PMC Fincorp - PMC Fincorp

📊 BSE: 534060 🏢 Non Banking Financial Company (NBFC) 📅 Last Updated: 11/13/2025 15:25

💰 Financial Performance

Revenue Growth by Segment

Not disclosed in available documents; however, the company reported an all-time high profit for the second consecutive year of INR 14.34 Crores for FY 2024-25.

Profitability Margins

Net profit reached INR 14.34 Crores in FY 2024-25, representing an all-time high for the company. Specific margin percentages are not provided, but performance is noted to be volatile due to quarterly mark-to-market accounting of holdings.

Capital Expenditure

The company raised INR 48 Crores through a rights issue of equity shares during FY 2024-25, which has been successfully deployed into expanding lending and investing operations.

⚙️ Operational Drivers

Raw Materials

Not applicable as the company operates in the financial services and investment sector.

Import Sources

Not applicable.

Key Suppliers

Not applicable.

Capacity Expansion

The company is expanding its lending and capital market operations following the deployment of INR 48 Crores raised via rights issue in FY 2024-25.

Raw Material Costs

Not applicable.

Manufacturing Efficiency

Not applicable.

Logistics & Distribution

Not applicable.

📈 Strategic Growth

Expected Growth Rate

Not disclosed in available documents

Growth Strategy

The company plans to achieve growth by deploying INR 48 Crores from its rights issue into expanded lending and investment portfolios. The strategy involves optimizing and repositioning portfolios based on emerging market trends, focusing on fundamental developments rather than just market sentiment, and identifying entry/exit opportunities in the capital markets.

Products & Services

Inter-corporate loans, equity investments, and capital market operations.

Brand Portfolio

PMC Fincorp

New Products/Services

Gradual alignment and expansion of capital market operations and steady expansion of the lending portfolio.

Market Expansion

The company is targeting broader market recovery, specifically focusing on blue-chip stocks followed by mid and small-cap segments as market conditions stabilize.

🌍 External Factors

Industry Trends

The Indian IPO market is expected to grow, with fundraising forecasted at USD 23 Billion for FY 2025-26, up from USD 19.6 Billion. The entry of new-age companies like Zomato into the Nifty 50 reflects a shifting economic landscape that the company aims to track.

Competitive Landscape

Operates in a competitive NBFC and investment sector influenced by government spending and corporate profitability outlooks.

Competitive Moat

The company's moat is built on a non-leveraged investment strategy and a focus on long-term fundamental trends, which helped safeguard positions during the market volatility of late 2024.

Macro Economic Sensitivity

Highly sensitive to global trade policies and interest rate projections, particularly following the US Presidential election on November 5, 2024, and the subsequent 'America First' policy shifts.

Consumer Behavior

Not applicable.

Geopolitical Risks

Risks include the Russia-Ukraine war entering its third year, Middle East conflicts, and potential trade wars between the US and China/India affecting global economic landscapes.

⚖️ Regulatory & Governance

Industry Regulations

Compliance with the Companies Act, 2013 and SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company maintains an Audit Committee, Nomination and Remuneration Committee, and Stakeholders' Relationship Committee.

Legal Contingencies

No strictures or penalties were imposed on the company by Stock Exchanges, SEBI, or any statutory authority regarding capital market matters during the financial years 2022-23, 2023-24, and 2024-25.

⚠️ Risk Analysis

Key Uncertainties

Quarterly financial performance is subject to high volatility due to the accounting principle of recording holdings at market value. Systematic risks inherent to business operations and global trade negotiations pose significant uncertainties.