TCFC Finance Ltd - Stock Valuation and Financial Performance

BSE: 532284 | NSE: | Finance - NBFC | Small Cap

TCFC Finance Share Price

62.02 -1.43 -2.25%
as on 19-Apr'24 10:58

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TCFC Finance stock performance -

mw4me loader
P/E Ratio (SA):
6.81
Market Cap:
63.1 Cr.
52-wk low:
27.4
52-wk high:
72.4

Is TCFC Finance Ltd an attractive stock to invest in?

1. Is TCFC Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that TCFC Finance Ltd is a below average quality company.

2. Is TCFC Finance Ltd undervalued or overvalued?

The key valuation ratios of TCFC Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is TCFC Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of TCFC Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of TCFC Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
TCFC Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)19111919686.769.561.211.77.31.914
YoY Gr. Rt. %--37.9%65.7%-55.9%-19.8%-91.4%-79.4%847.2%-37%-74.7%-
Adj EPS (₹ ) 4.95.23.3-6.83.73.70.19.15.90.69.3
YoY Gr. Rt. %-7.6%-37.4%-307%NA-0.8%-97.8%11275%-35.3%-90.3%-
BVPS (₹ )76.579.981.474.676.581.78089.193.592.9107.3
YoY Gr. Rt. %-4.4%1.8%-8.3%2.5%6.8%-2.1%11.4%5%-0.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)6.46.53.9-8.54.84.50.110.56.20.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-40.2%-51.5%14.8%-74.7%
Adj EPS-21.2%-31.2%92.4%-90.3%
BVPS2.2%4%5.1%-0.7%
Share Price 12.1% 15.7% 34.3% 111%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)2.74.61.7-8.25.664.27.181.984.132.367.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)6.56.74.1-8.74.94.60.110.86.50.68.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 9.30%

Total Income has increased 14.78 CAGR in last 3 years

Net Profit has increased 92.43 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - TCFC Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 9.3 -
TTM Sales (₹ Cr.) 13.8 -
BVPS (₹.) 107.3 -
Reserves (₹ Cr.) 97 -
P/BV 0.59 -
PE 6.81 -
From the Market
52 Week Low / High (₹) 27.40 / 72.40
All Time Low / High (₹) 2.50 / 82.15
Market Cap (₹ Cr.) 63.1
Equity (₹ Cr.) 10
Face Value (₹) 10
Industry PE 31.7

Management X-Ray of TCFC Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of TCFC Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income190.93118.52196.5286.7069.546.241.3912.149.122.15
Interest Income190.92118.52196.4386.6769.545.981.2311.657.341.86
Other Income 000.090.0300.260.160.491.780.29
Expenditure 184.72111.91192.4482.0364.551.191.811.091.241.21
Interest Expense 0.030.0100000000
Operating Expenses 184.66111.87192.2781.9064.421.041.010.870.990.95
Provisions 0.030.030.160.130.130.150.800.220.250.26
Exceptional Items 000-11000000
Profit Before Tax 6.206.624.08-6.334.995.05-0.4211.047.880.94
Taxes 1.121.150.650.761.111.21-0.511.501.700.34
Profit After Tax 5.085.473.43-7.093.883.840.099.546.180.60
Adjusted EPS (₹)4.95.23.3-6.83.73.70.19.15.90.6
Dividend Payout Ratio (%)31%29%46%0%41%41%0%16%20%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital80.2283.7885.3178.2180.2085.6883.8793.4198.0497.40
Share Capital 10.4810.4810.4810.4810.4810.4810.4810.4810.4810.48
Reserves 69.7473.2974.8367.7369.7275.2073.3882.9387.5686.92
Minority Interest0000000000
Long Term Borrowings0.060.080.050.080.081.561.192.624.312.90
Current Liabilities 2.102.212.280.432.260.470.360.460.371.58
Trade Payables0000000000
Short term borrowings0000000000
Other Liabilities0000000000
Total Liabilities 82.3986.0787.6378.7282.5587.7185.4196.50102.72101.88

Assets

Non Current Asset 21.9022.1122.1811.0911.389.949.9010.309.8519.32
Loan Asset 0000000000
Other Non Current Asset 21.9022.1122.1811.0911.389.949.9010.309.8519.32
Current Asset 60.4963.9665.4567.6471.1777.7875.5186.2092.8782.55
Current Investment2.21000000000
Other Current Asset58.2863.9665.4567.6471.1777.7875.5186.2092.8782.55
Total Assets 82.3986.0787.6378.7282.5587.7185.4196.50102.72101.88

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -8.31-1.980.020.100.050.810.71-1.140.38-0.10
Cash Flow From Investing Activity -2.222.040-0.01-0.021.041.231.171.151.29
Cash Flow From Financing Activity 00000-1.89-1.890-1.57-1.26
Net Cash Flow -10.530.060.020.090.02-0.050.050.03-0.04-0.07
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)553-7440961
DPS (₹)2220220210
BVPS (₹)77808175778280899493

Performance Ratios

ROA (%)6.46.53.9-8.54.84.50.110.56.20.6
ROE (%)6.56.74.1-8.74.94.60.110.86.50.6
ROCE (%)7.98.14.8-7.76.36.1-0.512.58.21.0

Valuation Parameters

Price/Book(x)0.30.40.40.50.40.40.20.30.40.3

TCFC Finance Ltd Stock News

TCFC Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of TCFC Finance on 19-Apr-2024 10:58 is ₹62.02.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 19-Apr-2024 10:58 the market cap of TCFC Finance stood at ₹63.13.
The latest P/E ratio of TCFC Finance as of 19-Apr-2024 10:58 is 6.81.
The latest P/B ratio of TCFC Finance as of 19-Apr-2024 10:58 is 0.59.
The 52-week high of TCFC Finance is ₹72.40 and the 52-week low is ₹27.40.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TCFC Finance is ₹13.79 ( Cr.) .

About TCFC Finance Ltd

TCFC Finance was incorporated in 1990. It is registered as a non banking finance company and is listed on the Bombay Stock Exchange.  The company also invests in mutual funds of all types so as to have a balance of its portfolio which would garner it high returns with adequate safety.    

Services offered by the company:

  • The company mainly deals in Automotive Consumer Finance and Leasing - Automotive Commercial Financing, it also deals in Equity, debt, mutual funds, real estate etc.
  • It is engaged in proprietary trading of securities in equity, both in the cash and future segments and also actively participates in Initial Public Offers of companies
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