TCI Finance

: TCIFINANCE · Non Banking Financial Company (NBFC)

52W Range₹10 ₹38

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Snapshot

Unlock TCI Finance's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

TCI Finance Ltd is a non-systematically important, non-deposit taking non-banking financial company (NBFC) incorporated in 1973. The company primarily focuses on financing activities, including granting loans to related parties and investing in capital market securities.

Business Model

The company generates revenue through interest income from lending activities and capital appreciation or dividends from its investments in shares and securities.

Growth Outlook

Growth is contingent upon the performance of the company's investment portfolio and the credit requirements of its related parties.

Key Risks

  • Concentration Risk. The company's business model relies heavily on lending to related parties, which creates significant exposure to counterparty credit risk.
  • Market Volatility. As the company invests in capital markets, fluctuations in equity prices can adversely impact its financial position and profitability.
  • Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations for non-banking financial companies may necessitate adjustments to the company's operational structure or capital requirements.
  • Liquidity Risk. As a non-deposit taking NBFC, the company faces challenges in managing liquidity if its investments or loan assets cannot be liquidated in a timely manner.

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Key Metrics

NET PROFIT

₹-2 Cr

TTM · standalone

-150.0%YoY

EPS

₹-1.39

TTM · standalone

-150.0%YoY

RETURN ON EQUITY

2.4%

TTM · standalone

+7.8 ppYoY

P/E

-11.0x

Q4 FY26 · standalone

-11.0 vs 18.2x5Y avg

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
TCI FinanceTCIFINANCE
₹20 Cr-10.962.4%+15.4%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials