Share Price and Basic Stock Data
Last Updated: October 29, 2025, 10:15 pm
| PEG Ratio | 0.05 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
TCI Finance Ltd operates in the finance and investments sector, with a current market capitalization of ₹15.8 Cr and a share price of ₹12.3. The company has shown a significant decline in revenue, reporting sales of ₹0.66 Cr for the year ending March 2024, down from ₹4.53 Cr in March 2022. This decline reflects a broader trend, as TCI Finance Ltd reported zero sales from March 2023 to March 2024. The quarterly sales figures indicate some recovery, with ₹0.23 Cr in June 2023 and ₹0.42 Cr in September 2023; however, these remain substantially lower than historical performance. The company’s operational challenges are evident, as evidenced by the operating profit margin (OPM) of -92.42% for March 2024, reflecting ongoing difficulties in maintaining profitability amid declining revenues. Overall, the company’s revenue trends signify a challenging operating environment and necessitate strategic interventions to restore growth.
Profitability and Efficiency Metrics
Profitability metrics for TCI Finance Ltd highlight ongoing struggles. The net profit for the financial year ending March 2024 stood at a loss of ₹0.48 Cr, following a loss of ₹2.51 Cr in March 2023. The reported earnings per share (EPS) for March 2025 is projected at ₹2.78, indicating a potential recovery from prior losses, yet the overall trajectory remains concerning. The interest coverage ratio (ICR) of 1.99x suggests that the company can meet its interest obligations, yet this ratio is low, indicating limited operational buffer. The return on equity (ROE) and return on capital employed (ROCE) figures are not available, further complicating assessments of efficiency. The cash conversion cycle (CCC) remains at 0.00 days, indicating effective management of receivables and payables. However, the company’s overall financial health is under pressure, necessitating a focus on improving profitability and operational efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of TCI Finance Ltd exhibits a concerning trend, particularly with reserves declining to -₹89.37 Cr, reflecting significant accumulated losses. Borrowings have also decreased to ₹1.59 Cr, suggesting a reduction in leverage but raising questions about funding and growth capacity. The company’s price-to-book value (P/BV) ratio stands at 0.41x, indicating that shares are trading below book value, which may signal undervaluation but also highlights investor concerns regarding future profitability. The total liabilities for March 2025 amount to ₹7.44 Cr against total assets of ₹7.44 Cr, indicating a precarious balance sheet situation. Financial ratios such as the operating profit margin (OPM) and net profit margin are critically low, emphasizing the need for structural improvements. The company’s liquidity position appears stable, but the negative reserves and declining profitability pose significant risks to its financial health.
Shareholding Pattern and Investor Confidence
TCI Finance Ltd’s shareholding structure reveals a significant public stake of 75.27%, with promoters holding 24.72%. This distribution indicates a relatively high level of public participation, which can be a positive sign for investor confidence. However, the number of shareholders has fluctuated, with a noted increase to 21,210 by March 2025, suggesting growing interest or engagement from retail investors. Despite this increase, the volatility in share price and the company’s overall financial performance may impact long-term investor sentiment. The absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) could indicate a lack of institutional confidence in the company’s recovery narrative. Overall, while the shareholding pattern reflects a solid public base, the financial struggles may hinder broader institutional participation and confidence.
Outlook, Risks, and Final Insight
The outlook for TCI Finance Ltd hinges on its ability to stabilize revenues and restore profitability. The recent quarterly sales growth offers a glimmer of hope, but the company must address its operational inefficiencies and negative reserves for sustainable recovery. Key risks include ongoing losses, the potential for further declines in shareholder confidence, and market volatility impacting future financing options. Additionally, the lack of institutional backing could limit growth opportunities. The company’s path forward will require a focused strategy on cost management, revenue generation, and possibly restructuring to improve its financial standing. If TCI Finance can effectively implement these strategies, it may regain investor confidence and stabilize its market position. Conversely, continued financial underperformance could see the company struggle to attract investment and maintain operational viability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of TCI Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.7 Cr. | 40.0 | 67.7/36.4 | 41.9 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,448 Cr. | 309 | 495/280 | 15.8 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.7 Cr. | 0.55 | 2.42/0.46 | 3.76 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.19 Cr. | 8.47 | 12.7/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 28.8 Cr. | 56.2 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,822.91 Cr | 1,424.34 | 135.36 | 3,769.50 | 0.31% | 21.70% | 14.20% | 7.28 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.23 | 0.42 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Expenses | 0.19 | 0.30 | 0.23 | 0.24 | 0.32 | 0.26 | 0.31 | 0.38 | 0.46 | 0.41 | 0.27 | 2.13 | 0.42 |
| Operating Profit | -0.19 | -0.30 | -0.23 | -0.24 | -0.09 | 0.16 | -0.31 | -0.38 | -0.46 | -0.41 | -0.27 | -2.13 | -0.42 |
| OPM % | -39.13% | 38.10% | |||||||||||
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.70 | -0.04 | -0.04 | 0.19 | 0.04 | 6.66 | 0.00 |
| Interest | 0.37 | 0.38 | 0.62 | 0.16 | 0.19 | 0.14 | 0.12 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -0.56 | -0.69 | -0.86 | -0.40 | -0.28 | 0.02 | 0.27 | -0.49 | -0.50 | -0.22 | -0.23 | 4.53 | -0.42 |
| 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 | -0.56 | -0.69 | -0.86 | -0.40 | -0.28 | 0.02 | 0.27 | -0.49 | -0.50 | -0.22 | -0.23 | 4.53 | -0.42 |
| EPS in Rs | -0.44 | -0.54 | -0.67 | -0.31 | -0.22 | 0.02 | 0.21 | -0.38 | -0.39 | -0.17 | -0.18 | 3.52 | -0.33 |
Last Updated: August 20, 2025, 2:40 am
Below is a detailed analysis of the quarterly data for TCI Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 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 Expenses, as of Jun 2025, the value is 0.42 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2.13 Cr. (Mar 2025) to 0.42 Cr., marking a decrease of 1.71 Cr..
- For Operating Profit, as of Jun 2025, the value is -0.42 Cr.. The value appears strong and on an upward trend. It has increased from -2.13 Cr. (Mar 2025) to -0.42 Cr., marking an increase of 1.71 Cr..
- For OPM %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6.66 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 6.66 Cr..
- For Interest, as of Jun 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 Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is -0.42 Cr.. The value appears to be declining and may need further review. It has decreased from 4.53 Cr. (Mar 2025) to -0.42 Cr., marking a decrease of 4.95 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
- For Net Profit, as of Jun 2025, the value is -0.42 Cr.. The value appears to be declining and may need further review. It has decreased from 4.53 Cr. (Mar 2025) to -0.42 Cr., marking a decrease of 4.95 Cr..
- For EPS in Rs, as of Jun 2025, the value is -0.33. The value appears to be declining and may need further review. It has decreased from 3.52 (Mar 2025) to -0.33, marking a decrease of 3.85.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:19 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 | 3.23 |
| 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 | -3.23 |
| 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 | 6.89 |
| 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 | 3.66 |
| 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 | 3.66 |
| 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 | 2.84 |
| 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: August 11, 2025, 2:55 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| Borrowings | 24.23 | 52.11 | 59.01 | 54.01 | 49.87 | 34.26 | 27.49 | 25.35 | 22.82 | 11.49 | 7.42 | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for TCI Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 14.20 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 14.20 Cr..
- For Reserves, as of Mar 2025, the value is -89.37 Cr.. The value appears to be worsening (becoming more negative). It has deteriorated from -77.56 Cr. (Mar 2024) to -89.37 Cr., marking a decline of 11.81 Cr..
- For Borrowings, as of Mar 2025, the value is 1.59 Cr.. The value appears to be improving (decreasing). However, Reserves are negative, which is a major warning sign. It has decreased from 7.42 Cr. (Mar 2024) to 1.59 Cr., marking a decrease of 5.83 Cr..
- For Other Liabilities, as of Mar 2025, the value is 81.02 Cr.. The value appears to be improving (decreasing). It has decreased from 83.49 Cr. (Mar 2024) to 81.02 Cr., marking a decrease of 2.47 Cr..
- For Total Liabilities, as of Mar 2025, the value is 7.44 Cr.. The value appears to be improving (decreasing). It has decreased from 27.55 Cr. (Mar 2024) to 7.44 Cr., marking a decrease of 20.11 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1.26 Cr.. The value appears strong and on an upward trend. It has increased from 1.24 Cr. (Mar 2024) to 1.26 Cr., marking an increase of 0.02 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 5.30 Cr.. The value appears to be declining and may need further review. It has decreased from 23.86 Cr. (Mar 2024) to 5.30 Cr., marking a decrease of 18.56 Cr..
- For Other Assets, as of Mar 2025, the value is 0.88 Cr.. The value appears to be declining and may need further review. It has decreased from 2.45 Cr. (Mar 2024) to 0.88 Cr., marking a decrease of 1.57 Cr..
- For Total Assets, as of Mar 2025, the value is 7.44 Cr.. The value appears to be declining and may need further review. It has decreased from 27.55 Cr. (Mar 2024) to 7.44 Cr., marking a decrease of 20.11 Cr..
However, the Borrowings (1.59 Cr.) are higher than the Reserves (-89.37 Cr.), which may signal higher financial risk.
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 - No data available for this post.
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: 21.7%)
- 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: 4.62 (Industry average Stock P/E: 135.36)
- 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 | investors@tcifl.in http://www.tcifl.in |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Dhanpat Ram Agarwal | Chairman |
| Mr. Y S R Rajeev Kumar | Non Exe.Non Ind.Director |
| Mr. Mahendra Agarwal | Non Exe.Non Ind.Director |
| Ms. Meera Madhusudhan Singh | Non Exe.Non Ind.Director |
| Mr. Rajesh Kundra | Independent Director |
| Mr. Arun Kumar Agarwal | Non Exe.Non Ind.Director |
| Mr. M Sreenivasuloo | Non Exe.Non Ind.Director |
| Mr. 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 29 October 2025) is 32.91 which is 171.98% higher the current market price of 12.10, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 16.1 Cr. market cap, FY2025-2026 high/low of 20.2/10.3, reserves of ₹-89.37 Cr, and liabilities of 7.44 Cr.
What is the Market Cap of TCI Finance Ltd?
The Market Cap of TCI Finance Ltd is 16.1 Cr..
What is the current Stock Price of TCI Finance Ltd as on 29 October 2025?
The current stock price of TCI Finance Ltd as on 29 October 2025 is 12.1.
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 20.2/10.3.
What is the Stock P/E of TCI Finance Ltd?
The Stock P/E of TCI Finance Ltd is 4.62.
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.