Share Price and Basic Stock Data
Last Updated: January 13, 2026, 8:09 pm
| PEG Ratio | 0.12 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
TCI Finance Ltd operates within the Finance & Investments sector, with its current market capitalization standing at ₹44.9 Cr. The company’s stock price is ₹34.9, reflecting a price-to-earnings (P/E) ratio of 12.9. Revenue trends reveal a dramatic decline, with sales recorded at ₹0.00 for the fiscal years ending March 2023 and March 2024, indicating significant operational challenges. However, a slight recovery is noted in recent quarters, with sales of ₹0.23 Cr in June 2023 and ₹0.42 Cr in September 2023. The total sales for the trailing twelve months (TTM) remain at ₹0.00, emphasizing the company’s struggle to generate consistent revenue streams. The absence of significant sales figures over multiple quarters highlights the need for a strategic pivot or operational overhaul to stabilize revenue generation.
Profitability and Efficiency Metrics
TCI Finance Ltd reported a net profit of ₹3.50 Cr, indicating a net profit margin that is presently difficult to assess due to fluctuating revenue patterns. Operating profit margins (OPM) fluctuated significantly, with a reported OPM of -39.13% in June 2023 and then a remarkable turnaround to 38.10% in September 2023, suggesting operational volatility. The interest coverage ratio (ICR) is recorded at 1.99x, which is adequate for covering interest expenses. However, the lack of consistent profitability is concerning, especially given the company’s high operating expenses, which peaked at ₹35.40 Cr in March 2022. Overall, the company’s profitability metrics reflect both volatility and potential, necessitating rigorous management of costs and operational efficiency to improve margins.
Balance Sheet Strength and Financial Ratios
TCI Finance Ltd’s balance sheet presents a complex picture. Reserves stood at -₹89.18 Cr, reflecting accumulated losses that have eroded shareholder equity. Total borrowings are modest at ₹1.59 Cr, which, in conjunction with an equity capital of ₹14.20 Cr, suggests a low leverage situation. The price-to-book value (P/BV) ratio is notably low at 0.41x, indicating that the stock may be undervalued relative to its net assets. However, the company faces challenges with a total asset value of ₹7.44 Cr against total liabilities of ₹7.44 Cr, which raises concerns about financial stability. The reported current ratio is not available, but maintaining liquidity is critical, especially considering the negative reserves and a declining asset base.
Shareholding Pattern and Investor Confidence
The shareholding structure of TCI Finance Ltd reveals a stable promoter stake of 24.72%, while public shareholders account for 75.27%. The number of shareholders has increased significantly, rising from 9,522 in December 2022 to 21,210 by September 2025, indicating growing investor interest despite the financial challenges. This increase in shareholder count suggests a potential shift in investor sentiment, possibly driven by the company’s recent efforts to stabilize operations. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) indicates a lack of institutional confidence, which could affect long-term capital inflows and market perception. The reliance on retail investors may pose risks if operational performance does not improve.
Outlook, Risks, and Final Insight
The outlook for TCI Finance Ltd hinges on its ability to convert recent sales growth into sustainable revenue. Key strengths include its low debt levels and an increasing number of shareholders, which could provide a buffer in challenging times. However, significant risks persist, including negative reserves, fluctuating profitability, and an overall lack of operational consistency. The company must address its operational inefficiencies and restructure its business model to regain market confidence. Should TCI Finance successfully navigate these challenges, it could leverage its existing shareholder base to attract institutional interest. Conversely, continued losses and negative reserves could lead to further investor attrition and affect future capital raising efforts.
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 | 12.0 Cr. | 40.9 | 60.0/36.4 | 48.0 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,374 Cr. | 299 | 484/280 | 15.3 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.45/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.95 Cr. | 10.0 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 19.8 Cr. | 38.6 | 69.9/38.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,204.58 Cr | 1,332.24 | 73.21 | 3,844.57 | 0.36% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| 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 |
| Operating Profit | -0.30 | -0.23 | -0.24 | -0.09 | 0.16 | -0.31 | -0.38 | -0.46 | -0.41 | -0.27 | -2.13 | -0.42 | -0.38 |
| OPM % | -39.13% | 38.10% | |||||||||||
| 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 |
| 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 |
| 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 |
Last Updated: January 10, 2026, 9:48 am
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 Sales, 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 Operating 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 OPM %, 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 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 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 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: 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 |
|---|---|
|
|
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: 11.7 (Industry average Stock P/E: 73.21)
- 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 13 January 2026) is ₹83.35 which is 165.45% higher the current market price of ₹31.40, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹40.8 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 40.8 Cr..
What is the current Stock Price of TCI Finance Ltd as on 13 January 2026?
The current stock price of TCI Finance Ltd as on 13 January 2026 is ₹31.4.
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 11.7.
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.