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BSE: 501242 | NSE: TCIFINANCE | Finance - NBFC | Small Cap
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 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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 9.5 | 15.6 | 13.2 | 11.3 | 12.2 | 11.8 | 10.3 | 4.2 | 4.3 | 4.5 | 0 | |
| YoY Gr. Rt. % | - | 64.8% | -15% | -15% | 8.5% | -3.9% | -12.4% | -59.1% | 1% | 6.6% | - | |
| Adj EPS (₹ ) | 0.5 | 4.3 | 5.3 | 1.5 | 2.8 | 1.3 | 1.9 | -40.6 | -6 | -25.6 | -26.7 | |
| YoY Gr. Rt. % | - | 768% | 21.4% | -70.8% | 81.8% | -53.2% | 46.6% | -2216.7% | NA | NA | - | |
| BVPS (₹ ) | 20.5 | 24.9 | 30.1 | 31.7 | 34.5 | 35.8 | 28.1 | -34.5 | -24.2 | -37.3 | -39 | |
| YoY Gr. Rt. % | - | 21.2% | 21.2% | 5.1% | 8.8% | 3.8% | -21.4% | -222.7% | NA | NA | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.8 | 7.8 | 8.8 | 2 | 3.5 | 1.6 | 2 | -48.3 | -9.9 | -45 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | -7.9% | -18% | -23.9% | 6.6% | ||||||||
| Adj EPS | -254.9% | -255.7% | -337.2% | NA | ||||||||
| BVPS | -206.9% | -201.6% | -209.9% | NA | ||||||||
| Share Price | -17.8% | -32.4% | -13.1% | -45.6% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | 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 (%) | 6.8 | 35.9 | 51.2 | 17.6 | 29.5 | 14.4 | 24 | -1243.3 | -182.6 | -728.2 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 2.5 | 19.1 | 19.2 | 5 | 8.5 | 3.7 | 6 | 0 | 0 | 0 | 68.4 | |
Return on Equity has increased versus last 3 years average to 69.80%
Total Income has declined -50.00 CAGR in last 3 years
Net Profit has declined -337.16 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -26.7 | 3.8 |
| TTM Sales (₹ Cr.) | 0 | 12.4 |
| BVPS (₹.) ⓘ | -39 | 0 |
| Reserves (₹ Cr.) ⓘ | -63 | 37 |
| P/BV ⓘ | -0.08 | 0.00 |
| PE ⓘ | 0.00 | 0.78 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 3.50 / 8.94 |
| All Time Low / High (₹) | 1.75 / 129.40 |
| Market Cap (₹ Cr.) | 3.9 |
| Equity (₹ Cr.) | 12.9 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 22 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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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