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Tourism Finance Corporation Of India Ltd.

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tfciltd.comBSE: 526650NSE: TFCILTD
Market Cap₹ 6,507 Cr.
Current Price
High / Low₹ 148 / 51
Stock P/E42.2
Book Value₹ 30
Price to Book2.24
Dividend Yield0.43 %
ROCE11.1 %
ROE9.8 %
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%
  • 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

Financial ServicesFinanceFinance Term Lending
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.PFC353.254.48116576.095.258997.920.1828526.860.3210.0599.88
2.IRFC81.0714.73105946.382.591927.2110.408261.11451.735.6499.49
3.RECLTD312.905.1482393.585.934192.76-6.1114434.92-1.519.7196.90
4.IFCI82.32127.1522179.600.0060.27-3.46327.064.797.5657.66
5.TFCILTD140.5576.126507.150.4318.38-8.2551.00-17.4611.1390.10
6.SATIN216.755.842394.460.001226.462619.427621.36983.8912.1562.96
7.TRU4.320.0051.350.00-10.58-16.2911.27-62.553.48-79.12
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
59576458626557686466707481
78576669666936
Operating Profit53506250565843605860636572
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 Income00000071201034
Interest23262626242626242223242426
Depreciation0000000000000
29243625323228363837404178
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 Profit24192820252623303129323261
3232310131110

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
208224230276258254231242252274291
4320186027253027312757
Operating Profit164204212216231229201215221246234
OPM %79.08%91.13%92.10%78.33%89.40%90.20%87.03%88.94%87.67%89.99%80.40%
2406300008336
Interest9196104121130120911001009398
Depreciation11011121111
Profit before Tax9710711497100108109114128156196
Tax %27.41%27.57%24.10%16.86%19.13%20.93%19.59%19.99%18.91%20.75%21.35%
Net Profit7077868181858891104123154
EPS0.000.000.000.0010.0010.019.7310.082.242.67—
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

Corporate actions

2026

Aug 14

₹ 0.30

Rs.0.6000 per share(30%)Final Dividend

2025

Aug 14

₹ 0.30

Rs.3.0000 per share(30%)Final Dividend

2024

Aug 7

₹ 0.25

Rs.2.5000 per share(25%)Final Dividend

2023

Aug 11

₹ 0.24

Rs.2.4000 per share(24%)Final Dividend

2022

Sep 9

₹ 0.12

Rs.1.2000 per share(12%)Dividend

2021

Sep 21

₹ 0.08

Rs.0.8000 per share(8%)Dividend

2018

Aug 2

₹ 0.20

Rs.2.0000 per share(20%)Dividend

2017

Sep 14

₹ 0.20

Rs.2.0000 per share(20%)Dividend

2016

Sep 15

₹ 0.08

Rs.0.8000 per share(8%)Dividend

2015

Dec 16

₹ 0.10

Interim Dividend

2015

Sep 10

₹ 0.08

Rs.0.8000 per share(8%)Final Dividend

2026

Jul 29

₹ 0.30

Rs.0.6000 per share(30%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital81818181819090909393
4745976566737118479279991,1241,223
1,0501,3041,3241,4471,3601,2729999808641,079
Trade Payables0110000000
96276293324334200215301814
Total Liabilities1,7002,2592,3552,5252,4852,4092,2302,0992,0982,409
20151418161715151413
248301318219159165338461259249
Cash & Bank111265219118211623414268
1,4211,8171,9712,0982,2922,0151,8151,5901,6832,079
Total Assets1,7002,2592,3552,5252,4852,4092,2302,0992,0982,409

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
15164-33177-151161-118-755-46
Cash from Investing31-0-0-1-0-2-0-012-0
Cash from Financing-19-20-20-22-157-12-2226-28
6115-74139-172193-149-2994-74

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
7.857.853.853.853.853.853.853.853.85
2.972.782.853.445.164.614.342.775.46
0.040.000.000.000.080.080.000.050.00
Government0.000.000.000.000.000.000.000.000.00
89.1389.3693.3092.7190.9091.4691.8293.3390.69

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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