Share Price and Basic Stock Data
Last Updated: December 30, 2025, 7:33 pm
| PEG Ratio | 0.10 |
|---|
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 its stock currently priced at ₹24.6 and a market capitalization of ₹31.6 Cr. The company has struggled with revenue generation, reporting nil sales from March 2023 to March 2024, with a marginal increase in sales to ₹0.23 Cr in June 2023 and ₹0.42 Cr in September 2023. This stark decline from historical sales figures, which reached ₹15.57 Cr in March 2014, indicates a significant contraction in business activity. The company’s financial trajectory has been volatile, with sales plummeting to ₹0.00 Cr in FY 2023 and only a slight recovery anticipated in FY 2024 with reported sales of ₹0.66 Cr. The lack of consistent revenue generation raises concerns about the sustainability of its operations and its ability to compete in the finance sector.
Profitability and Efficiency Metrics
Profitability metrics for TCI Finance reveal a challenging landscape. The net profit recorded in March 2025 stood at ₹3.58 Cr, a stark contrast to the losses of ₹32.97 Cr in March 2022 and ₹2.51 Cr in March 2023. The operating profit margin (OPM) reflected a negative trend, recorded at -681.46% in FY 2022, indicating severe operational inefficiencies. However, a notable recovery in OPM was observed in September 2023, where it rose to 38.10%. The interest coverage ratio (ICR) stood at 1.99x, suggesting that while the company can cover its interest obligations, the margin is thin. The company’s ability to generate profits remains inconsistent, which may hinder investor confidence and long-term financial stability.
Balance Sheet Strength and Financial Ratios
TCI Finance’s balance sheet exhibits both strengths and vulnerabilities. The company reported total borrowings of ₹1.59 Cr as of March 2025, a significant reduction from ₹24.23 Cr in March 2014, indicating a focus on deleveraging. However, the reserves have turned negative, declining to ₹89.18 Cr, which raises concerns about the financial health and solvency of the company. The price-to-book value (P/BV) ratio is low at 0.41x, suggesting that the stock may be undervalued relative to its book value. Additionally, the return on equity (ROE) remains unreported, which limits insights into shareholder returns. The overall financial ratios reflect a company in transition, grappling with past inefficiencies while attempting to stabilize its balance sheet.
Shareholding Pattern and Investor Confidence
TCI Finance’s shareholding pattern indicates a stable yet fragmented ownership structure, with promoters holding 24.72% and the public holding 75.27% as of March 2025. The number of shareholders has increased significantly, rising from 9,497 in March 2023 to 21,210 by September 2025, reflecting growing interest in the company despite its financial challenges. This increase could signal potential investor confidence in a turnaround strategy. However, the lack of institutional investment, with foreign institutional investors (FIIs) and domestic institutional investors (DIIs) reported as N/A, suggests hesitance among larger investors to commit capital. The predominance of public ownership may lead to volatility in stock performance, particularly given the company’s uncertain financial outlook.
Outlook, Risks, and Final Insight
Looking ahead, TCI Finance faces both opportunities and risks. The recent uptick in quarterly sales and a return to net profitability could indicate a potential recovery phase. However, the company must address its operational inefficiencies and negative reserves to instill investor confidence. The primary risks include the reliance on a limited revenue stream and the potential for further financial losses if operational improvements are not realized. Additionally, the absence of institutional backing may hinder future capital-raising efforts. In scenarios where the company successfully stabilizes its operations and improves profitability, it could attract more institutional investors. Conversely, continued financial instability could lead to further declines in market confidence and shareholder value. The path forward will be critical in determining TCI Finance’s long-term viability in the competitive finance sector.
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 | 12.2 Cr. | 41.5 | 67.7/36.4 | 48.6 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,402 Cr. | 302 | 484/280 | 15.4 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 29.5 Cr. | 0.42 | 1.83/0.38 | 4.09 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.9/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.7 Cr. | 40.3 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,175.59 Cr | 1,366.04 | 80.62 | 3,844.57 | 0.36% | 21.71% | 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: 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: December 4, 2025, 2:04 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 |
| 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 | 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 Borrowings, as of Sep 2025, the value is 1.59 Cr.. The value remains steady. However, Reserves are negative, which is a major warning sign. There is no change compared to the previous period (Mar 2025) which recorded 1.59 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..
However, the Borrowings (1.59 Cr.) are higher than the Reserves (-89.18 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
| 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 |
|---|---|
|
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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: 9.7 (Industry average Stock P/E: 80.62)
- 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 30 December 2025) is 69.10 which is 164.75% higher the current market price of 26.10, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 33.8 Cr. market cap, FY2025-2026 high/low of 26.1/10.0, 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 33.8 Cr..
What is the current Stock Price of TCI Finance Ltd as on 30 December 2025?
The current stock price of TCI Finance Ltd as on 30 December 2025 is 26.1.
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 26.1/10.0.
What is the Stock P/E of TCI Finance Ltd?
The Stock P/E of TCI Finance Ltd is 9.70.
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.