Tourism Finance Corporation Of India Ltd.

•

tfciltd.comBSE: 526650NSE: TFCILTD

Market Cap₹ 6,628 Cr.

Current Price

High / Low₹ 148 / 51

Stock P/E77.5

Book Value—

Price to Book—

Dividend Yield0.42 %

ROCE10.5 %

ROE9.9 %

Face Value₹ 2

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ABOUT

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

Comfortable capital adequacy - CAR of 55.5%
Solid return on assets for a lender - ROA of 5.5%
Company generates healthy free cash flow

CONS

Recent results are weak - TTM profit is down 81.4% versus prior year
Promoter holding has decreased over last 2 years: -4.0pp
Company has a low return on capital employed of 10.3%
Though reporting repeated profits, the company pays out little dividend (12.7%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance Term Lending

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

S.No.	Name
1.	PFC	352.80	4.47	116427.59	5.26	8997.92	0.18	28526.86	0.32	10.05	99.88
2.	IRFC	81.35	14.78	106312.30	2.58	1927.21	10.40	8261.11	451.73	5.64	99.49
3.	RECLTD	315.00	5.17	82946.56	5.89	4192.76	-6.11	14434.92	-1.51	9.71	96.90
4.	IFCI	85.14	131.51	22939.39	0.00	60.27	-3.46	327.06	4.79	7.56	57.66
5.	TFCILTD	143.15	77.53	6627.52	0.42	18.38	-8.25	51.00	-17.46	11.13	90.10
6.	SATIN	216.85	5.85	2395.56	0.00	1226.46	2619.42	7621.36	983.89	12.15	62.96
7.	TRU	4.21	0.00	50.04	0.00	-10.58	-16.29	11.27	-62.55	3.48	-79.12

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
	66	66	62	61	63	58	51
	39	38	36	5	5	13	5
Operating Profit	59	60	55	56	58	45	46
OPM %	88.82%	90.71%	89.25%	92.12%	92.09%	77.31%	90.10%
Other Income	0	0	0	0	0	0	0
Interest	32	32	29	27	26	22	21
Depreciation	0	0	0	0	0	0	0
	26	27	26	29	31	22	24
Tax %	19.85%	20.55%	21.85%	21.47%	20.65%	9.22%	24.61%
Net Profit	21	22	20	22	25	20	18
	0	0	0	2	3	2	2

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2020	Mar 2021	Mar 2022	TTM
	276	258	258	232
	60	27	28	28
Operating Profit	216	231	229	204
OPM %	78.33%	89.39%	88.96%	87.99%
	3	0	0	0
Interest	121	130	120	97
Depreciation	1	1	1	2
Profit before Tax	97	100	108	106
Tax %	16.86%	19.14%	20.93%	19.44%
Net Profit	81	81	85	85
EPS	0.00	10.00	10.01	—
Dividend Payout %	0.00%	8.00%	12.71%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: 31%
5 Years:: 59%
3 Years:: 93%
1 Year:: 95%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 10%
Last Year:: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2020	Mar 2021	Mar 2022
Equity Capital	81	81	90
	673	711	847
	1,447	1,360	1,272
	324	334	200
Total Liabilities	2,525	2,485	2,409
	18	16	17
	218	159	165
Cash & Bank	191	18	211
	2,098	2,292	2,015
Total Assets	2,525	2,485	2,409

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2020	Mar 2021	Mar 2022
	177	-151	161
Cash from Investing	-1	-0	-2
Cash from Financing	-22	-1	57
	139	-172	193

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2020	Mar 2021	Mar 2022

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	7.85	7.85	3.85	3.85	3.85	3.85	3.85	3.85	3.85
	2.97	2.78	2.85	3.44	5.16	4.61	4.34	2.77	5.46
	0.04	0.00	0.00	0.00	0.08	0.08	0.00	0.05	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	89.13	89.36	93.30	92.71	90.90	91.46	91.82	93.33	90.69

Documents

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

2026-08-21

Shareholders meeting

2026-08-21 - Tourism Finance Corporation of India Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 21, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-21

Shareholders meeting

2026-08-21 - Tourism Finance Corporation of India Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 21, 2026

2026-07-31

Updates

2026-07-31 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Intimation Letter'.

2026-07-31

Copy of Newspaper Publication

2026-07-31 - Tourism Finance Corporation of India Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-29

Updates

2026-07-29 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Book Closure and Record date'.

2026-07-29

Record Date

2026-07-29 - Tourism Finance Corporation of India Limited has informed the Exchange that Record date for the purpose of Dividend & Meeting is 14-Aug-2026.

2026-07-29

Shareholders meeting

2026-07-29 - Tourism Finance Corporation of India Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 21, 2026

2026-07-21

Updates

2026-07-21 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Investor Presentation'.

2026-07-21

Copy of Newspaper Publication

2026-07-21 - Tourism Finance Corporation of India Limited has informed the Exchange about Copy of Newspaper Publication

News

Recent coverage and analyst commentary for TFCILTD

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Tourism Finance Corporation Of India Ltd.

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Name

PFC

352.80

4.47

116427.59

5.26

8997.92

0.18

28526.86

0.32

10.05

99.88

IRFC

81.35

14.78

106312.30

2.58

1927.21

10.40

8261.11

451.73

5.64

99.49

RECLTD

315.00

5.17

82946.56

5.89

4192.76

-6.11

14434.92

-1.51

9.71

96.90

IFCI

85.14

131.51

22939.39

0.00

60.27

-3.46

327.06

4.79

7.56

57.66

TFCILTD

143.15

77.53

6627.52

0.42

18.38

-8.25

51.00

-17.46

11.13

90.10

SATIN

216.85

5.85

2395.56

0.00

1226.46

2619.42

7621.36

983.89

12.15

62.96

TRU

4.21

0.00

50.04

0.00

-10.58

-16.29

11.27

-62.55

3.48

-79.12

Jun 2021

Sep 2021

Dec 2021

Mar 2022

Jun 2022

Sep 2022

Dec 2022

Operating Profit

OPM %

88.82%

90.71%

89.25%

92.12%

92.09%

77.31%

90.10%

Other Income

Interest

Depreciation

Tax %

19.85%

20.55%

21.85%

21.47%

20.65%

9.22%

24.61%

Net Profit

Mar 2020

Mar 2021

Mar 2022

TTM

276

258

232

Operating Profit

216

231

229

204

OPM %

78.33%

89.39%

88.96%

87.99%

Interest

121

130

120

Depreciation

Profit before Tax

100

108

106

Tax %

16.86%

19.14%

20.93%

19.44%

Net Profit

EPS

0.00

10.00

10.01

—

Dividend Payout %

0.00%

8.00%

12.71%

—

Mar 2020

Mar 2021

Mar 2022

Equity Capital

673

711

847

1,447

1,360

1,272

324

334

200

Total Liabilities

2,525

2,485

2,409

218

159

165

Cash & Bank

191

211

2,098

2,292

2,015

Total Assets

2,525

2,485

2,409

Mar 2020

Mar 2021

Mar 2022

177

-151

161

Cash from Investing

-1

-0

-2

Cash from Financing

-22

-1

139

-172

193

Mar 2020

Mar 2021

Mar 2022

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

7.85

3.85

2.97

2.78

2.85

3.44

5.16

4.61

4.34

2.77

5.46

0.04

0.00

0.08

0.00

0.05

0.00

Government

0.00

89.13

89.36

93.30

92.71

90.90

91.46

91.82

93.33

90.69

Tourism Finance Corporation Of India 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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Tourism Finance Corporation Of India Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI