Share Price and Basic Stock Data
Last Updated: February 3, 2026, 3:04 am
| PEG Ratio | 0.07 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
TCI Finance Ltd operates in the Finance & Investments sector, with a current share price of ₹19.8 and a market capitalization of ₹25.7 Cr. The company has faced significant challenges in revenue generation, reporting zero sales for multiple quarters until June 2023, where it recorded ₹0.23 Cr. This figure rose modestly to ₹0.42 Cr in September 2023, indicating a slow recovery. In the financial year ending March 2023, TCI Finance reported total sales of ₹0.00 Cr. for the entire year, down from ₹4.53 Cr. in March 2022. This drastic decline reflects the company’s struggles to revitalize its operations post the pandemic, with a trailing twelve months sales figure also standing at ₹0.00 Cr. The revenue trajectory remains concerning, especially given the historical context where sales peaked at ₹15.57 Cr. in March 2014, showcasing a severe contraction over the years.
Profitability and Efficiency Metrics
TCI Finance’s profitability metrics present a mixed picture, with a net profit of ₹3.50 Cr. reported recently. The company’s operating profit margin (OPM) saw a significant improvement to 38.10% in September 2023, compared to a negative OPM of -39.13% in June 2023. However, the company has a history of negative operating profits, with an operating loss of ₹30.87 Cr. in March 2022. The interest coverage ratio (ICR) stands at 1.99x, indicating that the company is barely covering its interest expenses. Despite this, the net profit margin appears to be recovering, with a recorded net profit of ₹0.02 Cr. in September 2023 after a series of losses. The efficiency metrics show that TCI Finance has maintained a cash conversion cycle of 0.00 days, suggesting that it does not have any outstanding receivables or inventory. This could be a strength in terms of cash flow management, but it also raises concerns about business activity levels.
Balance Sheet Strength and Financial Ratios
TCI Finance’s balance sheet reflects a precarious financial position, with net reserves reported at -₹89.18 Cr. This negative reserve indicates significant accumulated losses, which could impact the company’s ability to attract further investment or sustain operations. Borrowings amount to ₹1.59 Cr., a significant decrease from ₹11.49 Cr. in March 2023, suggesting a reduction in debt levels. The price-to-book value ratio is notably low at 0.41x, indicating that the stock is trading at a substantial discount to its book value, which could attract value investors. The company’s total liabilities amount to ₹7.44 Cr. against total assets of ₹7.44 Cr. as of March 2025, reflecting a precariously balanced position. The return on equity (ROE) and return on capital employed (ROCE) figures are missing, which complicates a comprehensive assessment of profitability relative to equity and capital employed.
Shareholding Pattern and Investor Confidence
The shareholding pattern of TCI Finance Ltd shows a stable distribution, with promoters holding 24.72% and the public holding 75.27% as of December 2023. The number of shareholders has been gradually increasing, rising from 9,522 in December 2022 to 21,210 by September 2025, indicating a growing interest among retail investors despite the company’s financial struggles. This could reflect investor confidence in potential turnaround strategies or undervaluation of the stock. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) suggests a lack of confidence from larger institutional players, which could be a red flag for prospective investors. The high public stake may also indicate a risk of volatility, as retail investors are often more reactive to market sentiments compared to institutional investors.
Outlook, Risks, and Final Insight
TCI Finance faces a challenging outlook with persistent revenue generation issues and negative reserves. While recent improvements in profitability metrics and a stable shareholding pattern may provide some hope, the company must address its operational inefficiencies and negative equity to regain investor confidence. Risks include the potential for sustained losses if revenue does not recover and the absence of institutional investor support, which could limit future capital access. An effective turnaround strategy focusing on operational efficiency and revenue growth is essential for improving financial health. If successful, TCI Finance could leverage its low price-to-book ratio to attract new investment; however, failure to address current financial challenges may lead to deeper financial distress and potential insolvency in the long term.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.4 Cr. | 38.9 | 54.9/36.4 | 54.3 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,306 Cr. | 291 | 455/265 | 14.4 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 28.8 Cr. | 0.41 | 0.97/0.38 | 3.99 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.76 Cr. | 7.60 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 13.8 Cr. | 27.0 | 69.9/27.0 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,985.44 Cr | 1,247.45 | 69.98 | 4,367.94 | 0.39% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.00 | 0.00 | 0.00 | 0.23 | 0.42 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.38 | 0.62 | 0.16 | 0.19 | 0.14 | 0.12 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Expenses | 0.30 | 0.23 | 0.24 | 0.32 | 0.26 | 0.31 | 0.38 | 0.46 | 0.41 | 0.27 | 2.13 | 0.42 | 0.38 |
| Financing Profit | -0.68 | -0.85 | -0.40 | -0.28 | 0.02 | -0.43 | -0.45 | -0.46 | -0.41 | -0.27 | -2.13 | -0.42 | -0.38 |
| Financing Margin % | -121.74% | 4.76% | |||||||||||
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.70 | -0.04 | -0.04 | 0.20 | 0.04 | 6.66 | 0.00 | 0.00 |
| Depreciation | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -0.69 | -0.86 | -0.40 | -0.28 | 0.02 | 0.27 | -0.49 | -0.50 | -0.21 | -0.23 | 4.53 | -0.42 | -0.38 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Profit | -0.69 | -0.86 | -0.40 | -0.28 | 0.02 | 0.27 | -0.49 | -0.50 | -0.21 | -0.23 | 4.53 | -0.42 | -0.38 |
| EPS in Rs | -0.54 | -0.67 | -0.31 | -0.22 | 0.02 | 0.21 | -0.38 | -0.39 | -0.16 | -0.18 | 3.52 | -0.33 | -0.30 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 3, 2026, 11:16 pm
Below is a detailed analysis of the quarterly data for TCI Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Expenses, as of Sep 2025, the value is 0.38 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.42 Cr. (Jun 2025) to 0.38 Cr., marking a decrease of 0.04 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -0.38 Cr.. The value appears strong and on an upward trend. It has increased from -0.42 Cr. (Jun 2025) to -0.38 Cr., marking an increase of 0.04 Cr..
- For Tax %, as of Sep 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00%.
- For Net Profit, as of Sep 2025, the value is -0.38 Cr.. The value appears strong and on an upward trend. It has increased from -0.42 Cr. (Jun 2025) to -0.38 Cr., marking an increase of 0.04 Cr..
- For EPS in Rs, as of Sep 2025, the value is -0.30. The value appears strong and on an upward trend. It has increased from -0.33 (Jun 2025) to -0.30, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:33 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15.57 | 13.41 | 11.26 | 12.36 | 11.75 | 10.29 | 4.23 | 4.25 | 4.53 | 0.00 | 0.66 | 0.07 | 0.00 |
| Expenses | 1.13 | 0.60 | 1.11 | 1.23 | 1.10 | 1.89 | 52.58 | 9.75 | 35.40 | 0.96 | 1.27 | 3.27 | 3.20 |
| Operating Profit | 14.44 | 12.81 | 10.15 | 11.13 | 10.65 | 8.40 | -48.35 | -5.50 | -30.87 | -0.96 | -0.61 | -3.20 | -3.20 |
| OPM % | 92.74% | 95.53% | 90.14% | 90.05% | 90.64% | 81.63% | -1,143.03% | -129.41% | -681.46% | -92.42% | -4,571.43% | ||
| Other Income | 0.48 | 0.32 | 0.21 | 1.73 | 0.03 | 1.19 | 0.00 | 0.00 | 0.09 | 0.00 | 0.65 | 6.78 | 6.70 |
| Interest | 7.89 | 4.94 | 8.04 | 8.56 | 8.60 | 6.07 | 3.92 | 2.24 | 1.53 | 1.53 | 0.52 | 0.00 | 0.00 |
| Depreciation | 0.01 | 0.01 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 7.02 | 8.18 | 2.29 | 4.27 | 2.06 | 3.50 | -52.29 | -7.77 | -32.33 | -2.51 | -0.48 | 3.58 | 3.50 |
| Tax % | 20.37% | 17.11% | 13.54% | 15.69% | 18.45% | 29.43% | 0.06% | 0.00% | 1.98% | 0.00% | 0.00% | 0.00% | |
| Net Profit | 5.59 | 6.78 | 1.98 | 3.60 | 1.69 | 2.47 | -52.32 | -7.77 | -32.97 | -2.51 | -0.48 | 3.58 | 3.50 |
| EPS in Rs | 4.34 | 5.27 | 1.54 | 2.80 | 1.31 | 1.92 | -40.64 | -6.04 | -25.61 | -1.95 | -0.37 | 2.78 | 2.71 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 21.29% | -70.80% | 81.82% | -53.06% | 46.15% | -2218.22% | 85.15% | -324.32% | 92.39% | 80.88% | 845.83% |
| Change in YoY Net Profit Growth (%) | 0.00% | -92.08% | 152.61% | -134.87% | 99.21% | -2264.37% | 2303.37% | -409.47% | 416.71% | -11.51% | 764.96% |
TCI Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -41% |
| 5 Years: | -56% |
| 3 Years: | -75% |
| TTM: | -100% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -6% |
| 5 Years: | 16% |
| 3 Years: | 28% |
| TTM: | 698% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -8% |
| 5 Years: | 21% |
| 3 Years: | 43% |
| 1 Year: | 15% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | % |
Last Updated: September 5, 2025, 1:41 pm
Balance Sheet
Last Updated: February 1, 2026, 2:01 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 | 14.20 |
| Reserves | 19.13 | 25.90 | 27.89 | 31.49 | 33.18 | 23.32 | -57.27 | -44.06 | -60.94 | -77.05 | -77.56 | -89.37 | -89.18 |
| Borrowing | 24.23 | 52.11 | 59.01 | 54.01 | 49.87 | 34.26 | 27.49 | 25.35 | 22.82 | 11.49 | 7.42 | 1.59 | 1.59 |
| Other Liabilities | 0.67 | 0.58 | 0.92 | 2.06 | 3.11 | 68.10 | 85.33 | 87.96 | 86.86 | 97.53 | 83.49 | 81.02 | 81.27 |
| Total Liabilities | 58.23 | 92.79 | 102.02 | 101.76 | 100.36 | 139.88 | 69.75 | 83.45 | 62.94 | 46.17 | 27.55 | 7.44 | 7.88 |
| Fixed Assets | 0.67 | 0.79 | 0.73 | 0.54 | 0.52 | 1.28 | 1.29 | 1.27 | 1.25 | 1.24 | 1.24 | 1.26 | 1.26 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 49.37 | 49.53 | 49.49 | 49.51 | 49.47 | 101.00 | 23.55 | 47.25 | 42.84 | 26.09 | 23.86 | 5.30 | 6.43 |
| Other Assets | 8.19 | 42.47 | 51.80 | 51.71 | 50.37 | 37.60 | 44.91 | 34.93 | 18.85 | 18.84 | 2.45 | 0.88 | 0.19 |
| Total Assets | 58.23 | 92.79 | 102.02 | 101.76 | 100.36 | 139.88 | 69.75 | 83.45 | 62.94 | 46.17 | 27.55 | 7.44 | 7.88 |
Below is a detailed analysis of the balance sheet data for TCI Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 14.20 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 14.20 Cr..
- For Reserves, as of Sep 2025, the value is -89.18 Cr.. The value appears to be improving (becoming less negative). It has improved from -89.37 Cr. (Mar 2025) to -89.18 Cr., marking an improvement of 0.19 Cr..
- For Other Liabilities, as of Sep 2025, the value is 81.27 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 81.02 Cr. (Mar 2025) to 81.27 Cr., marking an increase of 0.25 Cr..
- For Total Liabilities, as of Sep 2025, the value is 7.88 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.44 Cr. (Mar 2025) to 7.88 Cr., marking an increase of 0.44 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.26 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.26 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 6.43 Cr.. The value appears strong and on an upward trend. It has increased from 5.30 Cr. (Mar 2025) to 6.43 Cr., marking an increase of 1.13 Cr..
- For Other Assets, as of Sep 2025, the value is 0.19 Cr.. The value appears to be declining and may need further review. It has decreased from 0.88 Cr. (Mar 2025) to 0.19 Cr., marking a decrease of 0.69 Cr..
- For Total Assets, as of Sep 2025, the value is 7.88 Cr.. The value appears strong and on an upward trend. It has increased from 7.44 Cr. (Mar 2025) to 7.88 Cr., marking an increase of 0.44 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -9.79 | -39.30 | -48.86 | -42.88 | -39.22 | -25.86 | -75.84 | -30.85 | -53.69 | -12.45 | -8.03 | -4.79 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Working Capital Days | 104.55 | 193.80 | 372.13 | 430.26 | 391.71 | -2,119.41 | -7,099.81 | -7,143.69 | -5,226.03 | -45,354.02 | -421,262.14 | |
| ROCE % | 21.52% | 17.44% | 10.50% | 11.84% | 10.83% | 10.26% | -172.14% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 19 | Mar 18 | Mar 17 | Mar 16 | Mar 15 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 3.84 | 1.30 | 2.83 | 1.50 | 5.30 |
| Diluted EPS (Rs.) | 3.84 | 1.30 | 2.83 | 1.50 | 5.30 |
| Cash EPS (Rs.) | 3.50 | 1.21 | 2.61 | 1.42 | 4.84 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 36.38 | 32.87 | 31.69 | 29.13 | 27.76 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 36.38 | 32.87 | 31.69 | 29.13 | 27.76 |
| Revenue From Operations / Share (Rs.) | 8.71 | 9.16 | 9.62 | 8.91 | 10.16 |
| PBDIT / Share (Rs.) | 8.51 | 7.53 | 9.11 | 7.29 | 9.30 |
| PBIT / Share (Rs.) | 8.48 | 7.50 | 9.06 | 7.24 | 9.26 |
| PBT / Share (Rs.) | 4.21 | 1.44 | 3.04 | 1.58 | 5.79 |
| Net Profit / Share (Rs.) | 3.48 | 1.18 | 2.56 | 1.36 | 4.80 |
| NP After MI And SOA / Share (Rs.) | 3.48 | 1.18 | 2.56 | 1.36 | 4.80 |
| PBDIT Margin (%) | 97.71 | 82.18 | 94.60 | 81.88 | 91.50 |
| PBIT Margin (%) | 97.45 | 81.85 | 94.15 | 81.30 | 91.20 |
| PBT Margin (%) | 48.36 | 15.74 | 31.53 | 17.71 | 56.96 |
| Net Profit Margin (%) | 39.97 | 12.86 | 26.65 | 15.32 | 47.29 |
| NP After MI And SOA Margin (%) | 39.97 | 12.86 | 26.65 | 15.32 | 47.29 |
| Return on Networth / Equity (%) | 9.56 | 3.58 | 8.09 | 4.68 | 17.30 |
| Return on Capital Employeed (%) | 18.17 | 16.85 | 19.77 | 16.50 | 21.51 |
| Return On Assets (%) | 5.68 | 1.67 | 3.59 | 1.90 | 7.38 |
| Long Term Debt / Equity (X) | 0.28 | 0.35 | 0.44 | 0.50 | 0.54 |
| Total Debt / Equity (X) | 0.57 | 1.04 | 1.18 | 1.41 | 1.31 |
| Asset Turnover Ratio (%) | 0.13 | 0.12 | 0.12 | 0.11 | 0.17 |
| Current Ratio (X) | 1.76 | 1.36 | 1.42 | 1.31 | 1.38 |
| Quick Ratio (X) | 1.76 | 1.36 | 1.42 | 1.31 | 1.38 |
| Interest Coverage Ratio (X) | 1.99 | 1.24 | 1.51 | 1.29 | 2.67 |
| Interest Coverage Ratio (Post Tax) (X) | 1.81 | 1.19 | 1.43 | 1.24 | 2.38 |
| Enterprise Value (Cr.) | 50.85 | 83.41 | 88.18 | 85.59 | 94.03 |
| EV / Net Operating Revenue (X) | 4.11 | 6.41 | 6.45 | 6.77 | 6.52 |
| EV / EBITDA (X) | 4.21 | 7.80 | 6.82 | 8.27 | 7.12 |
| MarketCap / Net Operating Revenue (X) | 1.72 | 2.71 | 2.60 | 2.18 | 3.27 |
| Price / BV (X) | 0.41 | 0.75 | 0.78 | 0.66 | 1.20 |
| Price / Net Operating Revenue (X) | 1.72 | 2.71 | 2.60 | 2.18 | 3.27 |
| EarningsYield | 0.23 | 0.04 | 0.10 | 0.07 | 0.14 |
After reviewing the key financial ratios for TCI Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 19, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 18) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 19, the value is 3.84. This value is below the healthy minimum of 5. It has increased from 1.30 (Mar 18) to 3.84, marking an increase of 2.54.
- For Diluted EPS (Rs.), as of Mar 19, the value is 3.84. This value is below the healthy minimum of 5. It has increased from 1.30 (Mar 18) to 3.84, marking an increase of 2.54.
- For Cash EPS (Rs.), as of Mar 19, the value is 3.50. This value is within the healthy range. It has increased from 1.21 (Mar 18) to 3.50, marking an increase of 2.29.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 19, the value is 36.38. It has increased from 32.87 (Mar 18) to 36.38, marking an increase of 3.51.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 19, the value is 36.38. It has increased from 32.87 (Mar 18) to 36.38, marking an increase of 3.51.
- For Revenue From Operations / Share (Rs.), as of Mar 19, the value is 8.71. It has decreased from 9.16 (Mar 18) to 8.71, marking a decrease of 0.45.
- For PBDIT / Share (Rs.), as of Mar 19, the value is 8.51. This value is within the healthy range. It has increased from 7.53 (Mar 18) to 8.51, marking an increase of 0.98.
- For PBIT / Share (Rs.), as of Mar 19, the value is 8.48. This value is within the healthy range. It has increased from 7.50 (Mar 18) to 8.48, marking an increase of 0.98.
- For PBT / Share (Rs.), as of Mar 19, the value is 4.21. This value is within the healthy range. It has increased from 1.44 (Mar 18) to 4.21, marking an increase of 2.77.
- For Net Profit / Share (Rs.), as of Mar 19, the value is 3.48. This value is within the healthy range. It has increased from 1.18 (Mar 18) to 3.48, marking an increase of 2.30.
- For NP After MI And SOA / Share (Rs.), as of Mar 19, the value is 3.48. This value is within the healthy range. It has increased from 1.18 (Mar 18) to 3.48, marking an increase of 2.30.
- For PBDIT Margin (%), as of Mar 19, the value is 97.71. This value is within the healthy range. It has increased from 82.18 (Mar 18) to 97.71, marking an increase of 15.53.
- For PBIT Margin (%), as of Mar 19, the value is 97.45. This value exceeds the healthy maximum of 20. It has increased from 81.85 (Mar 18) to 97.45, marking an increase of 15.60.
- For PBT Margin (%), as of Mar 19, the value is 48.36. This value is within the healthy range. It has increased from 15.74 (Mar 18) to 48.36, marking an increase of 32.62.
- For Net Profit Margin (%), as of Mar 19, the value is 39.97. This value exceeds the healthy maximum of 10. It has increased from 12.86 (Mar 18) to 39.97, marking an increase of 27.11.
- For NP After MI And SOA Margin (%), as of Mar 19, the value is 39.97. This value exceeds the healthy maximum of 20. It has increased from 12.86 (Mar 18) to 39.97, marking an increase of 27.11.
- For Return on Networth / Equity (%), as of Mar 19, the value is 9.56. This value is below the healthy minimum of 15. It has increased from 3.58 (Mar 18) to 9.56, marking an increase of 5.98.
- For Return on Capital Employeed (%), as of Mar 19, the value is 18.17. This value is within the healthy range. It has increased from 16.85 (Mar 18) to 18.17, marking an increase of 1.32.
- For Return On Assets (%), as of Mar 19, the value is 5.68. This value is within the healthy range. It has increased from 1.67 (Mar 18) to 5.68, marking an increase of 4.01.
- For Long Term Debt / Equity (X), as of Mar 19, the value is 0.28. This value is within the healthy range. It has decreased from 0.35 (Mar 18) to 0.28, marking a decrease of 0.07.
- For Total Debt / Equity (X), as of Mar 19, the value is 0.57. This value is within the healthy range. It has decreased from 1.04 (Mar 18) to 0.57, marking a decrease of 0.47.
- For Asset Turnover Ratio (%), as of Mar 19, the value is 0.13. It has increased from 0.12 (Mar 18) to 0.13, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 19, the value is 1.76. This value is within the healthy range. It has increased from 1.36 (Mar 18) to 1.76, marking an increase of 0.40.
- For Quick Ratio (X), as of Mar 19, the value is 1.76. This value is within the healthy range. It has increased from 1.36 (Mar 18) to 1.76, marking an increase of 0.40.
- For Interest Coverage Ratio (X), as of Mar 19, the value is 1.99. This value is below the healthy minimum of 3. It has increased from 1.24 (Mar 18) to 1.99, marking an increase of 0.75.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 19, the value is 1.81. This value is below the healthy minimum of 3. It has increased from 1.19 (Mar 18) to 1.81, marking an increase of 0.62.
- For Enterprise Value (Cr.), as of Mar 19, the value is 50.85. It has decreased from 83.41 (Mar 18) to 50.85, marking a decrease of 32.56.
- For EV / Net Operating Revenue (X), as of Mar 19, the value is 4.11. This value exceeds the healthy maximum of 3. It has decreased from 6.41 (Mar 18) to 4.11, marking a decrease of 2.30.
- For EV / EBITDA (X), as of Mar 19, the value is 4.21. This value is below the healthy minimum of 5. It has decreased from 7.80 (Mar 18) to 4.21, marking a decrease of 3.59.
- For MarketCap / Net Operating Revenue (X), as of Mar 19, the value is 1.72. This value is within the healthy range. It has decreased from 2.71 (Mar 18) to 1.72, marking a decrease of 0.99.
- For Price / BV (X), as of Mar 19, the value is 0.41. This value is below the healthy minimum of 1. It has decreased from 0.75 (Mar 18) to 0.41, marking a decrease of 0.34.
- For Price / Net Operating Revenue (X), as of Mar 19, the value is 1.72. This value is within the healthy range. It has decreased from 2.71 (Mar 18) to 1.72, marking a decrease of 0.99.
- For EarningsYield, as of Mar 19, the value is 0.23. This value is below the healthy minimum of 5. It has increased from 0.04 (Mar 18) to 0.23, marking an increase of 0.19.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in TCI Finance Ltd:
- Net Profit Margin: 39.97%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 18.17% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 9.56% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.81
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.76
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.59 (Industry average Stock P/E: 69.98)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.57
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 39.97%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Plot No.-20, Survey No.12, Hyderabad Telangana 500084 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Dhanpat Ram Agarwal | Chairman |
| Mr. Y S R Rajeev Kumar | Non Exe.Non Ind.Director |
| Ms. Meera Madhusudhan Singh | Non Exe.Non Ind.Director |
| Mr. Arun Kumar Agarwal | Non Exe.Non Ind.Director |
| Mr. M Sreenivasuloo | Non Exe.Non Ind.Director |
| Mr. I M Usman Sheriff | Non Exe.Non Ind.Director |
FAQ
What is the intrinsic value of TCI Finance Ltd?
TCI Finance Ltd's intrinsic value (as of 03 February 2026) is ₹92.27 which is 415.47% higher the current market price of ₹17.90, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹23.0 Cr. market cap, FY2025-2026 high/low of ₹38.5/10.0, reserves of ₹-89.18 Cr, and liabilities of ₹7.88 Cr.
What is the Market Cap of TCI Finance Ltd?
The Market Cap of TCI Finance Ltd is 23.0 Cr..
What is the current Stock Price of TCI Finance Ltd as on 03 February 2026?
The current stock price of TCI Finance Ltd as on 03 February 2026 is ₹17.9.
What is the High / Low of TCI Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of TCI Finance Ltd stocks is ₹38.5/10.0.
What is the Stock P/E of TCI Finance Ltd?
The Stock P/E of TCI Finance Ltd is 6.59.
What is the Book Value of TCI Finance Ltd?
The Book Value of TCI Finance Ltd is 58.2.
What is the Dividend Yield of TCI Finance Ltd?
The Dividend Yield of TCI Finance Ltd is 0.00 %.
What is the ROCE of TCI Finance Ltd?
The ROCE of TCI Finance Ltd is %.
What is the ROE of TCI Finance Ltd?
The ROE of TCI Finance Ltd is %.
What is the Face Value of TCI Finance Ltd?
The Face Value of TCI Finance Ltd is 10.0.