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TCI Finance Ltd

TCI Finance

Small Cap4 EmployeesIPO 1995
Current Price
21.45
1.95 (10%)Updated
NSE :TCIFINANCE
BSE :501242
Today's Range
20.78
21.45
indicator
21.45
52 Week Range
52W Low10.00
52W High38.46
21.45
indicator
Downside114.50%
Upside79.30%

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
24.87 Cr
Market Cap
Total market value of company
P/E Ratio
6.77
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
9.68
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
2.85
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
-%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
12.40%
ROCE
Return on Capital Employed. >15% is good
Net Margin
-115.21%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
-%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
-%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
0.91
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
29.09
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
24.70%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • The company trades at a very low P/E ratio of 3.79.
  • Stock valued significantly below book value at 0.31 Price-to-Book.

Weaknesses

5 points
  • Zero sales reported for multiple recent quarters indicates severe operational inactivity.
  • Consistently negative net profits and operating margins (-117.17%) highlight profitability challenges.

Opportunities

5 points
  • Revitalization could capitalize on growth in the broader financial services sector.
  • Low market capitalization and P/B make it an appealing acquisition target.

Threats

5 points
  • Faces severe competition from larger, highly profitable established NBFCs.
  • Zero sales and inconsistent profits risk increased regulatory scrutiny or delisting.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R423.01+₹1.56+7.29%
R322.34+₹0.89+4.16%
R221.90+₹0.45+2.08%
R121.67+₹0.22+1.04%
PIVOT21.23-0.22-1.04%
CURRENT21.45--
S119.66-₹1.79-8.33%
S220.33-₹1.12-5.21%
S320.56-₹0.89-4.16%
S421.00-₹0.45-2.08%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.93L
(23 Dec 2025)
+10.3% vs avg
Delivery %
72.8%
(23 Dec 2025)
+2.5% vs avg
Avg Volume (20D)
1.75L
(26 Nov - 23 Dec)
20-day average
Avg Delivery %
70.4%
(26 Nov - 23 Dec)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Indian Railway Finance Corporation Ltd
1.48L ₹ Cr
Best Profit Growth
Indian Railway Finance Corporation Ltd
10.20 %
Highest Dividend Yield
Indian Railway Finance Corporation Ltd
1.64 %

Peer Comparison

Company Name
IRFC
Indian Railway Finance Corporation Ltd

About

TCIFINANCE

TCI Finance Ltd

TCI Finance Limited is a non-banking financial company (NBFC) based in Hyderabad, India, established in 1973. Its core business revolves around providing a diverse range of financial services to clients within the Indian market. The company's long history establishes it as a relatively established player in the Indian NBFC sector.

A significant portion of TCI Finance's business centers on lending activities. Specifically, they offer loans secured by various assets, a common practice amongst NBFCs. This includes providing financing against securities held by borrowers, allowing them to leverage existing assets for capital. This type of lending requires a robust risk assessment process to evaluate the collateral’s value and the borrower's creditworthiness.

Another substantial area of their operations is commercial vehicle finance. This involves providing loans to individuals and businesses for the purchase or leasing of commercial vehicles such as trucks, buses, and other heavy-duty machinery. This sector represents a sizeable market in India, given the country's extensive transportation and logistics needs. The success in this area hinges on accurate assessment of market demand and a deep understanding of the commercial vehicle industry.

Beyond traditional lending, TCI Finance offers a unique suite of services related to intellectual property (IP). They provide services encompassing global IP conventions, IP valuation, and the management of patents, trademarks, and copyrights. This diversification allows them to cater to a broader clientele and generate revenue streams beyond core lending activities. This segment likely targets businesses seeking to protect and monetize their intellectual assets.

In summary, TCI Finance's business model is built upon a combination of traditional lending services, focused on securing assets and financing commercial vehicles, and specialized services in the intellectual property domain. Their long-standing presence in the Indian market indicates a degree of resilience and adaptability within a competitive financial landscape. The diversification of their offerings likely contributes to mitigating risks associated with fluctuations in any single market segment.

COMPANY FACTS - TCIFINANCE

Registered Address

Plot no-20, Survey no-12,, 4th Floor,Kothaguda,, Kondapur

Hyderabad

TELANGANA

IN

Tel: 914027844284

Website:https://www.tcifl.in/

Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 4

IPO Date: 03/05/1995

MANAGEMENT - TCIFINANCE

Dr. Dhanpal Agarwal

Independent Chairman of the Board

Mr. Santhosh Kumar Vohi

Chief Financial Officer

Mr. S Jasminder Singh

Compliance Officer, Company Secretary

Meera Singh

Additional Director

Mr. Arun Agarwal

Additional Non-Executive Non- Independent Director

Mr. Y. S. R Rajeev Kumar

Non-Executive Non-Independent Director

Mr. Rajesh Kundra

Independent Director

Investor Questions Answered

TCI Finance Ltd (TCIFINANCE) Stock FAQs

Get answers to the most common questions about TCI Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of TCI Finance Ltd (TCIFINANCE) is ₹21.45. Today, the stock has gained by ₹1.95 (10.00%), trading in a range of ₹20.78 to ₹21.45. The stock opened at ₹20.86 with a trading volume of 1,92,982 shares.
TCI Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹24.87 crores, P/E ratio of 6.77, ROE of 0.00%, and ROCE of 12.40%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of TCI Finance Ltd (TCIFINANCE) is ₹38.46, while the 52-week low is ₹10. Currently trading at ₹21.45, the stock is 40.2% away from its 52-week low and 44.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy TCI Finance Ltd stock at ₹21.45 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.77 and P/B ratio of N/A. Today's performance shows a gain of 10.00%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
TCI Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹21.45, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
TCI Finance Ltd's key financial metrics include: P/E Ratio: 6.77, P/B Ratio: N/A, ROE: 0.00%, ROCE: 12.40%, Dividend Yield: 0.00%, EPS: ₹2.85, Book Value: ₹29.09, Debt-to-Equity: 0.91, and Current Ratio: N/A. The company's market cap stands at ₹24.87 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
TCI Finance Ltd stock opened at ₹20.86 and is currently trading at ₹21.45, showing a gain of ₹1.95 (10.00%). The intraday high is ₹21.45 and low is ₹20.78. The trading volume stands at 1,92,982 shares, indicating moderate market participation today.
TCI Finance Ltd has a Price-to-Earnings (P/E) ratio of 6.77, which means investors are willing to pay ₹6.77 for every ₹1 of earnings. With an EPS of ₹2.85, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
TCI Finance Ltd has a market capitalization of ₹24.87 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹21.45) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
TCI Finance Ltd has a book value of ₹29.09 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹21.45, which is 26.3% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
TCI Finance Ltd has a Return on Equity (ROE) of 0.00% and Return on Capital Employed (ROCE) of 12.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
TCI Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
TCI Finance Ltd has a debt-to-equity ratio of 0.91, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
TCI Finance Ltd has an Earnings Per Share (EPS) of ₹2.85, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹21.45 and P/E ratio of 6.77, investors are paying 6.77 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
TCI Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
TCI Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze TCI Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (6.77), ROE (0.00%), debt-to-equity (0.91), and growth rates. 2) Technical Analysis - Check 52-week range (₹10.00 - ₹38.46), moving averages, and chart patterns. 3) Valuation - Compare current price (₹21.45) with book value (₹29.09) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of TCI Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹21.45 is 115x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in TCI Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹10.00 - ₹38.46). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.91 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,92,982 shares. 5) Valuation Risk - P/E of 6.77 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
TCI Finance Ltd operates in the industry with key metrics: P/E ratio of 6.77, ROE of 0.00%, market cap of ₹24.87 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.91), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for TCI Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹21.45, with a 52-week range of ₹10.00 to ₹38.46. Based on fundamentals like P/E (6.77), ROE (0.00%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling TCI Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹21.45. 2) Fundamental Deterioration - Declining ROE (currently 0.00%), increasing debt (D/E: 0.91), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for TCI Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.