PFC
Premier Financial Corp. Common Stock
stock NASDAQ

You mentioned PFC and REC in the mental model, as it only makes sense to buy when the P/B ratio compresses to 0.7-0.8 as thats where the new cycle will start. Looks like its trading around those zones, wouldnt it then make sense to purchase from a tactical view even if its not a long term compounder of capital?

|Stock|Qty|Avg Buy|CMP|Invested|Current|P/L|P/L %|
|:-|:-|:-|:-|:-|:-|:-|:-|
|DCI|20|₹272.00|₹344|₹5,440|₹6,880|**+₹1,440**|**+26.5%**|
|HDFC Bank|15|₹694.00|₹721|₹10,410|₹10,815|\+₹405|\+3.9%|
|Castrol|50|₹195.00|₹198|₹9,750|₹9,900|\+₹150|\+1.5%|
|Morealty|135|₹86.14|₹85|₹11,628|₹11,475|\-₹153|\-1.3%|
|ITBees|150|₹32.51|₹32|₹4,877|₹4,800|\-₹77|\-1.6%|
|FMCGIETF|200|₹48.85|₹47|₹9,770|₹9,400|\-₹370|\-3.8%|
|LICI|20|₹408.00|₹391|₹8,160|₹7,820|\-₹340|\-4.2%|
|Silverbees|70|₹219.90|₹209|₹15,393|₹14,630|\-₹763|\-5.0%|
|TMCV|15|₹447.00|₹418|₹6,705|₹6,270|\-₹435|\-6.5%|
|ONGC|81|₹242.10|₹223|₹19,610|₹18,063|\-₹1,547|\-7.9%|
|Coal India|34|₹472.00|₹422|₹16,048|₹14,348|\-₹1,700|\-10.6%|
|PFC|65|₹356.19|₹317|₹23,153|₹20,605|\-₹2,548|\-11.0%|
|HDFC Life|70|₹602.80|₹534|₹42,196|₹37,380|\-₹4,816|\-11.4%|
|IOC|77|₹152.21|₹132|₹11,720|₹10,164|\-₹1,556|\-13.3%|
|Greenpanel|149|₹186.32|₹158|₹27,761|₹23,542|\-₹4,219|\-15.2%|
|ITC|63|₹318.97|₹256|₹20,095|₹16,128|\-₹3,967|\-19.7%|
|TMPV|60|₹369.58|₹279|₹22,175|₹16,740|\-₹5,435|\-24.5%|
|Bajaj HFL|231|₹114.47|₹83|₹26,442|₹19,173|\-₹7,269|\-27.5%|
|Colpal|7|₹2,447.14|₹1,740|₹17,130|₹12,180|\-₹4,950|\-28.9%|
|Infosys|15|₹1,449.00|₹1,029|₹21,735|₹15,435|\-₹6,300|\-29.0%|
|Vedanta|75|₹356.79|₹252|₹26,760|₹18,900|\-₹7,860|\-29.4%|
|IREDA|140|₹159.55|₹111|₹22,337|₹15,540|\-₹6,797|\-30.4%|
|GrowwRail|50|₹37.50|₹26|₹1,875|₹1,300|\-₹575|\-30.7%|
|Jio Financial|106|₹324.76|₹212|₹34,425|₹22,472|**-₹11,953**|**-34.7%**|
|Shakti Pumps|5|₹873|₹453|₹4,365|₹2,265|\-₹2,100|\-48.1%|
|Kellton Tech|175|₹28.50|₹12|₹4,987|₹2,100|\-₹2,887|\-57.9%|
|AWL|37|₹508.11|₹176|₹18,800|₹6,512|**-₹12,288**|**-65.4%**|
|**TOTAL**||||**₹4,43,746**|**₹3,54,837**|**-₹88,909**|**-20.0%**|
I currently have \~₹4.44L invested in direct stocks/ETFs, with the portfolio worth \~₹3.55L, so I'm sitting at roughly **₹89k unrealised loss (\~20%)**.
I made the mistake earlier of accumulating too many small positions and averaging some stocks without a clear allocation strategy. I'm now trying to consolidate the portfolio and focus more on quality + dividends.
Goal is **long-term wealth creation + building a decent dividend stream**, not short-term trading.

PFC

PFC share.

Just 0.7% down. I brought PFC and then same day it dived 3%. Now down to 22%

You mentioned PFC and REC in the mental model, as it only makes sense to buy when the P/B ratio compresses to 0.7-0.8 as thats where the new cycle will start. Looks like its trading around those zones, wouldnt it then make sense to purchase from a tactical view even if its not a long term compounder of capital?

|Stock|Qty|Avg Buy|CMP|Invested|Current|P/L|P/L %|
|:-|:-|:-|:-|:-|:-|:-|:-|
|DCI|20|₹272.00|₹344|₹5,440|₹6,880|**+₹1,440**|**+26.5%**|
|HDFC Bank|15|₹694.00|₹721|₹10,410|₹10,815|\+₹405|\+3.9%|
|Castrol|50|₹195.00|₹198|₹9,750|₹9,900|\+₹150|\+1.5%|
|Morealty|135|₹86.14|₹85|₹11,628|₹11,475|\-₹153|\-1.3%|
|ITBees|150|₹32.51|₹32|₹4,877|₹4,800|\-₹77|\-1.6%|
|FMCGIETF|200|₹48.85|₹47|₹9,770|₹9,400|\-₹370|\-3.8%|
|LICI|20|₹408.00|₹391|₹8,160|₹7,820|\-₹340|\-4.2%|
|Silverbees|70|₹219.90|₹209|₹15,393|₹14,630|\-₹763|\-5.0%|
|TMCV|15|₹447.00|₹418|₹6,705|₹6,270|\-₹435|\-6.5%|
|ONGC|81|₹242.10|₹223|₹19,610|₹18,063|\-₹1,547|\-7.9%|
|Coal India|34|₹472.00|₹422|₹16,048|₹14,348|\-₹1,700|\-10.6%|
|PFC|65|₹356.19|₹317|₹23,153|₹20,605|\-₹2,548|\-11.0%|
|HDFC Life|70|₹602.80|₹534|₹42,196|₹37,380|\-₹4,816|\-11.4%|
|IOC|77|₹152.21|₹132|₹11,720|₹10,164|\-₹1,556|\-13.3%|
|Greenpanel|149|₹186.32|₹158|₹27,761|₹23,542|\-₹4,219|\-15.2%|
|ITC|63|₹318.97|₹256|₹20,095|₹16,128|\-₹3,967|\-19.7%|
|TMPV|60|₹369.58|₹279|₹22,175|₹16,740|\-₹5,435|\-24.5%|
|Bajaj HFL|231|₹114.47|₹83|₹26,442|₹19,173|\-₹7,269|\-27.5%|
|Colpal|7|₹2,447.14|₹1,740|₹17,130|₹12,180|\-₹4,950|\-28.9%|
|Infosys|15|₹1,449.00|₹1,029|₹21,735|₹15,435|\-₹6,300|\-29.0%|
|Vedanta|75|₹356.79|₹252|₹26,760|₹18,900|\-₹7,860|\-29.4%|
|IREDA|140|₹159.55|₹111|₹22,337|₹15,540|\-₹6,797|\-30.4%|
|GrowwRail|50|₹37.50|₹26|₹1,875|₹1,300|\-₹575|\-30.7%|
|Jio Financial|106|₹324.76|₹212|₹34,425|₹22,472|**-₹11,953**|**-34.7%**|
|Shakti Pumps|5|₹873|₹453|₹4,365|₹2,265|\-₹2,100|\-48.1%|
|Kellton Tech|175|₹28.50|₹12|₹4,987|₹2,100|\-₹2,887|\-57.9%|
|AWL|37|₹508.11|₹176|₹18,800|₹6,512|**-₹12,288**|**-65.4%**|
|**TOTAL**||||**₹4,43,746**|**₹3,54,837**|**-₹88,909**|**-20.0%**|
I currently have \~₹4.44L invested in direct stocks/ETFs, with the portfolio worth \~₹3.55L, so I'm sitting at roughly **₹89k unrealised loss (\~20%)**.
I made the mistake earlier of accumulating too many small positions and averaging some stocks without a clear allocation strategy. I'm now trying to consolidate the portfolio and focus more on quality + dividends.
Goal is **long-term wealth creation + building a decent dividend stream**, not short-term trading.

PFC

PFC share.

Just 0.7% down. I brought PFC and then same day it dived 3%. Now down to 22%