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TCFC Finance Ltd (532284)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532284 NSE: Finance - NBFC | Small Cap | TCFC Finance Share Price

₹25.52 0.02 (0.08%)

As on 24-Jun'26 16:59

TCFC Finance Ltd (532284)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532284 NSE: Finance - NBFC | Small Cap | TCFC Finance Share Price

₹25.52 0.02 (0.08%)

As on 24-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹27 Cr.
Current Price
₹25.5
52-Week Low / High
₹22 / 54
TTM EPS
₹-1.7
Book Value per Share
₹102.3
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
28.1
Price to Book (P/B)
0.25
Lower than its 5-year historical median
EV/EBITDA
-8.40
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
-1.68%
Return on Capital Employed (ROCE)
-3.16%
Return on Assets (ROA)
-1.62%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
-168.4%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-1.65%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹-1.6 Cr.
Reserves
₹97 Cr.
Equity
₹10.5 Cr.
Face Value
₹10
All Time Low / High
₹2.50 / 96.99

TCFC Finance stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is TCFC Finance Ltd a good quality company?
TCFC Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does TCFC Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of TCFC Finance Ltd vs Industry Peers?
TCFC Finance Ltd AUM CAGR is 5.83%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of TCFC Finance Ltd?
Promoters hold 67.99% of the TCFC Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of TCFC Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -0.1% based on the current price.

10 Year X-Ray :

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'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)86.769.561.211.67.31.917.52.3-1.6-2
YoY Gr. Rt. %--19.8%-91.4%-79.4%846.1%-37%-74.6%838.2%-86.8%-168.3%-
Adj EPS (₹ ) -6.83.73.70.19.15.90.611.71.2-1.7-1.7
YoY Gr. Rt. %-NA-0.8%-97.8%11275%-35.3%-90.3%1957.9%-90.1%-249.1%-
BVPS (₹ )74.676.581.78089.193.592.9104.7104102.3102.3
YoY Gr. Rt. %-2.5%6.8%-2.1%11.4%5%-0.7%12.6%-0.6%-1.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-8.54.84.50.110.56.20.611.31.1-1.60

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-164.1%-167.1%-194.7%-168.3%
Adj EPSNA-171.8%-244.8%-249.1%
BVPS3.6%2.8%3.3%-1.7%
Share Price -1.6% -6% -6% -44.7%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
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 (%)-8.25.664.27.181.984.132.370.452.6115114.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-8.74.94.60.110.86.50.611.91.1-1.7-1.7

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 86.7069.546.241.3912.149.122.1517.612.84-1.53
Interest Income86.6769.545.981.2311.657.341.8617.472.31-1.58
Other Income 0.130.130.150.800.220.250.260.360.240.38
Exceptional Items 0.0300.260.160.491.780.290.140.520.05
Expenditure + 82.0364.551.191.811.091.241.211.491.451.90
Interest Expense 0000000000
Operating Expenses 81.9064.421.041.010.870.990.951.141.211.52
Provisions 0.130.130.150.800.220.250.260.360.240.38
Exceptional Items -11000000000
Profit Before Tax -6.334.995.05-0.4211.047.880.9416.111.39-3.42
Taxes 0.761.111.21-0.511.501.700.343.820.17-1.61
Profit After Tax -7.093.883.840.099.546.180.6012.291.22-1.82
Adjusted EPS (₹)-6.83.73.70.19.15.90.611.71.2-1.7
Dividend Payout Ratio (%)0%40.50%40.90%0%16.50%20.40%0%15.40%0%0%

Valuation of TCFC Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +78.2180.2085.6883.8793.4198.0497.40109.71109.02107.22
Share Capital 10.4810.4810.4810.4810.4810.4810.4810.4810.4810.48
Reserves 67.7369.7275.2073.3882.9387.5686.9299.2298.5496.74
Short term borrowings0000000000
Long Term Borrowings0.080.081.561.192.624.312.885.214.061.63
Current Liabilities 0.432.260.470.360.460.371.590.130.331.34
Trade Payables0000000000
Other Liabilities00-00000-000
Total Liabilities 78.7282.5587.7185.4196.50102.72101.88115.04113.41110.19

Assets

Non Current Asset +11.0911.389.949.9010.309.8519.3227.9524.6518.16
Loan Asset 0000000000
Other Non Current Asset 11.0911.389.949.9010.309.8519.3227.9524.6518.16
Current Asset +67.6471.1777.7875.5186.2092.8782.5587.1088.7792.03
Current Investment0000000000
Other Current Asset67.6471.1777.7875.5186.2092.8782.5587.1088.7792.03
Total Assets 78.7282.5587.7185.4196.50102.72101.88115.04113.41110.19

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity 0.100.050.810.71-1.140.38-0.10-2.280.11-1.60
Cash Flow From Investing Activity -0.01-0.021.041.231.171.151.292.421.661.95
Cash Flow From Financing Activity 00-1.89-1.890-1.57-1.260-1.890
Net Cash Flow 0.090.02-0.050.050.03-0.04-0.070.14-0.120.35

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios

EPS (₹)-6.803.703.700.109.105.900.6011.701.20-1.70
DPS (₹)01.501.5001.501.2001.8000
BVPS (₹)74.676.581.78089.193.592.9104.7104102.3

Performance Ratios

ROA (%)-8.54.84.50.110.56.20.611.31.1-1.6
ROE (%)-8.74.94.60.110.86.50.611.91.1-1.7
ROCE (%)-7.76.36.1-0.512.58.21.015.61.3-3.2

Valuation Parameters

Price/Book(x)0.50.40.40.20.30.40.30.60.50.2

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

TCFC Finance Ltd FAQs

The current trading price of TCFC Finance on 24-Jun-2026 16:59 is ₹25.52.

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 23-Jun-2026 the market cap of TCFC Finance stood at ₹26.75 Cr

The latest P/E ratio of TCFC Finance as of 23-Jun-2026 is 0.00.

The latest P/B ratio of TCFC Finance as of 23-Jun-2026 is 0.25.

The 52-week high of TCFC Finance is ₹54.00 and the 52-week low is ₹22.11.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TCFC Finance is ₹-1.58 ( Cr.) .

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

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

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.

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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