TCI Finance Ltd.
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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%
- Company generates healthy free cash flow
CONS
- Net worth is negative - accumulated losses have eroded equity
- Company is loss-making at the operating / net level
- Recent results are weak - TTM profit is down 149.5% versus prior year
- Company has a low return on capital employed of 0.0%
- Company has a low return on equity of 0.0% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110815.96 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| TCIFINANCE | 15.39 | 4.01 | 19.81 | 0.00 | -0.35 | 17.62 | 0.00 | — | 0.00 | — |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | -0 | 0 | -0 | -0 | -1 | -0 | -0 | -2 | -0 | -0 | -0 | -0 | -0 |
| OPM % | -39.13% | 38.10% | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| -0 | 0 | 0 | -0 | -0 | -0 | -0 | 5 | -0 | -0 | -1 | 0 | -0 | |
| Tax % | -0.00% | 0.00% | 0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 0.00% | -0.00% | -0.00% | -0.00% | 0.00% | -0.00% |
| Net Profit | -0 | 0 | 0 | -0 | -0 | -0 | -0 | 5 | -0 | -0 | -1 | 0 | -0 |
| -0 | 0 | 0 | -0 | -0 | -0 | -0 | 4 | -0 | -0 | -1 | 0 | -0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 12 | 12 | 10 | 4 | 4 | 5 | 0 | 1 | 0 | 0 | 0 | |
| 1 | 1 | 2 | 53 | 10 | 82 | 1 | 1 | 3 | 1 | 1 | |
| Operating Profit | 11 | 11 | 8 | -48 | -5 | -77 | -1 | -1 | -3 | -1 | -1 |
| OPM % | 89.82% | 90.60% | 81.19% | -1149.64% | -129.18% | -1703.22% | -137885.71% | -94.35% | — | — | — |
| 2 | 0 | 1 | 0 | 0 | 46 | 0 | 1 | 7 | 0 | 0 | |
| Interest | 9 | 9 | 6 | 4 | 2 | 2 | 2 | 1 | 0 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 4 | 2 | 3 | -52 | -8 | -32 | -3 | -0 | 4 | -2 | -2 |
| Tax % | 15.55% | 18.18% | 29.51% | -0.05% | -0.00% | -1.99% | -0.00% | -0.00% | 0.00% | -0.00% | -0.00% |
| Net Profit | 4 | 2 | 2 | -52 | -8 | -33 | -3 | -0 | 4 | -2 | -2 |
| EPS | 0.00 | 0.00 | 0.00 | -40.64 | -6.03 | -25.61 | -1.95 | -0.37 | 2.78 | -1.39 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- -4%
- 5 Years:
- 26%
- 3 Years:
- 70%
- 1 Year:
- 14%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| 31 | 33 | 23 | -57 | -44 | -61 | -77 | -78 | -89 | -91 | |
| 54 | 50 | 34 | 27 | 25 | 23 | 11 | 86 | 80 | 81 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| 6 | 7 | 72 | 90 | 89 | 88 | 98 | 7 | 4 | 4 | |
| Total Liabilities | 104 | 103 | 143 | 73 | 83 | 63 | 46 | 28 | 7 | 7 |
| 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 50 | 49 | 102 | 24 | 47 | 43 | 26 | 24 | 5 | 5 | |
| Cash & Bank | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 |
| 54 | 53 | 41 | 48 | 36 | 20 | 20 | 1 | 1 | 1 | |
| Total Assets | 104 | 103 | 143 | 73 | 83 | 63 | 46 | 28 | 7 | 7 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 6 | -2 | 4 | 2 | -24 | 10 | 4 | 4 | -2 | |
| Cash from Investing | 2 | 1 | 3 | 25 | 0 | 25 | 2 | 2 | -0 | 0 |
| Cash from Financing | -5 | -4 | -18 | -3 | -2 | -3 | -11 | -4 | -6 | 1 |
| 0 | -0 | -0 | 0 | -0 | 0 | -0 | 2 | -2 | -1 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 2.80 | 1.31 | 1.92 | -40.64 | -6.03 | -25.61 | -1.95 | -0.37 | 2.78 | -1.39 |
| Book Value (₹) | 34.46 | 35.77 | 28.12 | -34.49 | -24.23 | -37.34 | -49.86 | -50.25 | -59.43 | -60.73 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 2.82 | 1.33 | 1.93 | -40.63 | -6.01 | -25.60 | -1.94 | -0.37 | 2.78 | -1.38 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 105.13% | 90.93% | 93.18% | -1149.06% | -129.18% | -679.74% | -137885.71% | -94.35% | 0.00% | 0.00% |
| Net Margin % | 29.48% | 14.35% | 23.97% | -1243.29% | -182.57% | -728.22% | 0.00% | -73.70% | 0.00% | 0.00% |
| ROE % | 8.47% | 3.73% | 6.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROCE % | 12.77% | 10.83% | 11.32% | -172.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 3.46% | 1.62% | 2.00% | -48.31% | -9.91% | -45.04% | -4.60% | -1.30% | 20.47% | -25.06% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 1.18x | 1.05x | 0.91x | -0.64x | -0.85x | -0.49x | -0.18x | -0.12x | -0.02x | -0.03x |
| Interest Coverage (x) | 1.50x | 1.24x | 1.58x | -12.35x | -2.46x | -20.06x | -0.64x | 0.08x | 0.00x | -0.92x |
| 1.41x | 1.35x | 0.50x | 0.49x | 0.38x | 0.22x | 0.19x | 0.73x | 0.36x | 0.03x | |
| GROWTH | ||||||||||
| Revenue Growth % | 8.61% | -3.90% | -12.42% | -59.10% | 1.10% | 6.40% | -99.98% | 0.00% | -100.00% | 0.00% |
| Operating Profit Growth % | 24.09% | -16.88% | -10.24% | -604.37% | 88.63% | -459.89% | 96.86% | 109.16% | 3822.40% | -124.46% |
| Net Profit Growth % | 81.89% | -53.22% | 46.26% | -2221.52% | 85.15% | -324.41% | 92.39% | 80.89% | 846.55% | -149.80% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 80.89% | 846.56% | -149.80% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 4.26x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -0.10x | -0.20x | -0.21x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 132.81x | 4.62x | -22.50x |
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
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