Share Price and Basic Stock Data
Last Updated: December 31, 2025, 8:34 pm
| PEG Ratio | 5.22 |
|---|
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 within the finance sector, specifically focusing on term lending institutions. The company’s stock price stood at ₹65.2, with a market capitalization of ₹3,022 Cr. Revenue figures have demonstrated variability over the past quarters, recording ₹58 Cr in September 2023 and ₹67 Cr in December 2023. Year-on-year, the revenue for FY 2023 was ₹231 Cr, which marginally increased to ₹242 Cr in FY 2024. The revenue trajectory reflects a gradual recovery from the lows of the pandemic, although it has not yet returned to pre-pandemic levels of ₹266 Cr recorded in FY 2020. The financing profit margin has remained relatively stable, averaging around 50% during this period, indicating a consistent ability to manage lending operations despite fluctuations in revenue. The overall revenue picture suggests a cautious optimism as TFI navigates the evolving landscape of tourism financing.
Profitability and Efficiency Metrics
In terms of profitability, TFI reported a net profit of ₹112 Cr, with a P/E ratio of 26.9 and a return on equity (ROE) of 8.51%. The net profit margin stood at a healthy 33.56% as of March 2022, reflecting effective cost management, particularly as expenses have been controlled. The interest coverage ratio (ICR) of 1.91x indicates that TFI comfortably meets its interest obligations, which is crucial for a finance company. However, the gross NPA ratio fluctuated, peaking at 5.35% in June 2023 before declining to 2.17% by December 2023, suggesting improvements in asset quality. The financing margin percentage, which averaged around 50%, underscores the company’s ability to maintain profitability despite competitive pressures. These metrics collectively highlight TFI’s efficient operation and risk management, although the variability in NPAs poses a concern for future profitability.
Balance Sheet Strength and Financial Ratios
TFI’s balance sheet reflects a robust foundation with total reserves amounting to ₹1,159 Cr and borrowings recorded at ₹862 Cr for FY 2025. The debt-to-equity ratio of 1.36 signifies a balanced approach to leveraging, which is critical in the finance sector. The company’s book value per share increased to ₹103.67 as of March 2022, further enhancing shareholder value. The price-to-book value (P/BV) ratio stood at a low 0.57x, indicating that the stock may be undervalued relative to its net assets, a potential attraction for value investors. Furthermore, the return on capital employed (ROCE) of 10.7% suggests that TFI efficiently utilizes its capital to generate returns. However, the declining trend in total liabilities from ₹2,244 Cr in FY 2020 to ₹2,045 Cr in FY 2023 indicates a cautious stance on expansion, which could limit growth opportunities if not managed effectively.
Shareholding Pattern and Investor Confidence
The shareholding pattern of TFI indicates a significant presence of public shareholders, accounting for 91.46% of the total shareholdings as of September 2025. This high public ownership suggests a strong retail investor interest in the company. However, promoter holdings have declined sharply to 3.85% by March 2025 from a previous 17.94% in December 2022, raising concerns about insider confidence. Foreign institutional investors (FIIs) hold 4.61%, while domestic institutional investors (DIIs) represent a negligible 0.08%. The increase in the number of shareholders from 58,073 in December 2022 to 71,558 in September 2025 reflects growing investor interest, despite the decline in promoter stakes. This evolving landscape of ownership may influence market perceptions and investor confidence moving forward, potentially impacting share price performance.
Outlook, Risks, and Final Insight
The outlook for TFI remains cautiously optimistic, bolstered by improving revenue trends and a solid balance sheet. However, challenges persist, particularly with fluctuating NPA ratios and declining promoter stakes, which could erode investor confidence. The company’s ability to navigate the competitive landscape of tourism financing and manage asset quality will be pivotal in sustaining profitability. Risks include potential economic downturns affecting tourism and increased competition from other financing institutions, which may pressure margins. If TFI can maintain its expense control while enhancing asset quality, it may see improved financial performance. Conversely, failure to address these risks could lead to stagnation or declines in profitability. Overall, TFI’s current financial health and market positioning suggest it is well-equipped to weather short-term challenges while seizing long-term growth opportunities in the evolving tourism 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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Tourism Finance Corporation of India Ltd | 3,022 Cr. | 65.2 | 75.9/24.4 | 26.9 | 27.0 | 0.92 % | 10.7 % | 8.51 % | 2.00 |
| Power Finance Corporation Ltd (PFC) | 1,17,286 Cr. | 355 | 475/330 | 4.74 | 385 | 4.45 % | 9.73 % | 21.0 % | 10.0 |
| IFCI Ltd | 14,247 Cr. | 52.9 | 74.5/35.7 | 37.4 | 32.9 | 0.00 % | 8.08 % | 2.60 % | 10.0 |
| Housing & Urban Development Corporation Ltd (HUDCO) | 45,616 Cr. | 228 | 254/159 | 16.3 | 90.1 | 1.82 % | 9.62 % | 15.7 % | 10.0 |
| Industry Average | 45,042.75 Cr | 175.28 | 21.34 | 133.75 | 1.80% | 9.53% | 11.95% | 8.00 |
All Competitor Stocks of Tourism Finance Corporation of India Ltd
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 58 | 51 | 60 | 59 | 58 | 67 | 58 | 62 | 65 | 57 | 68 | 64 | 66 |
| Interest | 22 | 21 | 21 | 23 | 26 | 26 | 26 | 24 | 26 | 26 | 24 | 22 | 23 |
| Expenses | 13 | 5 | 7 | 7 | 8 | 5 | 7 | 6 | 6 | 10 | 9 | 6 | 6 |
| Financing Profit | 22 | 25 | 32 | 30 | 24 | 36 | 25 | 32 | 32 | 21 | 35 | 36 | 37 |
| Financing Margin % | 38% | 49% | 53% | 50% | 42% | 54% | 43% | 52% | 50% | 36% | 52% | 57% | 55% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 1 | 2 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 22 | 24 | 32 | 29 | 24 | 36 | 25 | 32 | 32 | 28 | 36 | 38 | 37 |
| Tax % | 9% | 25% | 22% | 17% | 21% | 24% | 17% | 20% | 21% | 18% | 17% | 20% | 21% |
| Net Profit | 20 | 18 | 25 | 24 | 19 | 28 | 20 | 25 | 26 | 23 | 30 | 31 | 29 |
| EPS in Rs | 0.44 | 0.41 | 0.55 | 0.54 | 0.41 | 0.61 | 0.45 | 0.55 | 0.55 | 0.49 | 0.65 | 0.66 | 0.63 |
| Gross NPA % | 4.58% | 3.92% | 5.35% | 3.76% | 2.17% | 2.75% | 2.81% | 2.82% | 5.61% | 3.22% | 0.24% | 0.22% | |
| Net NPA % | 3.56% | 2.95% | 4.16% | 2.82% | 1.38% | 1.51% | 1.54% | 1.55% | 3.92% | 1.61% |
Last Updated: December 28, 2025, 7:03 pm
Below is a detailed analysis of the quarterly data for Tourism Finance Corporation of India Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 23.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 22.00 Cr. (Jun 2025) to 23.00 Cr., marking an increase of 1.00 Cr..
- For Expenses, as of Sep 2025, the value is 6.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 6.00 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 2.00 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 37.00 Cr.. The value appears to be declining and may need further review. It has decreased from 38.00 Cr. (Jun 2025) to 37.00 Cr., marking a decrease of 1.00 Cr..
- For Tax %, as of Sep 2025, the value is 21.00%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Jun 2025) to 21.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 29.00 Cr.. The value appears to be declining and may need further review. It has decreased from 31.00 Cr. (Jun 2025) to 29.00 Cr., marking a decrease of 2.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.63. The value appears to be declining and may need further review. It has decreased from 0.66 (Jun 2025) to 0.63, marking a decrease 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, 4:29 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: December 10, 2025, 3:34 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 | 81 | 81 | 81 | 81 | 81 | 81 | 81 | 81 | 90 | 90 | 90 | 93 | 93 |
| Reserves | 356 | 398 | 433 | 474 | 597 | 656 | 673 | 711 | 847 | 927 | 999 | 1,124 | 1,159 |
| Borrowing | 862 | 956 | 996 | 1,050 | 1,304 | 1,324 | 1,447 | 1,360 | 1,272 | 999 | 978 | 862 | 1,031 |
| Other Liabilities | 64 | 65 | 80 | 96 | 35 | 30 | 43 | 34 | 35 | 29 | 39 | 23 | 28 |
| 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 | 2,311 |
| Fixed Assets | 30 | 30 | 29 | 20 | 15 | 14 | 18 | 16 | 17 | 15 | 15 | 14 | 14 |
| CWIP | 0 | 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 | 390 |
| 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 | 1,907 |
| 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 | 2,311 |
Below is a detailed analysis of the balance sheet data for Tourism Finance Corporation of India 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 93.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 93.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,159.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,124.00 Cr. (Mar 2025) to 1,159.00 Cr., marking an increase of 35.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 28.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23.00 Cr. (Mar 2025) to 28.00 Cr., marking an increase of 5.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 2,311.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,102.00 Cr. (Mar 2025) to 2,311.00 Cr., marking an increase of 209.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 14.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 14.00 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 390.00 Cr.. The value appears strong and on an upward trend. It has increased from 259.00 Cr. (Mar 2025) to 390.00 Cr., marking an increase of 131.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,907.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,830.00 Cr. (Mar 2025) to 1,907.00 Cr., marking an increase of 77.00 Cr..
- For Total Assets, as of Sep 2025, the value is 2,311.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,102.00 Cr. (Mar 2025) to 2,311.00 Cr., marking an increase of 209.00 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
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: 26.9 (Industry average Stock P/E: 21.34)
- 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 | Contact not found |
| 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 01 January 2026) is ₹49.90 which is 23.47% lower the current market price of ₹65.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,022 Cr. market cap, FY2025-2026 high/low of ₹75.9/24.4, reserves of ₹1,159 Cr, and liabilities of ₹2,311 Cr.
What is the Market Cap of Tourism Finance Corporation of India Ltd?
The Market Cap of Tourism Finance Corporation of India Ltd is 3,022 Cr..
What is the current Stock Price of Tourism Finance Corporation of India Ltd as on 01 January 2026?
The current stock price of Tourism Finance Corporation of India Ltd as on 01 January 2026 is ₹65.2.
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 26.9.
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 0.92 %.
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.