Finance company PTC India Financial Services announced Q1FY26 results Q1FY26 PAT at Rs 136.63 crore compared to Rs 44.40 crore in Q1FY25. Q1FY26 disbursement at Rs 138 crore compared to Rs 566 crore in Q1FY25. Return on Networth (annualized) improved to 19.36% in Q1FY26 compared to 6.94% in Q1FY25. ROA (annualized) is 9.77% in Q1FY26 compared to 2.77% in Q1FY25. Yield on Earning Portfolio is at 11.05% in Q1FY26 compared to 11.39% in Q1FY25. Gross Stage III improved to Rs 440 crore in Q1FY26 compared to Rs 767 crore in Q1FY25. Provision Coverage Ratio for Stage III assets improved to 62.04% in Q1FY26 from 71.30% in Q1FY25. Management Commentary: "Building on the progress achieved this quarter—with visible traction in resolving legacy exposures—we remain firmly focused on accelerating the resolution of Gross Stage III assets, the majority of which are expected to be addressed in the near term. This will further strengthen asset quality and unlock capital for growth. With key leadership positions now in place, we are well-positioned to drive strategic execution, reinforce risk management, and scale high-potential segments such as SME and sustainable infrastructure finance. We expect the disbursement momentum to continue, supported by a robust pipeline and improving macro tailwinds. While AUM may fluctuate in the short term due to prepayments, we are confident of returning to steady growth with a high-quality, diversified portfolio. Backed by a strong pipeline and supportive macroeconomic trends. While AUM may see short-term fluctuations due to prepayments, we remain confident of returning to a trajectory of steady, high-quality growth supported by a welldiversified portfolio. As we transition into a new phase of growth, our focus will remain on profitable expansion, operational excellence, and delivering innovative, customer-centric solutions aligned with our long-term sustainability vision." Result PDF
Conference Call with PTC India Financial Services Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.