PFS vs TFL: Stock Comparison
PTC INDIA FIN SERV is the larger company by market capitalisation. PTC INDIA FIN SERV shows a higher ROE, a higher ROCE and a higher net margin, while TRANSWARRANTY FIN. shows faster revenue growth. These are relative readings on individual metrics — weigh valuation against growth, margins, leverage and capital efficiency rather than treating any single number as decisive.
Metric snapshot
PFS leads 7; TFL leads 2 of 10
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✓ marks the usual favourable reading; it is not a recommendation.
Key Differences
Each difference is a single, relative reading — StockeZee does not name an overall winner.
Profile
| Metric | PFS | TFL |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Non Banking Financial Company (NBFC) | Non Banking Financial Company (NBFC) |
Price
| Metric | PFS | TFL |
|---|---|---|
| Live Price | ₹25.2 | ₹11.3 |
| Day Change | -0.79% | -0.96% |
| Volume | 2.72 L | 572 |
| 52-Week High | ₹36.49 | ₹18.5 |
| 52-Week Low | ₹23.16 | ₹10.21 |
| Distance from 52W High | -30.94% | -38.92% |
Valuation
| Metric | PFS | TFL |
|---|---|---|
| Market Cap | ₹1,619 Cr | ₹66 Cr |
| P/E Ratio | 9.07x | — |
| P/B Ratio | 0.51x | — |
| EPS | ₹0.69 | ₹-0.02 |
| Book Value | ₹47.95 | ₹5.2 |
| Dividend Yield | 0% | 0% |
Growth
| Metric | PFS | TFL |
|---|---|---|
| Revenue Growth (TTM YoY) | -55.5% | 94.2% |
| EPS Growth (TTM YoY) | -62.4% | 0% |
| Qtr Sales Growth | 6.66% | 0.19% |
| Qtr Profit Growth | 9.44% | 7.77% |
Profitability & Leverage
Debt-to-equity is shown for reference only — it is not a like-for-like metric for banks and financials.| Metric | PFS | TFL |
|---|---|---|
| ROE | 10.37% | -6.01% |
| ROCE | 10.56% | 2.48% |
| Net Margin | 56.8% | -30.67% |
| Operating Margin | 119.36% | 18.23% |
| Debt to Equity | 0.57x | 0.65x |
Shareholding
As of Sep 2026 • change vs previous quarter| Metric | PFS | TFL |
|---|---|---|
| Promoter Holding | 64.99% | 1.07% |
| FII Holding | 1.56%▼ 0.47 pp | 0% |
| DII Holding | 5.07%▲ 0.02 pp | 0% |
| Public Holding | 28.37%▲ 0.44 pp | 46.01% |
How to Read This Comparison
Valuation ratios (P/E, P/B) use the latest consolidated figures where available; growth numbers compare against the same period last year; shareholding percentages come from the most recent quarterly filings, with the change shown against the prior quarter. A "more favourable" highlight is relative between these two companies only — it is not a rating, a recommendation, or a comparison against the wider sector. Rows with no reported data for either company are hidden rather than shown empty.
Deep-dive each company on its stock page for quarterly results, technicals, filings and the full peer set: PTC INDIA FIN SERV and TRANSWARRANTY FIN..
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Data source: NSE and company filings via StockeZee. This comparison is informational — it is not investment advice, and StockeZee is not a SEBI-registered investment adviser.