TCI Finance Ltd - Stock Valuation and Financial Performance

BSE: 501242 | NSE: TCIFINANCE | Finance - NBFC | Small Cap

TCI Finance Share Price

5.23 0.00 0.00%
as on 26-Mar'24 16:00

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TCI Finance stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
6.7 Cr.
52-wk low:
2.9
52-wk high:
6.2

Is TCI Finance Ltd an attractive stock to invest in?

1. Is TCI Finance Ltd a good quality company?

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

2. Is TCI Finance Ltd undervalued or overvalued?

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

3. Is TCI Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of TCI 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 TCI 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.
TCI 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.)15.613.211.312.211.810.34.24.34.501
YoY Gr. Rt. %--15%-15%8.5%-3.9%-12.4%-59.1%1%6.6%-100%-
Adj EPS (₹ ) 4.35.31.52.81.31.9-40.6-6-25.6-2-0.3
YoY Gr. Rt. %-21.4%-70.8%81.8%-53.2%46.6%-2216.7%NANANA-
BVPS (₹ )24.930.131.734.535.828.1-34.5-24.2-37.3-49.9-49.9
YoY Gr. Rt. %-21.2%5.1%8.8%3.8%-21.4%-222.7%NANANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)7.88.823.51.62-48.3-9.9-45-4.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-100%-100%-100%-100%
Adj EPS-191.5%-208.3%NANA
BVPS-208%-206.9%NANA
Share Price -11.3% -19% 1.5% 45.7%

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 (%)35.951.217.629.514.424-1243.3-182.6-728.20-59.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)19.119.258.53.7600000.6

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 0.60%

Total Income has declined 0.00 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - TCI Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -0.3 3.8
TTM Sales (₹ Cr.) 0.7 12.4
BVPS (₹.) -49.9 0
Reserves (₹ Cr.) -77 37
P/BV -0.10 0.00
PE 0.00 1.36
From the Market
52 Week Low / High (₹) 2.87 / 6.22
All Time Low / High (₹) 1.75 / 129.40
Market Cap (₹ Cr.) 6.7
Equity (₹ Cr.) 12.9
Face Value (₹) 10
Industry PE 31

Management X-Ray of TCI 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 TCI 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
Income17.5314.1011.4614.1011.7811.524.234.2550.860
Interest Income15.5713.2411.2612.2211.7510.294.214.254.530
Other Income 1.960.860.211.870.041.230.02046.330
Expenditure 10.515.929.179.839.728.0256.5312.0283.182.51
Interest Expense 7.894.948.048.568.606.073.922.241.531.53
Operating Expenses 0.830.811.031.111.031.141.231.140.720.82
Provisions 1.790.180.110.160.100.8251.388.6480.930.16
Exceptional Items 0000000000
Profit Before Tax 7.028.182.294.272.063.50-52.29-7.77-32.32-2.51
Taxes 1.431.400.310.660.371.030.0300.640
Profit After Tax 5.596.781.983.601.692.47-52.32-7.77-32.97-2.51
Adjusted EPS (₹)4.35.31.52.81.31.9-40.6-6.0-25.6-2.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

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

Equity and Liabilities

Equity Capital33.3240.1042.0845.6947.3737.52-43.08-29.86-46.75-62.85
Share Capital 14.2014.2014.2014.2014.2014.2014.2014.2014.2014.20
Reserves 19.1325.9027.8931.4933.1823.32-57.27-44.06-60.94-77.05
Minority Interest0000000000
Long Term Borrowings22.4521.6822.8722.6619.3633.0726.7025.5323.169.58
Current Liabilities 3.9233.1339.0136.0336.4972.7789.6387.7886.5299.43
Trade Payables0.040.030.100.290.490.430.420.410.490.58
Short term borrowings03037.5033.1832.234.734.402.902.903.52
Other Liabilities-0.04-30.03-37.60-33.47-32.72-5.16-4.82-3.31-3.39-4.09
Total Liabilities 59.6994.92103.96104.37103.22143.3573.2583.4562.9446.16

Assets

Non Current Asset 52.6150.3353.3753.5753.94107.1429.6150.2144.0927.33
Loan Asset 0000000000
Other Non Current Asset 52.6150.3353.3753.5753.94107.1429.6150.2144.0927.33
Current Asset 7.0844.5950.5950.8049.2936.2143.6433.2318.8518.83
Current Investment0000000000
Other Current Asset7.0844.5950.5950.8049.2936.2143.6433.2318.8518.83
Total Assets 59.6994.92103.96104.37103.22143.3573.2583.4562.9446.16

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 38.18-28.04-12.643.163.2514.41-22.871.69-22.609.80
Cash Flow From Investing Activity -8.944.261.511.930.883.1925.430.3825.151.50
Cash Flow From Financing Activity -29.0227.886.89-4.99-4.14-17.71-2.52-2.14-2.53-11.33
Net Cash Flow 0.214.11-4.240.10-0.02-0.110.04-0.070.02-0.02
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)452312-41-6-26-2
DPS (₹)0000000000
BVPS (₹)253032343628-34-24-37-50

Performance Ratios

ROA (%)7.88.82.03.51.62.0-48.3-9.9-45.0-4.6
ROE (%)19.119.25.08.53.76.00.00.00.00.0
ROCE (%)21.517.510.712.810.811.3-172.00.00.00.0

Valuation Parameters

Price/Book(x)0.71.10.60.70.70.5-0.2-0.2-0.2-0.1

TCI Finance Ltd Stock News

TCI Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of TCI Finance on 26-Mar-2024 16:00 is ₹5.23.
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 26-Mar-2024 16:00 the market cap of TCI Finance stood at ₹6.73.
The latest P/E ratio of TCI Finance as of 26-Mar-2024 16:00 is 0.00.
The latest P/B ratio of TCI Finance as of 26-Mar-2024 16:00 is -0.10.
The 52-week high of TCI Finance is ₹6.22 and the 52-week low is ₹2.87.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TCI Finance is ₹0.65 ( Cr.) .

About TCI Finance Ltd

TCI Finance was incorporated on November 29, 1973, as a public limited company in the name and style of 'Bhoruka Finance' at Bombay. The name of the company was changed to TCI Finance with effect from November 20, 1992. The Registrar of Companies, Maharashtra, has issued a fresh certificate of incorporation consequent upon the name change on 20th November, 1992.

The registered office of the company is located at 1-7-293, MG Road, Secunderabad, Andhra Pradesh-500003.

Business area of the company:

The company’s principal activity is to provide non-banking financial services. Its products include hire purchase, leasing and inter corporate loans.

Subsidiary of the company:

ITAG Business Solutions

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