Profit4.891.591.161.472.241.942.462.57-6.3412.5818.508.86
Financing Margin %16.86%11.05%15.76%25.79%26.35%19.86%45.30%34.82%-74.76%80.85%87.10%47.89%
Other Income +0.000.000.000.000.000.000.000.000.020.100.000.00
Depreciation0.020.130.070.050.030.020.020.010.050.100.070.07
Profit before tax4.871.461.091.422.211.922.442.56-6.3712.5818.438.79
Tax %32.65%39.04%33.03%28.17%27.60%25.00%25.41%28.91%0.00%9.86%22.14%30.03%
Net Profit +3.270.900.721.011.591.441.821.81-6.3611.3514.356.15
EPS in Rs0.050.010.010.010.020.020.030.03-0.090.160.200.09
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%4.96%0.00%

Financials of PMC Fincorp

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital24.3348.6648.6650.9150.9150.9150.9150.9153.4153.4171.2171.21
Reserves31.768.0110.7115.3816.9819.0320.8340.2349.9761.7797.82114.49
Borrowing39.0356.9550.6521.1618.2610.136.2124.6027.4718.5546.230.00
Other Liabilities +4.746.125.431.501.501.792.501.303.102.545.014.22
Total Liabilities99.86119.74115.4588.9587.6581.8680.45117.04133.95136.27220.27189.92
Fixed Assets +0.280.232.442.552.510.060.040.040.320.220.200.14
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments4.1110.7812.429.069.068.894.474.6315.9621.1421.0218.70
Other Assets +95.47108.73100.5977.3476.0872.9175.94112.37117.67114.91199.05171.08
Total Assets99.86119.74115.4588.9587.6581.8680.45117.04133.95136.27220.27189.92

Financials of PMC Fincorp

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-23.077.441.33-9.390.031.87-2.56-31.59-4.1610.03-27.97
Cash from Investing Activity +-1.86-6.75-3.933.200.002.146.340.32-21.20-0.68-1.58
Cash from Financing Activity +25.000.001.975.910.00-4.00-3.9235.7221.43-8.9275.81
Net Cash Flow0.070.70-0.63-0.290.030.01-0.154.45-3.920.4446.25
Free Cash Flow-23.237.361.31-9.400.031.87-2.56-31.61-4.4810.03-28.02
CFO/OP-269%205%36%-240%21%85%-80%-897%72%71%-135%

Financials of PMC Fincorp

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7.80%1.60%1.24%1.61%2.37%2.09%2.57%2.22%-6.54%10.39%10.10%3.47%

Others in Finance this season

  • Muthoot Finance Ltd (Q1 FY27)

    Despite competitive intensity, Muthoot Finance has demonstrated growth; Q1 saw about 6% growth (~INR 9,000 crores). Key concall takeaways from Muthoot Finance…

  • Mahindra & Mahindra Financial Services Ltd (Q1 FY27)

    The company has already seen wheels AUM growth at 11%-12% and non-wheels at 28%-30% in recent quarters. Key concall takeaways from Mahindra & Mahindra…

  • Akiko Global Services Ltd (Q1 FY27)

    Personal loans are growing fastest, with 5%-10% month-on-month growth. Key concall takeaways from Akiko Global Services Ltd's Q1 FY27 earnings call — and how…

  • Max India Ltd (Q1 FY27)

    Care Homes occupancy is improving steadily (e.g., Bannerghatta from 37% to 41%), with potential expansion plans in late FY27. Key concall takeaways from Max…

Compare:vs Bajaj Finance Ltdvs Bajaj Finserv Ltdvs Shriram Finance Ltd