BOM/532810 (BOM/532810)

Bombay Stock Exchange: BOM/532810 · INR

₹317

+2.00 (+0.6%)· Recorded snapshot

Market cap	1T
Revenue (ttm)	478.1B
Net income (ttm)	260.5B
EPS (ttm)	₹78.9
P/E (trailing)	4.0x
P/E (forward)	5.3x
Dividend	₹18.8 (5.92%)
Volume	361,419

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 478.1B
Net income (ttm): 260.5B
EPS (ttm): ₹78.9
P/E (trailing): 4.0x
P/E (forward): 5.3x
Market cap: 1T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E5.3

P25 n/aP50 n/aP75 n/a

Trailing P/E4

P25 n/aP50 n/aP75 n/a

ROEn/a

P25 n/aP50 n/aP75 n/a

ROIC3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BOM/532810 indicators

Market & fundamental data

Available fields

211

Groups with data

Currency

INR

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-11-06
Employees	552
Employees change	12
Employees growth	2.22%
Exchange	Bombay Stock Exchange
Financial currency	INR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	March
Founded	1986
Industry	Credit Services
Is primary listing	No
ISIN number	INE134E01011
Last earnings date	2026-08-07
Last refreshed	2026-10-28
Last stock split date	2023-09-21
Last stock split type	Forward
Market cap	INR 1T
Next earnings date	2026-11-06
Price	INR 316.80
Price currency	INR
Sector	Financials
SIC code	6159
Stock price date	2026-10-28
Symbol	bom/532810
Website	https://www.pfcindia.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.15x
Average P/E ratio (10Y)	4.73x
Average P/E ratio (3Y)	5.99x
Average P/E ratio (5Y)	4.58x
Earnings yield	24.91%
FCF yield	14.57%
Forward P/E	5.27x
Graham number	1000.88004
Graham upside	217.94%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 1,238.59
Lynch upside	293.45%
P/B ratio	0.56x
P/E ratio	4.01x
P/FCF ratio	6.86x
P/OCF ratio	6.71x
P/S ratio	2.18x
Price / tangible book value	0.73x
Sector forward P/E	12.12x
Sector P/E	13.42x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.6%
FCF margin	31.74%
Gross margin	99.22%
Operating margin	94.32%
Pretax margin	89.76%
Profit margin	54.48%
Profit per employee	INR 471.9M
Profitable quarters	37
Profitable years	23
Revenue per employee	INR 866M
ROA (5Y)	2.63%
ROE (5Y)	20.89%
ROIC	2.97%
ROIC (5Y)	2.87%
Tax / revenue	19.39%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	7.12%
EPS growth (Q)	2.11%
EPS growth (QoQ)	0.19%
EPS growth 10Y	24.4%
EPS growth 3Y	15.17%
EPS growth 5Y	15.73%
EPS growth quarters	16
EPS growth years	6
Net income growth	7.13%
Net income growth (Q)	2.12%
Net income growth (QoQ)	0.19%
Net income growth 3Y	15.17%
Net income growth 5Y	15.73%
Net income growth quarters	16
Net income growth years	6
Operating income growth	6.71%
Operating income growth (Q)	3.11%
Operating income growth 3Y	14.81%
Operating income growth 5Y	16.55%
Revenue growth	0.53%
Revenue growth (Q)	0.78%
Revenue growth (QoQ)	-21.48%
Revenue growth 10Y	27.46%
Revenue growth 3Y	15.53%
Revenue growth 5Y	15.48%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	INR -3.4B
Depreciation and amortization	INR 663.1M
EPS	INR 78.93
Financing cash flow	INR -114.5B
Free cash flow	INR 151.7B
Gross profit	INR 474.3B
Income taxes	INR 92.7B
Investing cash flow	INR -21.7B
Net borrowing	INR -34.7B
Net cash flow	INR 18.9B
Net income	INR 260.5B
Operating income	INR 450.9B
Revenue	INR 478.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	INR 433.11
Debt / equity	5.37
Debt / FCF	66.2
Net cash (debt)	INR -9.7T
Net cash / market cap	-927.13%
Net debt / equity	5.16
Net debt / FCF	63.64
Piotroski F-Score	2
Property, plant and equipment	INR 8.7B
Shareholders' equity	INR 1.9T
Tangible book value	INR 1.4T
Tangible book value per share	INR 433.05
Total assets	INR 12.5T
Total cash	INR 388.3B
Total debt	INR 10T
Total liabilities	INR 10.6T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	36.78
Quick ratio	36.63
Working capital	INR 11.9T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.01%
Dividend growth	15.38%
Dividend growth (10Y)	12.93%
Dividend growth (3Y)	20.94%
Dividend growth (5Y)	13.86%
Dividend growth years	3
Dividend payment date	2026-09-06
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	INR 18.75
Dividend yield	5.92%
Ex-dividend date	2026-08-27
Last dividend	INR 3.90
Payout ratio	30.65%
Shareholder yield	5.95%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	218.84%
10Y return CAGR	18.96%
10Y total return	467.17%
150-day SMA	INR 398.41
15Y price change	436.59%
15Y return CAGR	18.07%
15Y total return	1,108.24%
1D price change	0.64%
1M price change	-6.47%
1M total return	-6.47%
1W price change	-4.51%
1W total return	-4.51%
1Y price change	-20.27%
1Y return CAGR	-16.37%
1Y total return	-16.36%
20-day SMA	INR 327.13
200-day SMA	INR 397.92
3M price change	-24.58%
3M total return	-23.05%
3Y price change	33.33%
3Y return CAGR	14.86%
3Y total return	51.53%
50-day SMA	INR 342.67
50-day SMA vs 200-day SMA	50under200
52-week high	INR 486.45
52-week high date	2026-04-28
52-week low	INR 310.45
52-week low date	2026-10-26
5Y price change	183.06%
5Y return CAGR	30.87%
5Y total return	283.77%
6M price change	-33.29%
6M total return	-31.94%
All-time high	INR 580.35
All-time high date	2024-07-12
All-time low	INR 34.48
All-time low date	2008-10-27
Average true range (ATR)	INR 8.47
Average volume	962.1K
Change from 52-week high	-34.88%
Change from 52-week low	2.05%
Change from all-time high	-45.41%
Change from all-time low	818.79%
Change from open	0.44%
Day's gap	0.19%
Dollar volume	INR 114.5M
High price	INR 319.05
Low price	INR 312.50
Monthly RSI	41.25
Open price	INR 315.40
Position in 52-week range	65.65%
Previous close	INR 314.80
Price vs 150-day SMA	-20.48%
Price vs 20-day SMA	-3.16%
Price vs 200-day SMA	-20.39%
Price vs 50-day SMA	-7.55%
Relative volume	0.37
RSI	34.68
Sharpe ratio	-0.64
Sharpe ratio (3Y)	0.41
Sharpe ratio (5Y)	0.81
Sortino ratio	-0.69
Sortino ratio (3Y)	0.73
Sortino ratio (5Y)	1.37
Volume	361.4K
Weekly RSI	28.96
YTD price change	-10.86%
YTD total return	-7.43%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.4B
Shares change (QoQ)	-0%
Shares change (YoY)	0.01%
Shares held by insiders	0%
Shares held by institutions	26.75%

Deeper analysis on BOM/532810

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BOM/532810 report

Is a complete BOM/532810 research report available?

No complete published report is available for bom/532810 (BOM/532810) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BOM/532810 (BOM/532810)

Price

Financial snapshot

Fair-value bridge

Latest news · BOM/532810

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BOM/532810 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BOM/532810

Frequently asked questions