Tourism Finance Corporation Of India Ltd.
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ABOUT
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
- Comfortable capital adequacy - CAR of 55.5%
- Solid return on assets for a lender - ROA of 5.5%
- Latest quarter profit grew 100.3% YoY, showing strong momentum
- Company has a consistent dividend-paying track record
CONS
- Promoter holding has decreased over last 2 years: -4.0pp
- Company has a low return on capital employed of 10.9%
- Company has a low return on equity of 9.1% over last 3 years
- Valuation is stretched - P/E of 42.2 is well above its own 5-year median (17.3)
- Company has delivered a poor sales growth of 1.2% over past five years
- Company has delivered a poor profit growth of 8.9% over past five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 353.25 | 4.48 | 116576.09 | 5.25 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.07 | 14.73 | 105946.38 | 2.59 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 312.90 | 5.14 | 82393.58 | 5.93 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 82.32 | 127.15 | 22179.60 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 140.55 | 76.12 | 6507.15 | 0.43 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 216.75 | 5.84 | 2394.46 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| TRU | 4.32 | 0.00 | 51.35 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 59 | 57 | 64 | 58 | 62 | 65 | 57 | 68 | 64 | 66 | 70 | 74 | 81 | |
| 7 | 8 | 5 | 7 | 6 | 6 | 6 | 9 | 6 | 6 | 6 | 9 | 36 | |
| Operating Profit | 53 | 50 | 62 | 50 | 56 | 58 | 43 | 60 | 58 | 60 | 63 | 65 | 72 |
| OPM % | 88.93% | 88.69% | 96.73% | 87.52% | 90.71% | 90.01% | 74.96% | 87.45% | 90.63% | 90.41% | 90.81% | 88.29% | 88.48% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 1 | 2 | 0 | 1 | 0 | 34 |
| Interest | 23 | 26 | 26 | 26 | 24 | 26 | 26 | 24 | 22 | 23 | 24 | 24 | 26 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 29 | 24 | 36 | 25 | 32 | 32 | 28 | 36 | 38 | 37 | 40 | 41 | 78 | |
| Tax % | 17.02% | 21.05% | 23.55% | 17.31% | 20.38% | 20.76% | 17.80% | 16.83% | 19.92% | 20.51% | 21.12% | 21.37% | 21.85% |
| Net Profit | 24 | 19 | 28 | 20 | 25 | 26 | 23 | 30 | 31 | 29 | 32 | 32 | 61 |
| 3 | 2 | 3 | 2 | 3 | 1 | 0 | 1 | 3 | 1 | 1 | 1 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 208 | 224 | 230 | 276 | 258 | 254 | 231 | 242 | 252 | 274 | 291 | |
| 43 | 20 | 18 | 60 | 27 | 25 | 30 | 27 | 31 | 27 | 57 | |
| Operating Profit | 164 | 204 | 212 | 216 | 231 | 229 | 201 | 215 | 221 | 246 | 234 |
| OPM % | 79.08% | 91.13% | 92.10% | 78.33% | 89.40% | 90.20% | 87.03% | 88.94% | 87.67% | 89.99% | 80.40% |
| 24 | 0 | 6 | 3 | 0 | 0 | 0 | 0 | 8 | 3 | 36 | |
| Interest | 91 | 96 | 104 | 121 | 130 | 120 | 91 | 100 | 100 | 93 | 98 |
| Depreciation | 1 | 1 | 0 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 |
| Profit before Tax | 97 | 107 | 114 | 97 | 100 | 108 | 109 | 114 | 128 | 156 | 196 |
| Tax % | 27.41% | 27.57% | 24.10% | 16.86% | 19.13% | 20.93% | 19.59% | 19.99% | 18.91% | 20.75% | 21.35% |
| Net Profit | 70 | 77 | 86 | 81 | 81 | 85 | 88 | 91 | 104 | 123 | 154 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 10.00 | 10.01 | 9.73 | 10.08 | 2.24 | 2.67 | — |
| Dividend Payout % | 22.92% | 20.83% | 20.59% | 0.00% | 8.00% | 12.71% | 24.66% | 24.80% | 26.76% | 22.50% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 4%
- 5 Years:
- 1%
- 3 Years:
- 6%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 9%
- 5 Years:
- 9%
- 3 Years:
- 12%
STOCK PRICE CAGR
- 10 Years:
- 31%
- 5 Years:
- 59%
- 3 Years:
- 93%
- 1 Year:
- 95%
RETURN ON EQUITY
- 10 Years:
- 11%
- 5 Years:
- 9%
- 3 Years:
- 9%
- Last Year:
- 10%
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 | 81 | 81 | 81 | 81 | 81 | 90 | 90 | 90 | 93 | 93 |
| 474 | 597 | 656 | 673 | 711 | 847 | 927 | 999 | 1,124 | 1,223 | |
| 1,050 | 1,304 | 1,324 | 1,447 | 1,360 | 1,272 | 999 | 980 | 864 | 1,079 | |
| Trade Payables | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 96 | 276 | 293 | 324 | 334 | 200 | 215 | 30 | 18 | 14 | |
| Total Liabilities | 1,700 | 2,259 | 2,355 | 2,525 | 2,485 | 2,409 | 2,230 | 2,099 | 2,098 | 2,409 |
| 20 | 15 | 14 | 18 | 16 | 17 | 15 | 15 | 14 | 13 | |
| 248 | 301 | 318 | 219 | 159 | 165 | 338 | 461 | 259 | 249 | |
| Cash & Bank | 11 | 126 | 52 | 191 | 18 | 211 | 62 | 34 | 142 | 68 |
| 1,421 | 1,817 | 1,971 | 2,098 | 2,292 | 2,015 | 1,815 | 1,590 | 1,683 | 2,079 | |
| Total Assets | 1,700 | 2,259 | 2,355 | 2,525 | 2,485 | 2,409 | 2,230 | 2,099 | 2,098 | 2,409 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 15 | 164 | -33 | 177 | -151 | 161 | -118 | -7 | 55 | -46 | |
| Cash from Investing | 31 | -0 | -0 | -1 | -0 | -2 | -0 | -0 | 12 | -0 |
| Cash from Financing | -19 | -20 | -20 | -22 | -1 | 57 | -12 | -22 | 26 | -28 |
| 6 | 115 | -74 | 139 | -172 | 193 | -149 | -29 | 94 | -74 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - Tourism Finance Corporation of India Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 21, 2026
2026-07-31 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Intimation Letter'.
2026-07-31 - Tourism Finance Corporation of India Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-29 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Book Closure and 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 - 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 - Tourism Finance Corporation of India Limited has informed the Exchange regarding 'Investor Presentation'.
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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