TCI Finance
TCI Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for TCI Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
TCI Finance Ltd trades at a P/E of 6.77× and P/B of 17.89×, against the Financials sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
TCI Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for TCI Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
TCI Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹34.19 Cr and reported EPS of ₹2.85.
| Period | 2018 | 2019 |
|---|---|---|
| Revenue from Operations | 13 | 12 |
| Other Income | 0 | 2 |
| Total Income | 13 | 14 |
| Gross Profit | 13 | 12 |
| +Operating Expenses | 2 | 2 |
| EBITDA | 11 | 10 |
| +Non-Operating Expenses | 9 | 6 |
| Profit Before Tax (PBT) | 2 | 6 |
| +Tax Expense | 0 | 1 |
| Profit After Tax (PAT) | 2 | 5 |
| Earnings Per Share (EPS) | 1.31 | 3.84 |
| Diluted Shares Outstanding (Nos.) | 1 | 1 |
| +Additional Disclosures | 11 | 8 |
| Sales Growth % | — | -5.00 |
| YoY Sales Growth % | — | -5.00 |
| Employee Cost % | 7 | 7 |
| Other Cost % | 11 | 12 |
| OPM % | 82 | 81 |
| Tax % | 18 | 17 |
| Profit Growth % | — | 194.05 |
| Gross Margin % | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 |
| Additional Fields | 11 | 10 |
TCI Finance segment analysis: revenue and profit mix.
Disclosed business segments at TCI Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
TCI Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
TCI Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy TCI Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
TCI Finance Ltd's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
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.
Debt-to-equity ratio of 0.91 indicates a manageable financial leverage position.
Positive Return on Assets (23.21%) suggests efficient asset utilization.
Long history since 1973 establishes it as an experienced NBFC player.
What can break it.
Zero sales reported for multiple recent quarters indicates severe operational inactivity.
Consistently negative net profits and operating margins (-117.17%) highlight profitability challenges.
Low promoter holding (24.7%) and zero institutional interest raise governance concerns.
Zero dividend yield (0.00%) deters income-focused investors and impacts appeal.
Stock trading near 52-week low (10.51) with significant daily volatility.
What would change my mind.
Trim if P/E re-rates above 9 (~0.5× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.41. Balance sheet risk re-prices growth multiples fast.
TCI Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — TCI Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
TCI Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for TCI Finance Ltd — derived from the live tape, not yesterday's close.
TCI Finance Ltd last traded at ₹25.3 with an intraday range of ₹23.6–₹25.3 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹25.30| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 29.27 | +3.97 | +15.68% |
| R3 | 27.57 | +2.27 | +8.96% |
| R2 | 26.43 | +1.13 | +4.48% |
| R1 | 25.87 | +0.57 | +2.24% |
| PIVOT | 24.73 | -0.57 | -2.24% |
| CURRENT | 25.30 | — | — |
| S1 | 20.77 | -4.53 | -17.92% |
| S2 | 22.47 | -2.83 | -11.20% |
| S3 | 23.03 | -2.27 | -8.96% |
| S4 | 24.17 | -1.13 | -4.48% |
TCIFINANCE is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ~
Trading Above opening range, showing Bullishness
TCI Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for TCI Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in TCI Finance Ltd stood at 40.6% of traded volume, against a 20-day average of 71.3%.
TCI Finance announcements: results, concalls, ratings, M&A.
Filings TCI Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
TCI Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 30 documents below.
Price movement
Significant movement in price has been observed in Tci Finance Limited. The Exchange, in order to ensure that investors have latest relevant…
Copy of Newspaper Publication
Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication
Disclosure under SEBI Takeover Regulations
Jubilee Commercial & Trading Pvt. Ltd. has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange…
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Tci Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Trading Window
Tci Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
TCI Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue TCI Finance has declared, sequenced by announce and record date.
TCI Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About TCI Finance Ltd: business, sector, key facts.
What TCI Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
TCI Finance Ltd operates in the Financial Services industry under the Financials sector, listed as NSE: TCIFINANCE, BSE: 501242.
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.
Questions investors ask about TCI Finance Ltd (TCIFINANCE).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of TCI Finance Ltd (TCIFINANCE)?
The current share price of TCI Finance Ltd (TCIFINANCE) is ₹25.3. Today, the stock has gained by ₹2.30 (10.00%), trading in a range of ₹23.6 to ₹25.3. The stock opened at ₹24.33 with a trading volume of 4,09,730 shares.
02Is TCI Finance Ltd stock a good investment for long-term?
TCI Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹34.19 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.
03What is the 52-week high and low price of TCI Finance Ltd stock?
The 52-week high price of TCI Finance Ltd (TCIFINANCE) is ₹38.46, while the 52-week low is ₹10. Currently trading at ₹25.3, the stock is 53.8% away from its 52-week low and 34.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy TCI Finance Ltd stock at the current price?
Whether to buy TCI Finance Ltd stock at ₹25.3 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.77 and P/B ratio of 17.89. 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.
05What is the dividend yield of TCI Finance Ltd and when is the next dividend?
TCI Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹25.3, 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.
06What are the key financial ratios and metrics of TCI Finance Ltd?
TCI Finance Ltd's key financial metrics include: P/E Ratio: 6.77, P/B Ratio: 17.89, ROE: 0.00%, ROCE: 12.40%, Dividend Yield: 0.00%, EPS: ₹2.85, Book Value: ₹29.09, and Debt-to-Equity: 0.91. The company's market cap stands at ₹34.19 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is TCI Finance Ltd stock performing today in the market?
TCI Finance Ltd stock opened at ₹24.33 and is currently trading at ₹25.3, showing a gain of ₹2.30 (10.00%). The intraday high is ₹25.3 and low is ₹23.6. The trading volume stands at 4,09,730 shares, indicating moderate market participation today.
08What is the P/E ratio of TCI Finance Ltd and what does it indicate?
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.
The data, ratios and commentary about TCI Finance Ltd (TCIFINANCE) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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