Share Price and Basic Stock Data
Last Updated: November 20, 2025, 8:50 pm
| PEG Ratio | 5.14 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Tourism Finance Corporation of India Ltd (TFI) operates in the finance sector, specifically focusing on term lending institutions. As of the latest data, TFI’s stock price stood at ₹64.4, with a market capitalization of ₹2,981 Cr. The company has experienced fluctuating revenue trends over recent quarters. For instance, revenue recorded in June 2022 was ₹63 Cr, which fell to ₹51 Cr by December 2022, before recovering to ₹60 Cr in March 2023. The latest reported revenue for December 2023 rose to ₹67 Cr, indicating a positive trajectory. Overall, for the fiscal year ending March 2025, TFI reported a projected revenue of ₹252 Cr, reflecting a steady growth pattern from ₹231 Cr in March 2023. This upward momentum in revenue, despite some quarterly fluctuations, underscores TFI’s resilience in the competitive lending landscape.
Profitability and Efficiency Metrics
TFI’s profitability metrics demonstrate a mixed yet generally positive performance. The latest reported net profit for the fiscal year ending March 2025 stood at ₹104 Cr, an increase from ₹88 Cr in the previous year. The earnings per share (EPS) also illustrated this growth, rising to ₹2.24 from ₹1.95 in March 2023. The return on equity (ROE) for TFI was recorded at 9% for the fiscal year 2025, consistent with the previous year but lower than the sector average. The interest coverage ratio (ICR) stood at 1.91x, indicating that TFI generates sufficient earnings to cover its interest obligations. However, the financing margin percentage fluctuated, with the latest figure at 48%, suggesting volatility in profitability amidst changing interest rates and competitive pressures. Overall, while TFI demonstrates solid profitability, the efficiency metrics indicate the need for improvement in maintaining margins.
Balance Sheet Strength and Financial Ratios
TFI’s balance sheet reflects a robust financial position, with total reserves reported at ₹1,124 Cr as of March 2025, up from ₹927 Cr in March 2023. This increase in reserves enhances the company’s financial stability and provides a cushion against potential losses. The borrowing levels, however, reported a decline to ₹862 Cr in March 2025 from ₹999 Cr in the previous year, indicating effective management of liabilities. The price-to-book value (P/BV) ratio stood at 0.57x, suggesting that TFI’s shares are undervalued compared to its book value, which can be an attractive proposition for investors. Furthermore, the total debt-to-equity ratio was recorded at 1.36x, indicating a balanced approach to leveraging while maintaining a healthy equity base. These financial ratios highlight TFI’s strategic management of assets and liabilities, positioning it favorably in the lending sector.
Shareholding Pattern and Investor Confidence
The shareholding structure of TFI reveals significant insights into investor confidence. As of March 2025, public shareholders accounted for 91.46% of the total shareholding, indicating a strong retail presence. Conversely, promoter holdings have seen a notable decline, decreasing from 17.94% in December 2022 to just 3.85% in March 2025. This shift may raise concerns about the commitment of founding stakeholders to the company’s long-term prospects. Foreign institutional investors (FIIs) have also reduced their stake from 16.72% in December 2022 to 3.44% by March 2024, suggesting a cautious stance from external investors. In contrast, domestic institutional investors (DIIs) remained minimal at 0.08%. The increasing number of shareholders, which stood at 71,558, indicates growing interest among retail investors, suggesting potential for future capital inflows if the company can maintain its performance.
Outlook, Risks, and Final Insight
Looking ahead, TFI faces both opportunities and challenges. The positive growth in revenue and net profit indicates a favorable outlook, particularly if the company can enhance its financing margins and maintain efficient cost management. However, risks such as fluctuating interest rates and potential increases in non-performing assets (NPAs) could impact profitability. The gross NPA percentage reported at 5.35% in June 2023 and declining to 2.17% by December 2023 suggests volatility in asset quality that requires close monitoring. Additionally, the shrinking promoter and FII stakes may signal a lack of confidence in the company’s strategic direction. To counter these risks, TFI must focus on strengthening its operational efficiencies and addressing asset quality issues. The company is well-positioned to capitalize on growth in the tourism sector, which could bolster lending opportunities. However, investor sentiment will hinge on sustained performance and effective risk management strategies.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 2,981 Cr. | 64.4 | 75.9/24.4 | 26.5 | 27.0 | 0.93 % | 10.7 % | 8.51 % | 2.00 |
| Power Finance Corporation Ltd (PFC) | 1,23,044 Cr. | 373 | 524/357 | 4.97 | 385 | 4.24 % | 9.73 % | 21.0 % | 10.0 |
| IFCI Ltd | 14,347 Cr. | 53.3 | 74.5/35.7 | 37.7 | 32.9 | 0.00 % | 8.08 % | 2.60 % | 10.0 |
| Housing & Urban Development Corporation Ltd (HUDCO) | 47,471 Cr. | 237 | 264/159 | 16.9 | 90.1 | 1.75 % | 9.62 % | 15.7 % | 10.0 |
| Industry Average | 46,960.75 Cr | 181.93 | 21.52 | 133.75 | 1.73% | 9.53% | 11.95% | 8.00 |
All Competitor Stocks of Tourism Finance Corporation of India Ltd
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 63 | 58 | 51 | 60 | 59 | 58 | 67 | 58 | 62 | 65 | 57 | 68 | 64 |
| Interest | 26 | 22 | 21 | 21 | 23 | 26 | 26 | 26 | 24 | 26 | 26 | 24 | 22 |
| Expenses | 5 | 13 | 5 | 7 | 7 | 8 | 5 | 7 | 6 | 6 | 10 | 9 | 6 |
| Financing Profit | 32 | 22 | 25 | 32 | 30 | 24 | 36 | 25 | 32 | 32 | 21 | 35 | 36 |
| Financing Margin % | 51% | 38% | 49% | 53% | 50% | 42% | 54% | 43% | 52% | 50% | 36% | 52% | 57% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 1 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 31 | 22 | 24 | 32 | 29 | 24 | 36 | 25 | 32 | 32 | 28 | 36 | 38 |
| Tax % | 21% | 9% | 25% | 22% | 17% | 21% | 24% | 17% | 20% | 21% | 18% | 17% | 20% |
| Net Profit | 25 | 20 | 18 | 25 | 24 | 19 | 28 | 20 | 25 | 26 | 23 | 30 | 31 |
| EPS in Rs | 2.76 | 2.18 | 2.03 | 2.75 | 2.70 | 2.07 | 3.05 | 2.26 | 2.74 | 2.76 | 2.44 | 3.26 | 3.30 |
| Gross NPA % | 4.58% | 3.92% | 5.35% | 3.76% | 2.17% | 2.75% | 2.81% | 2.82% | 5.61% | 3.22% | |||
| Net NPA % | 3.56% | 2.95% | 4.16% | 2.82% | 1.38% | 1.51% | 1.54% | 1.55% | 3.92% | 1.61% |
Last Updated: August 20, 2025, 2:05 am
Below is a detailed analysis of the quarterly data for Tourism Finance Corporation of India Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 22.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 24.00 Cr. (Mar 2025) to 22.00 Cr., marking a decrease of 2.00 Cr..
- For Expenses, as of Jun 2025, the value is 6.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9.00 Cr. (Mar 2025) to 6.00 Cr., marking a decrease of 3.00 Cr..
- For Other Income, as of Jun 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Mar 2025) to 2.00 Cr., marking an increase of 1.00 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 38.00 Cr.. The value appears strong and on an upward trend. It has increased from 36.00 Cr. (Mar 2025) to 38.00 Cr., marking an increase of 2.00 Cr..
- For Tax %, as of Jun 2025, the value is 20.00%. The value appears to be increasing, which may not be favorable. It has increased from 17.00% (Mar 2025) to 20.00%, marking an increase of 3.00%.
- For Net Profit, as of Jun 2025, the value is 31.00 Cr.. The value appears strong and on an upward trend. It has increased from 30.00 Cr. (Mar 2025) to 31.00 Cr., marking an increase of 1.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.30. The value appears strong and on an upward trend. It has increased from 3.26 (Mar 2025) to 3.30, marking an increase of 0.04.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 4:16 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 184 | 186 | 185 | 208 | 224 | 230 | 266 | 258 | 254 | 231 | 242 | 252 | 255 |
| Interest | 81 | 85 | 90 | 91 | 96 | 104 | 121 | 130 | 120 | 91 | 100 | 100 | 96 |
| Expenses | 20 | 20 | 19 | 43 | 20 | 18 | 47 | 27 | 25 | 30 | 27 | 31 | 31 |
| Financing Profit | 83 | 81 | 75 | 74 | 107 | 108 | 98 | 101 | 109 | 111 | 115 | 121 | 129 |
| Financing Margin % | 45% | 43% | 41% | 35% | 48% | 47% | 37% | 39% | 43% | 48% | 47% | 48% | 50% |
| Other Income | 3 | 2 | 1 | 24 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 8 | 10 |
| Depreciation | 2 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
| Profit before tax | 84 | 82 | 76 | 97 | 107 | 114 | 97 | 100 | 108 | 109 | 114 | 128 | 139 |
| Tax % | 30% | 26% | 29% | 27% | 28% | 24% | 17% | 19% | 21% | 20% | 20% | 19% | |
| Net Profit | 58 | 60 | 54 | 70 | 77 | 86 | 81 | 81 | 85 | 88 | 91 | 104 | 112 |
| EPS in Rs | 1.45 | 1.49 | 1.33 | 1.75 | 1.92 | 2.14 | 2.01 | 2.00 | 1.89 | 1.95 | 2.02 | 2.24 | 2.43 |
| Dividend Payout % | 17% | 24% | 27% | 23% | 21% | 21% | 0% | 8% | 13% | 25% | 25% | 27% |
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 (%) | 3.45% | -10.00% | 29.63% | 10.00% | 11.69% | -5.81% | 0.00% | 4.94% | 3.53% | 3.41% | 14.29% |
| Change in YoY Net Profit Growth (%) | 0.00% | -13.45% | 39.63% | -19.63% | 1.69% | -17.50% | 5.81% | 4.94% | -1.41% | -0.12% | 10.88% |
Tourism Finance Corporation of India 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: | 3% |
| 5 Years: | -1% |
| 3 Years: | 0% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 4% |
| 3 Years: | 5% |
| TTM: | 18% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 54% |
| 3 Years: | 77% |
| 1 Year: | 88% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 9% |
| 3 Years: | 9% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: July 25, 2025, 2:11 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 | 81 | 81 | 81 | 81 | 81 | 81 | 81 | 81 | 90 | 90 | 90 | 93 |
| Reserves | 356 | 398 | 433 | 474 | 597 | 656 | 673 | 711 | 847 | 927 | 999 | 1,124 |
| Borrowing | 862 | 956 | 996 | 1,050 | 1,304 | 1,324 | 1,447 | 1,360 | 1,272 | 999 | 978 | 862 |
| Other Liabilities | 64 | 65 | 80 | 96 | 35 | 30 | 43 | 34 | 35 | 29 | 39 | 23 |
| Total Liabilities | 1,362 | 1,501 | 1,590 | 1,700 | 2,017 | 2,091 | 2,244 | 2,185 | 2,245 | 2,045 | 2,106 | 2,102 |
| Fixed Assets | 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 |
| Investments | 138 | 190 | 255 | 248 | 301 | 318 | 219 | 159 | 165 | 338 | 461 | 259 |
| Other Assets | 1,193 | 1,281 | 1,307 | 1,432 | 1,701 | 1,758 | 2,008 | 2,010 | 2,062 | 1,692 | 1,630 | 1,830 |
| Total Assets | 1,362 | 1,501 | 1,590 | 1,700 | 2,017 | 2,091 | 2,244 | 2,185 | 2,245 | 2,045 | 2,106 | 2,102 |
Below is a detailed analysis of the balance sheet data for Tourism Finance Corporation of India 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 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 Mar 2025, the value is 1,124.00 Cr.. The value appears strong and on an upward trend. It has increased from 999.00 Cr. (Mar 2024) to 1,124.00 Cr., marking an increase of 125.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 23.00 Cr.. The value appears to be improving (decreasing). It has decreased from 39.00 Cr. (Mar 2024) to 23.00 Cr., marking a decrease of 16.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 2,102.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,106.00 Cr. (Mar 2024) to 2,102.00 Cr., marking a decrease of 4.00 Cr..
- For Fixed Assets, as of Mar 2025, 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 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 259.00 Cr.. The value appears to be declining and may need further review. It has decreased from 461.00 Cr. (Mar 2024) to 259.00 Cr., marking a decrease of 202.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1,830.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,630.00 Cr. (Mar 2024) to 1,830.00 Cr., marking an increase of 200.00 Cr..
- For Total Assets, as of Mar 2025, the value is 2,102.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,106.00 Cr. (Mar 2024) to 2,102.00 Cr., marking a decrease of 4.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -842.00 | -936.00 | -977.00 | 42.00 | 19.00 | 17.00 | 46.00 | 26.00 | 24.00 | -969.00 | -951.00 | -831.00 |
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.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 13% | 11% | 10% | 13% | 12% | 11% | 10% | 10% | 9% | 9% | 9% |
This stock is not held by any mutual fund.
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.
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:
- 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.
- ROCE: 14.53% (Industry Average ROCE: 9.53%)
- 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%: 9.1% (Industry Average ROE: 11.95%)
- 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): 1.71
- 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.
- 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.
- Stock P/E: 26.5 (Industry average Stock P/E: 21.52)
- 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: 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.
Stock Rating: - Net Profit Margin: 33.56%
About the Company - Qualitative Analysis
| 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 | Managing Director & CFO |
| Mr. Aditya Kumar Halwasiya | Non Executive Director |
| Mr. Parkash Chand | Non Exe. & Nominee Director |
| Mr. Ashok Kumar Garg | Independent Director |
| Mr. Bapi Munshi | Independent Director |
| Mrs. Thankom T Mathew | Independent Director |
| Dr. M S Mahabaleshwara | Independent Director |
| Mr. Deepak Amitabh | Independent Director |
FAQ
What is the intrinsic value of Tourism Finance Corporation of India Ltd?
Tourism Finance Corporation of India Ltd's intrinsic value (as of 20 November 2025) is 49.16 which is 23.66% lower the current market price of 64.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,981 Cr. market cap, FY2025-2026 high/low of 75.9/24.4, reserves of ₹1,124 Cr, and liabilities of 2,102 Cr.
What is the Market Cap of Tourism Finance Corporation of India Ltd?
The Market Cap of Tourism Finance Corporation of India Ltd is 2,981 Cr..
What is the current Stock Price of Tourism Finance Corporation of India Ltd as on 20 November 2025?
The current stock price of Tourism Finance Corporation of India Ltd as on 20 November 2025 is 64.4.
What is the High / Low of Tourism Finance Corporation of India Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Tourism Finance Corporation of India Ltd stocks is 75.9/24.4.
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 26.5.
What is the Book Value of Tourism Finance Corporation of India Ltd?
The Book Value of Tourism Finance Corporation of India Ltd is 27.0.
What is the Dividend Yield of Tourism Finance Corporation of India Ltd?
The Dividend Yield of Tourism Finance Corporation of India Ltd is 0.93 %.
What is the ROCE of Tourism Finance Corporation of India Ltd?
The ROCE of Tourism Finance Corporation of India Ltd is 10.7 %.
What is the ROE of Tourism Finance Corporation of India Ltd?
The ROE of Tourism Finance Corporation of India Ltd is 8.51 %.
What is the Face Value of Tourism Finance Corporation of India Ltd?
The Face Value of Tourism Finance Corporation of India Ltd is 2.00.