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TCI Finance Ltd logo

TCI Finance Ltd

NSE: TCIFINANCE BSE: 501242

₹14.83

(4.95%)

Sat, 21 Mar 2026, 00:03 pm

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TCI Finance Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate TCI Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate TCI Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • TCI Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • TCI Finance is profitable, therefore cash runway is not a concern.
    • TCI Finance is profitable, therefore cash runway is not a concern.
    • Debt is well covered by operating cash flow (48.1%, greater than 20% of total debt).
    • Debt is covered by short term assets, assets are 1.2x debt.
    • TCI Finance's cash and other short term assets cover its long term commitments.
    • The level of debt compared to net worth has been reduced over the past 5 years (74.5% vs 60.6% today).
    • Low level of unsold assets.
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    Cons

    • TCI Finance's level of debt (60.6%) compared to net worth is high (greater than 40%).

    management

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    Pros

    • Ramesh's remuneration is about average for companies of similar size in India.
    • Ramesh's compensation has been consistent with company performance over the past year, both up more than 20%.
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    Cons

    • The average tenure for the TCI Finance board of directors is less than 3 years, this suggests a new board.

    misc

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    Pros

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      Cons

      • TCI Finance is not covered by any analysts.
      • TCI Finance's last earnings update was 330 days ago.

      past

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      Pros

      • TCI Finance used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
      • TCI Finance's earnings growth has exceeded the IN Diversified Financial industry average in the past year (195.2% vs 13.5%).
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      Cons

      • TCI Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

      • TCI Finance is good value based on assets compared to the IN Diversified Financial industry average.
      • TCI Finance is good value based on earnings compared to the IN Diversified Financial industry average.
      • TCI Finance is good value based on earnings compared to the India market.
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      Cons

      • TCIFINANCE underperformed the Diversified Financial industry which returned -37.3% over the past year.
      • TCIFINANCE underperformed the Market in India which returned -14.5% over the past year.
      • NSEI:TCIFINANCE is down -5.4% underperforming the Diversified Financial industry which returned 10.8% over the past month.
      • NSEI:TCIFINANCE is down -5.4% underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800