TCI Finance Ltd.
•Add ratio to table
ABOUT
KEY POINTS
Revenue Breakup Mar 2018 • Non Banking financial Service: 90.3% • Knowledge Process Outsourcing: 9.7%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Asset quality is healthy - gross NPA of just 0.0%
- Operating margins have improved to 97.7% from 81.9%
- Company has consistently been profitable over the last 5 years
- Company generates healthy free cash flow
- Attractively priced for its growth - PEG of 0.1
CONS
- A large part of profit comes from other income (34.6% of PBT)
- Company has a low return on equity of 7.6% over last 3 years
- Company's sales have been declining over the last five years
- Company has delivered a poor profit growth of -2.7% over past five years
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| TCIFINANCE | 15.47 | 4.03 | 19.91 | 0.00 | -0.35 | 17.62 | 0.00 | — | 0.00 | — |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| 11 | 11 | 11 | 17 | 14 | 13 | 14 | 13 | 12 | |
| 9 | 3 | 2 | 4 | 2 | 3 | 3 | 2 | 2 | |
| Operating Profit | 2 | 8 | 8 | 13 | 12 | 10 | 11 | 11 | 10 |
| OPM % | 15.51% | 75.79% | 80.30% | 78.16% | 85.03% | 79.93% | 80.88% | 81.81% | 80.98% |
| 13 | 3 | 1 | 2 | 1 | 0 | 2 | 0 | 2 | |
| Interest | 10 | 11 | 8 | 8 | 5 | 8 | 9 | 9 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 4 | 0 | 1 | 7 | 8 | 2 | 4 | 2 | 6 |
| Tax % | 5.14% | 76.54% | -6.12% | 20.34% | 16.97% | 13.53% | 15.47% | 18.30% | 17.35% |
| Net Profit | 4 | 0 | 1 | 6 | 7 | 2 | 4 | 2 | 5 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout % | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- -6%
- 3 Years:
- -1%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- -3%
- 3 Years:
- 37%
STOCK PRICE CAGR
- 10 Years:
- -4%
- 5 Years:
- 20%
- 3 Years:
- 71%
- 1 Year:
- 17%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 9%
- 3 Years:
- 8%
- Last Year:
- 10%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| 12 | 12 | 13 | 18 | 25 | 27 | 31 | 32 | 37 | |
| 51 | 0 | 0 | 22 | 52 | 59 | 54 | 50 | 31 | |
| Trade Payables | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| 23 | 59 | 56 | 6 | 5 | 4 | 6 | 7 | 8 | |
| Total Liabilities | 100 | 85 | 83 | 59 | 94 | 103 | 104 | 103 | 90 |
| 4 | 4 | 4 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 28 | 28 | 28 | 48 | 48 | 48 | 48 | 48 | 48 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 1 | 0 | 0 | 1 | 5 | 0 | 0 | 0 | 0 |
| 67 | 52 | 50 | 10 | 41 | 54 | 55 | 53 | 41 | |
| Total Assets | 100 | 85 | 83 | 59 | 94 | 103 | 104 | 103 | 90 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| -0 | -2 | -1 | -4 | 4 | 1 | 1 | 6 | -1 | |
| Cash from Investing | -3 | 9 | 1 | -9 | 4 | 1 | 2 | 1 | 3 |
| Cash from Financing | 11 | -14 | -3 | -29 | 28 | 7 | -5 | -4 | -19 |
| 1 | -1 | -0 | 1 | 4 | -4 | 0 | -0 | -0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-03 - The Exchange has sought clarification from Tci Finance Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.
2026-08-29 - Tci Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 27, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-27 - Outcome of 52nd AGM of the Company
2026-08-17 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-14 - Tci Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-10 - Tci Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-01 - The Exchange had sought clarification from Tci Finance Limited for the quarter ended 31-Mar-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company was required to clarify the following: The response of the Company is enclosed.
News
Recent coverage and analyst commentary for TCIFINANCE
Loading news…
AI Stock Analyst
TCI Finance Ltd.
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account