Is TCI Finance Ltd (TCIFINANCE) 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 .

Is TCI Finance Ltd (TCIFINANCE) 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 Fair zone .

What is TCI Finance Ltd (TCIFINANCE) share price return in the past 10 years?

TCI Finance Ltd share price has declined -3.2% annually (CAGR) over the past ten years.

Is TCI Finance Ltd (TCIFINANCE) 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.

What is the share price of TCI Finance Ltd (TCIFINANCE)?

Company share prices are keep on changing according to the market conditions. The current trading price of TCI Finance Ltd (TCIFINANCE) on 17-Apr-2026 16:59:59 at 16:59 is 15.03.

What is the P/E ratio of TCI Finance?

The latest standalone P/E ratio of TCI Finance as of 17-Apr-2026 is 7.26.

What is the P/B ratio of TCI Finance Ltd (TCIFINANCE)?

The latest standalone P/B ratio of TCI Finance Ltd (TCIFINANCE) as of 17-Apr-2026 is -0.24.

What is the 52-week high and low of TCI Finance Ltd (TCIFINANCE)?

The 52-week high of TCI Finance Ltd (TCIFINANCE) is Rs. 38.09 and the 52-week low is Rs. 10.30.

TCI Finance Ltd (TCIFINANCE) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: TCI Finance Ltd (TCIFINANCE)
Brand: TCI Finance

TCI Finance Ltd (TCIFINANCE) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

TCI Finance Ltd (TCIFINANCE)

BSE: 501242 NSE: TCIFINANCE

Key Metrics

Market Cap

₹19 Cr.

Earnings Per Share (TTM)

₹2.05

P/E Ratio

7.26

Price to Book (P/B)

-0.24

EV/EBITDA

5.52

Current Price

₹15

Return on Capital Employed (ROCE)

0.00%

Return on Equity (ROE)

0.00%

Return on Assets (ROA)

20.47%

Gross NPA(%)

0.00

Book Value per Share

₹-60.9

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

-100%

Net Interest Income Growth (3 Years)

-100%

52-Week Low / High

₹10 / 38

Book Value Growth (1 Year)

NA%

Book Value Growth (3 Years)

NA%

DeciZen - make an informed investing decision on TCI Finance

Based on:

Data

M-Cap below 100cr DeciZen not available

TCI Finance stock performance

Key Ratios

Is TCI Finance Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	11.3	12.2	11.8	10.3	4.2	4.3	4.5	0	0.7	0	0
YoY Gr. Rt. %	-	8.5%	-3.9%	-12.4%	-59.1%	1%	6.6%	-100%	NA	-100%	-
Adj EPS (₹ )	1.5	2.8	1.3	1.9	-40.6	-6	-25.6	-2	-0.4	2.8	2.1
YoY Gr. Rt. %	-	81.8%	-53.2%	46.6%	-2216.7%	NA	NA	NA	NA	NA	-
BVPS (₹ )	31.7	34.5	35.8	28.1	-34.5	-24.2	-37.3	-49.9	-50.3	-59.4	-60.9
YoY Gr. Rt. %	-	8.8%	3.8%	-21.4%	-222.7%	NA	NA	NA	NA	NA	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2	3.5	1.6	2	-48.3	-9.9	-45	-4.6	-1.3	20.5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-100%	-100%	-100%	-100%
Adj EPS	6.8%	NA	NA	NA
BVPS	-207.3%	NA	NA	NA
Share Price	-3.2%	21.8%	59.9%	23.8%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	17.6	29.5	14.4	24	-1243.3	-182.6	-728.2	0	-73.7	0	INF
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	5	8.5	3.7	6	0	0	0	0	0	0	-3.4

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	2.1	3.8
TTM Sales (₹ Cr.)	0	12.4
BVPS (₹) ⓘ	-60.9	0
Reserves (₹ Cr.) ⓘ	-91	37
P/BV ⓘ	-0.24	0.00
PE ⓘ	7.26	3.88

From the Market
52 Week Low / High (₹)	10.30 / 38.09
All Time Low / High (₹)	1.75 / 129.40
Market Cap (₹ Cr.)	19.2
Equity (₹ Cr.)	12.9
Face Value (₹)	10
Industry PE ⓘ	29.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of TCI Finance - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	11.46	14.10	11.78	11.52	4.23	4.25	50.86	0	1.35	6.73
Interest Income	11.26	12.22	11.75	10.29	4.21	4.25	4.53	0	0.65	0
Other Income ⓘ	0.11	0.16	0.10	0.82	51.38	8.64	80.93	0.16	0.10	1.97
Exceptional Items ⓘ	0.21	1.87	0.04	1.23	0.02	0	46.33	0	0.70	6.73
Expenditure ⓘ +	9.17	9.83	9.72	8.02	56.53	12.02	83.18	2.51	1.79	3.27
Interest Expense ⓘ	8.04	8.56	8.60	6.07	3.92	2.24	1.53	1.53	0.52	0
Operating Expenses ⓘ	1.03	1.11	1.03	1.14	1.23	1.14	0.72	0.82	1.16	1.29
Provisions	0.11	0.16	0.10	0.82	51.38	8.64	80.93	0.16	0.10	1.97
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	-0.05	0.12
Profit Before Tax ⓘ	2.29	4.27	2.06	3.50	-52.29	-7.77	-32.32	-2.51	-0.48	3.58
Taxes ⓘ	0.31	0.66	0.37	1.03	0.03	0	0.64	0	0	0
Profit After Tax	1.98	3.60	1.69	2.47	-52.32	-7.77	-32.97	-2.51	-0.48	3.58
Adjusted EPS (₹)	1.5	2.8	1.3	1.9	-40.6	-6.0	-25.6	-2.0	-0.4	2.8
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	42.08	45.69	47.37	37.52	-43.08	-29.86	-46.75	-62.85	-63.36	-75.18
Share Capital ⓘ	14.20	14.20	14.20	14.20	14.20	14.20	14.20	14.20	14.20	14.20
Reserves ⓘ	27.89	31.49	33.18	23.32	-57.27	-44.06	-60.94	-77.05	-77.56	-89.37
Short term borrowings	37.50	33.18	32.23	4.73	4.40	2.90	2.90	3.52	0	0
Long Term Borrowings	22.87	22.66	19.36	33.07	26.70	25.53	23.16	9.58	87.56	80.13
Current Liabilities	39.01	36.03	36.49	72.77	89.63	87.78	86.52	99.43	3.35	2.48
Trade Payables	0.10	0.29	0.49	0.43	0.42	0.41	0.49	0.58	0.03	0.02
Other Liabilities	-37.60	-33.47	-32.72	-5.16	-4.82	-3.31	-3.39	-4.09	-0.03	-0.02
Total Liabilities ⓘ	103.96	104.37	103.22	143.35	73.25	83.45	62.94	46.16	27.55	7.44
Assets
Non Current Asset +	53.37	53.57	53.94	107.14	29.61	50.21	44.09	27.33	25.10	6.56
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	53.37	53.57	53.94	107.14	29.61	50.21	44.09	27.33	25.10	6.56
Current Asset +	50.59	50.80	49.29	36.21	43.64	33.23	18.85	18.83	2.46	0.88
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	50.59	50.80	49.29	36.21	43.64	33.23	18.85	18.83	2.46	0.88
Total Assets ⓘ	103.96	104.37	103.22	143.35	73.25	83.45	62.94	46.16	27.55	7.44

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-12.64	3.16	3.25	14.41	-22.87	1.69	-22.60	9.80	3.73	4.26
Cash Flow From Investing Activity ⓘ	1.51	1.93	0.88	3.19	25.43	0.38	25.15	1.50	2.23	-0.03
Cash Flow From Financing Activity ⓘ	6.89	-4.99	-4.14	-17.71	-2.52	-2.14	-2.53	-11.33	-4.07	-5.83
Net Cash Flow ⓘ	-4.24	0.10	-0.02	-0.11	0.04	-0.07	0.02	-0.02	1.90	-1.60

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	2	3	1	2	-41	-6	-26	-2	-0	3
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	32	34	36	28	-34	-24	-37	-50	-50	-59
Performance Ratios
ROA (%)	2.0	3.5	1.6	2.0	-48.3	-9.9	-45.0	-4.6	-1.3	20.5
ROE (%)	5.0	8.5	3.7	6.0	0.0	0.0	0.0	0.0	0.0	0.0
ROCE (%)	10.7	12.8	10.8	11.3	-172.0	0.0	0.0	0.0	0.0	0.0
Valuation Parameters
Price/Book(x)	0.6	0.7	0.7	0.5	-0.2	-0.2	-0.2	-0.1	-0.1	-0.2

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Announcements

TCI Finance Ltd FAQs

The current trading price of TCI Finance on 17-Apr-2026 16:59 is ₹15.03.

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 16-Apr-2026 the market cap of TCI Finance stood at ₹19.18 Cr

The latest P/E ratio of TCI Finance as of 16-Apr-2026 is 7.26.

The latest P/B ratio of TCI Finance as of 16-Apr-2026 is -0.24.

The 52-week high of TCI Finance is ₹38.09 and the 52-week low is ₹10.30.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TCI Finance is ₹0.00 ( 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 companyâ€™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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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
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Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
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TCI Finance Ltd (TCIFINANCE) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

TCI Finance Share Price