Tourism Finance Corporation of India Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 12, 2025, 10:38 am

Market Cap	1,329 Cr.
Current Price	144
High / Low	220/122
Stock P/E	14.2
Book Value	126
Dividend Yield	1.75 %
ROCE	10.5 %
ROE	8.65 %
Face Value	10.0
PEG Ratio	35.78

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Tourism Finance Corporation of India Ltd

Competitors of Tourism Finance Corporation of India Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Tourism Finance Corporation of India Ltd	1,329 Cr.	144	220/122	14.2	126	1.75 %	10.5 %	8.65 %	10.0
Power Finance Corporation Ltd (PFC)	1,28,870 Cr.	391	580/352	5.79	333	3.47 %	9.85 %	21.3 %	10.0
IFCI Ltd	10,784 Cr.	41.2	91.4/35.8	91.4	22.4	0.00 %	10.2 %	2.48 %	10.0
Housing & Urban Development Corporation Ltd (HUDCO)	36,227 Cr.	181	354/153	13.5	85.5	2.26 %	9.23 %	13.2 %	10.0
Industry Average	44,302.50 Cr	189.30		31.22	141.73	1.87%	9.95%	11.41%	10.00

All Competitor Stocks of Tourism Finance Corporation of India Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	62	61	63	58	51	60	59	58	67	58	62	65	57
Interest	29	27	26	22	21	21	23	26	26	26	24	26	26
Expenses	7	5	5	13	5	7	7	8	5	7	6	6	10
Financing Profit	26	29	32	22	25	32	30	24	36	25	32	32	21
Financing Margin %	42%	48%	51%	38%	49%	53%	50%	42%	54%	43%	52%	50%	36%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	7
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	26	29	31	22	24	32	29	24	36	25	32	32	28
Tax %	22%	21%	21%	9%	25%	22%	17%	21%	24%	17%	20%	21%	18%
Net Profit	20	22	25	20	18	25	24	19	28	20	25	26	23
EPS in Rs	2.22	2.48	2.76	2.18	2.03	2.75	2.70	2.07	3.05	2.26	2.74	2.76	2.44
Gross NPA %	3.76%	0.74%			4.58%	3.92%	5.35%	3.76%	2.17%	2.75%	2.81%	2.82%	5.61%
Net NPA %	2.85%	0.37%			3.56%	2.95%	4.16%	2.82%	1.38%	1.51%	1.54%	1.55%	3.92%

Last Updated: February 28, 2025, 4:32 pm

Below is a detailed analysis of the quarterly data for Tourism Finance Corporation of India Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹26.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00 Cr..
For Expenses, as of Dec 2024, the value is ₹10.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6.00 Cr. (Sep 2024) to ₹10.00 Cr., marking an increase of ₹4.00 Cr..
For Other Income, as of Dec 2024, the value is ₹7.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Sep 2024) to ₹7.00 Cr., marking an increase of ₹7.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹28.00 Cr.. The value appears to be declining and may need further review. It has decreased from 32.00 Cr. (Sep 2024) to ₹28.00 Cr., marking a decrease of 4.00 Cr..
For Tax %, as of Dec 2024, the value is 18.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Sep 2024) to 18.00%, marking a decrease of 3.00%.
For Net Profit, as of Dec 2024, the value is ₹23.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Sep 2024) to ₹23.00 Cr., marking a decrease of 3.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 2.44. The value appears to be declining and may need further review. It has decreased from ₹2.76 (Sep 2024) to 2.44, marking a decrease of ₹0.32.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:33 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	180	184	186	185	208	224	230	266	258	254	231	242	241
Interest	89	81	85	90	91	96	104	121	130	120	91	100	101
Expenses	20	20	20	19	43	20	18	47	27	25	30	27	30
Financing Profit	72	83	81	75	74	107	108	98	101	109	111	115	110
Financing Margin %	40%	45%	43%	41%	35%	48%	47%	37%	39%	43%	48%	47%	46%
Other Income	2	3	2	1	24	0	6	0	0	0	0	0	7
Depreciation	2	2	1	1	1	1	0	1	1	1	2	1	1
Profit before tax	72	84	82	76	97	107	114	97	100	108	109	114	116
Tax %	23%	30%	26%	29%	27%	28%	24%	17%	19%	21%	20%	20%
Net Profit	56	58	60	54	70	77	86	81	81	85	88	91	94
EPS in Rs	6.88	7.25	7.46	6.64	8.73	9.60	10.69	10.04	10.00	9.44	9.73	10.08	10.20
Dividend Payout %	17%	17%	24%	27%	23%	21%	21%	0%	8%	13%	25%	25%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	3.57%	3.45%	-10.00%	29.63%	10.00%	11.69%	-5.81%	0.00%	4.94%	3.53%	3.41%
Change in YoY Net Profit Growth (%)	0.00%	-0.12%	-13.45%	39.63%	-19.63%	1.69%	-17.50%	5.81%	4.94%	-1.41%	-0.12%

Tourism Finance Corporation of India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	3%
5 Years:	1%
3 Years:	-2%
TTM:	-1%

Compounded Profit Growth
10 Years:	5%
5 Years:	1%
3 Years:	4%
TTM:	-2%

Stock Price CAGR
10 Years:	7%
5 Years:	26%
3 Years:	34%
1 Year:	-27%

Return on Equity
10 Years:	10%
5 Years:	10%
3 Years:	9%
Last Year:	9%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 6:41 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	81	81	81	81	81	81	81	81	81	90	90	90	93
Reserves	339	356	398	433	474	597	656	673	711	847	927	999	1,074
Borrowings	911	862	956	996	1,050	1,304	1,324	1,447	1,360	1,272	999	978	1,035
Other Liabilities	61	64	65	80	96	35	30	43	34	35	29	39	39
Total Liabilities	1,392	1,362	1,501	1,590	1,700	2,017	2,091	2,244	2,185	2,245	2,045	2,106	2,240
Fixed Assets	32	30	30	29	20	15	14	18	16	17	15	15	14
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	181	138	190	255	248	301	318	219	159	165	338	461	610
Other Assets	1,179	1,193	1,281	1,307	1,432	1,701	1,758	2,008	2,010	2,062	1,692	1,630	1,616
Total Assets	1,392	1,362	1,501	1,590	1,700	2,017	2,091	2,244	2,185	2,245	2,045	2,106	2,240

Below is a detailed analysis of the balance sheet data for Tourism Finance Corporation of India Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹93.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹90.00 Cr. (Mar 2024) to ₹93.00 Cr., marking an increase of 3.00 Cr..
For Reserves, as of Sep 2024, the value is ₹1,074.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹999.00 Cr. (Mar 2024) to ₹1,074.00 Cr., marking an increase of 75.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹1,035.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from ₹978.00 Cr. (Mar 2024) to ₹1,035.00 Cr., marking an increase of 57.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹39.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹39.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹2,240.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹2,106.00 Cr. (Mar 2024) to ₹2,240.00 Cr., marking an increase of 134.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹14.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹15.00 Cr. (Mar 2024) to ₹14.00 Cr., marking a decrease of 1.00 Cr..
For CWIP, as of Sep 2024, 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 Sep 2024, the value is ₹610.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹461.00 Cr. (Mar 2024) to ₹610.00 Cr., marking an increase of 149.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹1,616.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹1,630.00 Cr. (Mar 2024) to ₹1,616.00 Cr., marking a decrease of 14.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹2,240.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹2,106.00 Cr. (Mar 2024) to ₹2,240.00 Cr., marking an increase of 134.00 Cr..

Notably, the Reserves (₹1,074.00 Cr.) exceed the Borrowings (1,035.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	2	19	15	22	-7	135	-54	161	-171	139	-137	-7
Cash from Investing Activity +	-6	-0	-0	-0	31	-0	-0	-1	-0	-2	-0	-0
Cash from Financing Activity +	-13	-11	-21	-19	-19	-20	-20	-22	-1	57	-12	-22
Net Cash Flow	-17	7	-6	3	6	115	-74	139	-172	193	-149	-29

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-891.00	-842.00	-936.00	-977.00	42.00	19.00	17.00	46.00	26.00	24.00	-969.00	-951.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	14%	14%	13%	11%	10%	13%	12%	11%	10%	10%	9%	9%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	27.25%	28.43%	28.43%	28.43%	16.83%	17.94%	17.96%	17.96%	17.96%	17.67%	8.04%	7.85%
FIIs	16.16%	14.14%	14.47%	14.57%	16.85%	16.72%	16.78%	16.29%	13.01%	13.88%	3.41%	2.97%
DIIs	0.03%	0.01%	0.00%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.04%
Government	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	56.56%	57.42%	57.09%	56.99%	66.30%	65.32%	65.24%	65.73%	69.02%	68.44%	88.53%	89.14%
No. of Shareholders	66,400	65,179	63,669	61,728	61,207	58,073	57,318	56,954	60,671	58,817	89,502	93,488

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00
Basic EPS (Rs.)	10.01	10.00	10.04
Diluted EPS (Rs.)	10.01	10.00	10.04
Cash EPS (Rs.)	9.60	10.28	13.09
Book Value[Excl.RevalReserv]/Share (Rs.)	103.67	98.07	93.35
Book Value[Incl.RevalReserv]/Share (Rs.)	103.67	98.07	93.35
Revenue From Operations / Share (Rs.)	28.13	32.02	32.55
PBDIT / Share (Rs.)	25.38	28.63	27.11
PBIT / Share (Rs.)	25.22	28.49	27.03
PBT / Share (Rs.)	11.94	12.37	12.07
Net Profit / Share (Rs.)	9.44	10.00	10.04
NP After MI And SOA / Share (Rs.)	9.44	10.00	10.04
PBDIT Margin (%)	90.25	89.41	83.27
PBIT Margin (%)	89.67	88.96	83.03
PBT Margin (%)	42.44	38.62	37.08
Net Profit Margin (%)	33.56	31.22	30.83
NP After MI And SOA Margin (%)	33.56	31.22	30.83
Return on Networth / Equity (%)	9.10	10.19	10.75
Return on Capital Employeed (%)	14.53	14.51	13.67
Return On Assets (%)	3.80	3.69	3.61
Long Term Debt / Equity (X)	0.67	0.99	1.11
Total Debt / Equity (X)	1.36	1.72	1.92
Asset Turnover Ratio (%)	0.11	0.11	0.00
Current Ratio (X)	3.25	3.57	3.39
Quick Ratio (X)	3.25	3.57	3.39
Dividend Payout Ratio (NP) (%)	7.56	0.00	26.42
Dividend Payout Ratio (CP) (%)	7.44	0.00	20.26
Earning Retention Ratio (%)	92.44	0.00	73.58
Cash Earning Retention Ratio (%)	92.56	0.00	79.74
Interest Coverage Ratio (X)	1.91	1.78	1.81
Interest Coverage Ratio (Post Tax) (X)	1.71	1.62	1.67
Enterprise Value (Cr.)	1603.45	1837.83	1530.73
EV / Net Operating Revenue (X)	6.31	7.11	5.83
EV / EBITDA (X)	6.99	7.95	7.00
MarketCap / Net Operating Revenue (X)	2.13	1.92	1.04
Retention Ratios (%)	92.43	0.00	73.57
Price / BV (X)	0.57	0.62	0.36
Price / Net Operating Revenue (X)	2.13	1.92	1.04
EarningsYield	0.15	0.16	0.29

After reviewing the key financial ratios for Tourism Finance Corporation of India Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 22, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 21) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 22, the value is 10.01. This value is within the healthy range. It has increased from 10.00 (Mar 21) to 10.01, marking an increase of 0.01.
For Diluted EPS (Rs.), as of Mar 22, the value is 10.01. This value is within the healthy range. It has increased from 10.00 (Mar 21) to 10.01, marking an increase of 0.01.
For Cash EPS (Rs.), as of Mar 22, the value is 9.60. This value is within the healthy range. It has decreased from 10.28 (Mar 21) to 9.60, marking a decrease of 0.68.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 103.67. It has increased from 98.07 (Mar 21) to 103.67, marking an increase of 5.60.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 103.67. It has increased from 98.07 (Mar 21) to 103.67, marking an increase of 5.60.
For Revenue From Operations / Share (Rs.), as of Mar 22, the value is 28.13. It has decreased from 32.02 (Mar 21) to 28.13, marking a decrease of 3.89.
For PBDIT / Share (Rs.), as of Mar 22, the value is 25.38. This value is within the healthy range. It has decreased from 28.63 (Mar 21) to 25.38, marking a decrease of 3.25.
For PBIT / Share (Rs.), as of Mar 22, the value is 25.22. This value is within the healthy range. It has decreased from 28.49 (Mar 21) to 25.22, marking a decrease of 3.27.
For PBT / Share (Rs.), as of Mar 22, the value is 11.94. This value is within the healthy range. It has decreased from 12.37 (Mar 21) to 11.94, marking a decrease of 0.43.
For Net Profit / Share (Rs.), as of Mar 22, the value is 9.44. This value is within the healthy range. It has decreased from 10.00 (Mar 21) to 9.44, marking a decrease of 0.56.
For NP After MI And SOA / Share (Rs.), as of Mar 22, the value is 9.44. This value is within the healthy range. It has decreased from 10.00 (Mar 21) to 9.44, marking a decrease of 0.56.
For PBDIT Margin (%), as of Mar 22, the value is 90.25. This value is within the healthy range. It has increased from 89.41 (Mar 21) to 90.25, marking an increase of 0.84.
For PBIT Margin (%), as of Mar 22, the value is 89.67. This value exceeds the healthy maximum of 20. It has increased from 88.96 (Mar 21) to 89.67, marking an increase of 0.71.
For PBT Margin (%), as of Mar 22, the value is 42.44. This value is within the healthy range. It has increased from 38.62 (Mar 21) to 42.44, marking an increase of 3.82.
For Net Profit Margin (%), as of Mar 22, the value is 33.56. This value exceeds the healthy maximum of 10. It has increased from 31.22 (Mar 21) to 33.56, marking an increase of 2.34.
For NP After MI And SOA Margin (%), as of Mar 22, the value is 33.56. This value exceeds the healthy maximum of 20. It has increased from 31.22 (Mar 21) to 33.56, marking an increase of 2.34.
For Return on Networth / Equity (%), as of Mar 22, the value is 9.10. This value is below the healthy minimum of 15. It has decreased from 10.19 (Mar 21) to 9.10, marking a decrease of 1.09.
For Return on Capital Employeed (%), as of Mar 22, the value is 14.53. This value is within the healthy range. It has increased from 14.51 (Mar 21) to 14.53, marking an increase of 0.02.
For Return On Assets (%), as of Mar 22, the value is 3.80. This value is below the healthy minimum of 5. It has increased from 3.69 (Mar 21) to 3.80, marking an increase of 0.11.
For Long Term Debt / Equity (X), as of Mar 22, the value is 0.67. This value is within the healthy range. It has decreased from 0.99 (Mar 21) to 0.67, marking a decrease of 0.32.
For Total Debt / Equity (X), as of Mar 22, the value is 1.36. This value exceeds the healthy maximum of 1. It has decreased from 1.72 (Mar 21) to 1.36, marking a decrease of 0.36.
For Asset Turnover Ratio (%), as of Mar 22, the value is 0.11. There is no change compared to the previous period (Mar 21) which recorded 0.11.
For Current Ratio (X), as of Mar 22, the value is 3.25. This value exceeds the healthy maximum of 3. It has decreased from 3.57 (Mar 21) to 3.25, marking a decrease of 0.32.
For Quick Ratio (X), as of Mar 22, the value is 3.25. This value exceeds the healthy maximum of 2. It has decreased from 3.57 (Mar 21) to 3.25, marking a decrease of 0.32.
For Dividend Payout Ratio (NP) (%), as of Mar 22, the value is 7.56. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 21) to 7.56, marking an increase of 7.56.
For Dividend Payout Ratio (CP) (%), as of Mar 22, the value is 7.44. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 21) to 7.44, marking an increase of 7.44.
For Earning Retention Ratio (%), as of Mar 22, the value is 92.44. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 21) to 92.44, marking an increase of 92.44.
For Cash Earning Retention Ratio (%), as of Mar 22, the value is 92.56. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 21) to 92.56, marking an increase of 92.56.
For Interest Coverage Ratio (X), as of Mar 22, the value is 1.91. This value is below the healthy minimum of 3. It has increased from 1.78 (Mar 21) to 1.91, marking an increase of 0.13.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 22, the value is 1.71. This value is below the healthy minimum of 3. It has increased from 1.62 (Mar 21) to 1.71, marking an increase of 0.09.
For Enterprise Value (Cr.), as of Mar 22, the value is 1,603.45. It has decreased from 1,837.83 (Mar 21) to 1,603.45, marking a decrease of 234.38.
For EV / Net Operating Revenue (X), as of Mar 22, the value is 6.31. This value exceeds the healthy maximum of 3. It has decreased from 7.11 (Mar 21) to 6.31, marking a decrease of 0.80.
For EV / EBITDA (X), as of Mar 22, the value is 6.99. This value is within the healthy range. It has decreased from 7.95 (Mar 21) to 6.99, marking a decrease of 0.96.
For MarketCap / Net Operating Revenue (X), as of Mar 22, the value is 2.13. This value is within the healthy range. It has increased from 1.92 (Mar 21) to 2.13, marking an increase of 0.21.
For Retention Ratios (%), as of Mar 22, the value is 92.43. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 21) to 92.43, marking an increase of 92.43.
For Price / BV (X), as of Mar 22, the value is 0.57. This value is below the healthy minimum of 1. It has decreased from 0.62 (Mar 21) to 0.57, marking a decrease of 0.05.
For Price / Net Operating Revenue (X), as of Mar 22, the value is 2.13. This value is within the healthy range. It has increased from 1.92 (Mar 21) to 2.13, marking an increase of 0.21.
For EarningsYield, as of Mar 22, the value is 0.15. This value is below the healthy minimum of 5. It has decreased from 0.16 (Mar 21) to 0.15, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Tourism Finance Corporation of India Ltd as of March 12, 2025 is: ₹125.98

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Tourism Finance Corporation of India Ltd is Overvalued by 12.51% compared to the current share price 144.00

Intrinsic Value of Tourism Finance Corporation of India Ltd as of March 12, 2025 is: 126.48

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Tourism Finance Corporation of India Ltd is Overvalued by 12.17% compared to the current share price 144.00

Last 5 Year EPS CAGR: 0.40%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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 Tourism Finance Corporation of India Ltd:
1. Net Profit Margin: 33.56%
  - 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.
2. ROCE: 14.53% (Industry Average ROCE: 9.95%)
  - 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.
3. ROE%: 9.1% (Industry Average ROE: 11.41%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.71
  - 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.
5. Quick Ratio: 3.25
  - 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.
6. Stock P/E: 14.2 (Industry average Stock P/E: 31.22)
  - 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.
7. Total Debt / Equity: 1.36
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Tourism Finance Corporation of India Ltd. is a Public Limited Listed company incorporated on 27/01/1989 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65910DL1989PLC034812 and registration number is 034812. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 241.85 Cr. and Equity Capital is Rs. 90.37 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Term Lending Institutions	4th Floor,Tower-1, NBCC Plaza, New Delhi Delhi 110017	ho@tfciltd.com http://www.tfciltd.com

Management
Name	Position Held
Dr. S Ravi	Non Executive Chairman
Mr. Anoop Bali	WholeTime Director & CFO
Mr. Aditya Kumar Halwasiya	Non Executive Director
Mr. Parkash Chand	Non Exe. & Nominee Director
Mr. Bapi Munshi	Independent Director
Mrs. Thankom T Mathew	Independent Director
Mr. Ashok Kumar Garg	Independent Director
Mr. Deepak Amitabh	Independent Director
Dr. M S Mahabaleshwara	Independent Director

FAQ

What is the latest intrinsic value of Tourism Finance Corporation of India Ltd?

The latest intrinsic value of Tourism Finance Corporation of India Ltd as on 12 March 2025 is ₹125.98, which is 12.51% lower than the current market price of ₹144.00, indicating the stock is overvalued by 12.51%. The intrinsic value of Tourism Finance Corporation of India Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹1,329 Cr. and recorded a high/low of ₹220/122 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹1,074 Cr and total liabilities of ₹2,240 Cr.

What is the Market Cap of Tourism Finance Corporation of India Ltd?

The Market Cap of Tourism Finance Corporation of India Ltd is 1,329 Cr..

What is the current Stock Price of Tourism Finance Corporation of India Ltd as on 12 March 2025?

The current stock price of Tourism Finance Corporation of India Ltd as on 12 March 2025 is ₹144.

What is the High / Low of Tourism Finance Corporation of India Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Tourism Finance Corporation of India Ltd stocks is ₹220/122.

What is the Stock P/E of Tourism Finance Corporation of India Ltd?

The Stock P/E of Tourism Finance Corporation of India Ltd is 14.2.

What is the Book Value of Tourism Finance Corporation of India Ltd?

The Book Value of Tourism Finance Corporation of India Ltd is 126.

What is the Dividend Yield of Tourism Finance Corporation of India Ltd?

The Dividend Yield of Tourism Finance Corporation of India Ltd is 1.75 %.

What is the ROCE of Tourism Finance Corporation of India Ltd?

The ROCE of Tourism Finance Corporation of India Ltd is 10.5 %.

What is the ROE of Tourism Finance Corporation of India Ltd?

The ROE of Tourism Finance Corporation of India Ltd is 8.65 %.

What is the Face Value of Tourism Finance Corporation of India Ltd?

The Face Value of Tourism Finance Corporation of India Ltd is 10.0.