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PMC Fincorp

₹2.8 0 | 1.4%

Market Cap ₹152 Cr.

Stock P/E 16.5

P/B 1.3

Current Price ₹2.8

Book Value ₹ 2.1

Face Value 1

52W High ₹3.5

Dividend Yield 0%

52W Low ₹ 1.4

PMC Fincorp Research see more...

Overview Inc. Year: 1985Industry: Finance - Investment

PMC Fincorp Limited is an investment and holding company that engages in various trade and business activities. The company was incorporated in 1985 and is based in Rampur, Uttar Pradesh. PMC Fincorp invests in various ventures and projects by way of capital, loan, equity participation, and financial assistance. The company also provides loan against securities, business loans, and overdraft facilities to its customers. The company aims to provide easy liquidity and flexible repayment options to its customers. The company also deals in silver articles and has a subsidiary, Priti Mercantile Company Limited, which is engaged in the business of trading in silver and gold.

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PMC Fincorp Share Price

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PMC Fincorp Quarterly Results

#(Fig in Cr.) Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 1 1 2 3 2 2 2 3 3 4
Other Income 0 0 0 0 0 0 0 0 1 0
Total Income 1 1 2 3 2 2 2 3 3 4
Total Expenditure 0 0 0 3 1 11 0 0 0 0
Operating Profit 1 1 1 0 1 -9 2 2 3 3
Interest Expense 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 -0 0 0 0 0 0 0
Profit Before Tax 0 1 1 -0 1 -9 2 2 3 3
Provision for Tax 0 0 0 1 0 0 0 0 0 0
Profit After Tax 0 1 1 -1 1 -9 2 2 3 3
Adjustments 0 0 0 0 0 0 0 0 -0 0
Profit After Adjustments 0 1 1 -1 1 -9 2 2 3 3
Adjusted Earnings Per Share 0 0 0 -0 0 -0.2 0 0 0.1 0.1

PMC Fincorp Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Operating Revenue 8 10 29 14 7 6 8 10 5 7 9 12
Other Income 0 0 0 0 0 0 0 0 0 0 0 1
Total Income 8 10 29 14 7 6 8 10 5 7 9 12
Total Expenditure 4 5 21 10 3 2 5 7 2 4 14 0
Operating Profit 4 5 8 4 5 4 3 3 3 3 -5 10
Interest Expense 2 3 3 2 4 2 1 1 1 1 2 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 2 2 5 1 1 1 2 2 2 3 -6 10
Provision for Tax 1 1 2 1 0 0 1 0 1 1 -0 0
Profit After Tax 1 1 3 1 1 1 2 1 2 2 -6 10
Adjustments 0 0 0 0 0 0 0 1 -0 0 0 0
Profit After Adjustments 1 1 3 1 1 1 2 2 2 2 -6 10
Adjusted Earnings Per Share 0 0 0.1 0 0 0 0 0 0 0 -0.1 0.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 29% -3% 8% 1%
Operating Profit CAGR -267% NAN% NAN% NAN%
PAT CAGR -400% NAN% NAN% NAN%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 47% 27% 45% -28%
ROE Average -8% -1% 0% 2%
ROCE Average -4% 1% 2% 4%

PMC Fincorp Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 27 28 56 57 59 66 68 70 72 91 103
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Current Liability 70 69 44 63 56 22 19 12 8 25 30
Other Liabilities & Provisions 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 97 97 100 120 115 89 88 82 80 117 134
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 2 2 4 11 15 11 11 9 4 5 16
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Loans 0 0 0 0 0 0 0 0 0 0 0
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 94 95 95 109 101 77 76 73 76 112 118
Total Assets 97 97 100 120 115 89 88 82 80 117 134

PMC Fincorp Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 1 0 0 0 1 0 0 0 0 -0 4
Cash Flow from Operating Activities -8 0 -23 7 1 -9 0 2 -3 -32 -4
Cash Flow from Investing Activities 7 -0 -2 -7 -4 3 0 2 6 0 -21
Cash Flow from Financing Activities 0 0 25 0 2 6 0 -4 -4 36 21
Net Cash Inflow / Outflow -1 0 0 1 -1 -0 0 0 -0 4 -4
Closing Cash & Cash Equivalent 0 0 0 1 0 0 0 0 -0 4 1

PMC Fincorp Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 0.03 0.03 0.07 0.02 0.01 0.02 0.03 0.03 0.04 0.04 -0.12
CEPS(Rs) 0.03 0.03 0.07 0.02 0.02 0.02 0.03 0.03 0.04 0.04 -0.12
DPS(Rs) 0.05 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 0.55 0.58 1.15 1.16 1.18 1.3 1.33 1.37 1.41 1.45 1.73
Net Profit Margin 16.99 12.73 11.29 6.22 9.81 17.77 18.75 14.69 33.41 24.55 -70.47
Operating Margin 49.84 48.3 27.41 26.31 63.42 64.72 36.34 28.39 56.81 46.67 -53.11
PBT Margin 23.98 18.77 16.77 10.18 14.77 24.88 25.95 19.62 44.8 34.55 -70.48
ROA(%) 1.68 1.32 3.32 0.82 0.61 0.99 1.81 1.69 2.24 1.84 -5.07
ROE(%) 5.49 4.71 7.81 1.59 1.27 1.64 2.38 2.08 2.56 2.49 -7.66
ROCE(%) 5.03 5.1 8.32 3.63 4.17 3.74 3.56 3.34 3.91 3.56 -3.89
Price/Earnings(x) 216.76 2250.38 311.29 24.46 28.99 20.6 12.78 8.51 28.57 155.34 0
Price/Book(x) 11.74 103.69 18.17 0.39 0.36 0.31 0.3 0.17 0.72 3.81 1.12
Dividend Yield(%) 0.21 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 44.84 293.58 36.48 5.41 9.68 7.35 4.53 2.27 10.7 40.87 14.46
EV/Core EBITDA(x) 89.47 604.87 132.73 19.89 15.02 11.2 12.33 7.94 18.7 87.2 -27.5
Interest Earned Growth(%) 0.05 18.88 188.57 -50.39 -48.86 -22.48 49 15 -44.42 35.88 22.32
Net Profit Growth 75.79 -10.97 156.04 -72.65 -19.42 40.45 57.25 -9.93 26.46 -0.15 -451.05
EPS Growth(%) 75.79 -10.84 153.01 -72.66 -19.4 34.18 57.29 -9.9 26.6 -0.28 -434.55
Interest Coverage(x) % 1.93 1.64 2.58 1.63 1.3 1.62 3.5 3.24 4.73 3.85 -3.06

PMC Fincorp Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 20.29 20.29 19.34 19.34 19.34 19.34 19.34 19.34 19.74 20.03
FII 0 0 0 0 0 0 0 0 0 0
DII 0 0 0 0 0 0 0 0 0 0
Public 79.71 79.71 80.66 80.66 80.66 80.66 80.66 80.66 80.26 79.97
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Promoter holding is low: 20.03%.
  • Company has a low return on equity of -1% over the last 3 years.
  • Debtor days have increased from 0 to 63.58days.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

PMC Fincorp News

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