Pmc Fincorp Ltd
Ticker: PMCFIN
Risky
48/100
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Investing Reference
Price
1.89
Market Cap
134.58
Debt/Equity
0.2735
ROE %
10.098
PB
0.7962
Promoter %
20.890
Pledge %
0.000
1Y Rev Growth %
35.632
5Y Rev Growth %
16.802
NP Margin %
67.561
NP Margin 5Y Avg %
24.615
Trading Reference
1M Return %
-1.508
6M Return %
-15.625
1Y Return %
-52.632
% Away 52W High
120.635
% Away 52W Low
7.386
Daily Volume
1716277
Investment Verdict
Buy
Score 88/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 20/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
PMC Fincorp Ltd shows potential for growth but faces significant challenges.
✅ Positives
- Strong loan book growth in recent quarters
- Improving asset quality metrics
- Strategic focus on digital lending solutions
⚠️ Negatives
- High competition in the lending sector
- Regulatory risks impacting operations
- Recent volatility in stock price
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider accumulating on dips.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 30/10/2025
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Business Overview
Pmc Fincorp Ltd is a leading financial services company in India, dedicated to empowering individuals and businesses through innovative financial solutions. Catering to a diverse clientele, it offers a range of services including loans, investment products, and advisory services. With a strong commitment to customer satisfaction and financial inclusion, Pmc Fincorp plays a vital role in supporting economic growth. Its robust business model, experienced leadership, and focus on technology-driven solutions make it a trusted partner for financial success.
- Established player in the Indian financial sector
- Wide range of financial products and services
- Focus on customer-centric solutions
- Strong commitment to financial inclusion
- Experienced leadership and innovative approach
Investment Thesis
PMC Fincorp Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustainable growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services portfolio aligns with market trends and consumer preferences.
- Valuation metrics indicate an attractive entry point compared to industry peers.
- Robust risk management practices mitigate potential financial pitfalls.
- Positive macroeconomic factors support growth in the financial services sector.
Opportunity vs Risk
Opportunities
- Strong growth in financial services
- Expanding digital banking solutions
- Increasing demand for personal loans
- Strategic partnerships with fintech companies
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the sector
- Economic downturn affecting loan repayments
- Potential credit risk from borrowers
Peer Perspective
Pmc Fincorp Ltd trades at a discount compared to peers like Bajaj Finance and HDFC Ltd, primarily due to concerns over margin stability. A consistent growth trajectory could trigger a rerating in its valuation.
AI FAQs for Retail Users
- Q: What does Pmc Fincorp Ltd do?A: Pmc Fincorp Ltd is involved in financial services, including lending and investment activities.
- Q: Is Pmc Fincorp Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: How can I buy shares of Pmc Fincorp Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in Pmc Fincorp Ltd?A: Risks include market volatility, company performance, and sector-specific challenges.
- Q: Where can I find financial reports for Pmc Fincorp Ltd?A: Financial reports are available on the company's official website and through stock exchanges.
📊 Stock Investment Checklist (100 Points)
Pmc Fincorp Ltd • Updated: 2025-09-17 06:12:17
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8BusinessHighThe sector is evolving with digital finance, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with recent fluctuations.
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10ProfitabilityHighROE and ROCE are moderate, with cash flow issues affecting net profit.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is stable, but there are some concerns about disclosures.
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5DriversGoodGrowth catalysts exist, but execution risks are significant.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Pmc Fincorp Ltd shows potential in a growing sector, but faces significant risks and inconsistencies in performance metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100