TCI Finance Ltd.

•

tcifl.inBSE: 501242NSE: TCIFINANCE

Market Cap₹ 20 Cr.

Current Price

High / Low₹ 38 / 10

Stock P/E0.0

Book Value₹ -61

Price to Book-0.21

Dividend Yield0.00 %

ROCE0.0 %

ROE0.0 %

Face Value₹ 10

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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 GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	8302.50	2457.29	20044.70	3172.82	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	TCIFINANCE	15.39	4.01	19.81	0.00	-0.35	17.62	0.00	—	0.00	—

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	24.72	24.72	24.72	24.72	24.72	24.72	24.72	24.72	24.72
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	75.28	75.28	75.28	75.28	75.28	75.28	75.28	75.28	75.28

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-03

Clarification - Financial Results

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

Shareholders meeting

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

Shareholders meeting

2026-08-27 - Outcome of 52nd AGM of the Company

2026-08-17

Copy of Newspaper Publication

2026-08-17 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-14

Outcome of Board Meeting

2026-08-14 - Tci Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-08-05

Copy of Newspaper Publication

2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-05

Copy of Newspaper Publication

2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-10

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-10 - Tci Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-01

Reply to Clarification- Financial results

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

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TCI Finance Ltd.

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Free 5nance Account

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

—

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

Operating Profit

-0

-1

-0

-2

-0

OPM %

-39.13%

38.10%

—

Other Income

Interest

Depreciation

-0

-1

-0

Tax %

-0.00%

0.00%

-0.00%

0.00%

-0.00%

0.00%

-0.00%

Net Profit

-0

-1

-0

-1

-0

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Operating Profit

-48

-5

-77

-1

-3

-1

OPM %

89.82%

90.60%

81.19%

-1149.64%

-129.18%

-1703.22%

-137885.71%

-94.35%

—

Interest

Depreciation

Profit before Tax

-52

-8

-32

-3

-0

-2

Tax %

15.55%

18.18%

29.51%

-0.05%

-0.00%

-1.99%

-0.00%

0.00%

-0.00%

Net Profit

-52

-8

-33

-3

-0

-2

EPS

0.00

-40.64

-6.03

-25.61

-1.95

-0.37

2.78

-1.39

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

-57

-44

-61

-77

-78

-89

-91

Trade Payables

Total Liabilities

104

103

143

102

Cash & Bank

Total Assets

104

103

143

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-2

-24

-2

Cash from Investing

-0

Cash from Financing

-5

-4

-18

-3

-2

-3

-11

-4

-6

-0

-2

-1

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

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%

Net Margin %

29.48%

14.35%

23.97%

-1243.29%

-182.57%

-728.22%

0.00%

-73.70%

0.00%

ROE %

8.47%

3.73%

6.00%

0.00%

ROCE %

12.77%

10.83%

11.32%

-172.19%

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

Inventory Days

Payable Days

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%

80.89%

846.56%

-149.80%

VALUATION

P/E (x)

0.00x

4.26x

0.00x

P/B (x)

0.00x

-0.10x

-0.20x

-0.21x

Dividend Yield %

0.00%

0.00x

132.81x

4.62x

-22.50x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

24.72

FIIs

0.00

DIIs

0.00

Government

0.00

Public

75.28

TCI Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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TCI Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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