TCI Finance Limited (TCIFINANCE) AI Stock Analysis

• Market Cap: ₹156.14M
• Dividend Yield: N/A
• Average Volume (3M): 3.81K
• Price to Earnings (P/E): 4.5
• Beta (1Y): 0.50
• Revenue Growth: 797.65%
• EPS Growth: N/A
• Country: IN
• Employees: 4
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.29
• Shares Outstanding: 12,872,493
• 10 Day Avg. Volume: 4,748
• 30 Day Avg. Volume: 3,810
• PEG Ratio: >-0.01
• Price to Book (P/B): -0.20
• Price to Sales (P/S): 2.29
• P/FCF Ratio: 3.63
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: ₹12.00 ▲(0.17% Upside)

The overall stock score of 49 reflects significant financial instability and high leverage, which are major concerns despite recent revenue and cash flow improvements. The technical analysis indicates a bearish trend, while the valuation suggests the stock may be undervalued. The absence of earnings call data and corporate events limits additional insights.

TCI Finance Limited Business Overview & Revenue Model

Company Description

TCI Finance Limited (TCIFINANCE) is a financial services company specializing in providing a range of financial products and services, including personal and business loans, asset management, and investment advisory services. Operating primarily in the financial sector, TCIFINANCE focuses on delivering tailored financial solutions to meet the needs of individuals and corporations. The company emphasizes technological innovation and customer-centric approaches to enhance its service delivery and maintain a competitive edge in the marketplace.

How the Company Makes Money

TCI Finance Limited generates revenue through multiple channels. Its primary revenue stream comes from interest income on loans provided to customers, including personal loans, business loans, and credit facilities. Additionally, the company earns fees from financial advisory services, asset management, and investment products offered to clients. TCIFINANCE may also engage in strategic partnerships with other financial institutions to broaden its product offerings, which can contribute to additional revenue through referral fees or profit-sharing agreements. Furthermore, the company might benefit from investment income generated from its own portfolio of financial assets, which can provide a substantial source of earnings over time.

TCI Finance Limited Financial Statement Overview

Summary

TCI Finance Limited exhibits significant financial volatility across its statements. While recent revenue and cash flow improvements are promising, the company's negative equity and inconsistent profitability pose substantial risks. The financial instability and high leverage are major concerns, overshadowing the positive growth trends.

Income Statement

The income statement shows significant volatility with a dramatic revenue growth rate of 8813.91% in the latest year, indicating a recovery from previous negative revenue. However, the net profit margin is inconsistent, with a recent positive shift to 53.19% from negative margins in prior years. The EBIT and EBITDA margins are not provided, suggesting potential operational inefficiencies. Overall, while revenue growth is a positive sign, the historical instability and lack of consistent profitability are concerning.

Balance Sheet

The balance sheet reveals a negative stockholders' equity, indicating financial distress. The debt-to-equity ratio is negative, reflecting more liabilities than equity, which is risky. Return on equity is also negative, further highlighting the company's inability to generate profits from its equity base. The equity ratio is not provided, but the overall leverage and negative equity position suggest significant financial instability.

Cash Flow

The cash flow statement shows a positive free cash flow growth rate, indicating improved cash generation capabilities. The operating cash flow to net income ratio is not consistently positive, suggesting fluctuations in cash flow relative to earnings. The free cash flow to net income ratio is close to 1, indicating that most of the net income is being converted into free cash flow. Despite these improvements, the historical volatility in cash flows remains a concern.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	67.01M	67.30M	1.34M	-15.29M	46.16M	42.21M
Gross Profit	60.26M	67.30M	1.34M	-19.99M	28.97M	16.10M
EBITDA	34.81M	34.70M	884.00K	-9.65M	-307.72M	-54.99M
Net Income	36.75M	35.80M	-4.80M	-25.00M	-329.66M	-77.67M
Balance Sheet
Total Assets	0.00	74.40M	275.52M	461.60M	629.42M	834.46M
Cash, Cash Equivalents and Short-Term Investments	0.00	8.20M	24.13M	478.00K	698.00K	468.00K
Total Debt	0.00	15.90M	74.21M	114.90M	228.19M	253.48M
Total Liabilities	751.80M	826.20M	909.12M	1.09B	1.10B	1.13B
Stockholders Equity	-751.80M	-751.80M	-633.60M	-628.50M	-467.46M	-298.62M
Cash Flow
Free Cash Flow	0.00	42.35M	37.35M	98.00M	-226.04M	16.80M
Operating Cash Flow	0.00	42.61M	37.35M	98.00M	-226.01M	16.94M
Investing Cash Flow	0.00	-254.00K	22.35M	15.00M	251.54M	3.77M
Financing Cash Flow	0.00	-58.32M	-40.69M	-113.30M	-25.29M	-21.40M

TCI Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.98
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TCIFINANCE, the sentiment is Negative. The current price of 11.98 is below the 20-day moving average (MA) of 11.99, below the 50-day MA of 12.47, and below the 200-day MA of 13.29, indicating a bearish trend. The MACD of -0.13 indicates Negative momentum. The RSI at 47.25 is Neutral, neither overbought nor oversold. The STOCH value of 54.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TCIFINANCE.

TCI Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LFIC	62 Neutral	―	―	―	1.49%	-73.96%	-79.57%
TCIFINANCE	49 Neutral	₹156.14M	4.46	―	―	797.65%	―
ONELIFECAP	47 Neutral	₹225.12M	-5.21	―	―	-62.38%	15.35%
VIJIFIN	41 Neutral	₹421.80M	222.56	―	―	39.46%	―
DCMFINSERV	40 Neutral	₹120.36M	-8.73	―	―	-50.53%	-41.40%

TCI Finance Limited Corporate Events

TCI Finance Limited Concludes 51st AGM Successfully

TCI Finance Limited held its 51st Annual General Meeting (AGM) on August 28, 2025, via video conferencing, where the business outlined in the meeting notice was successfully conducted. The meeting was attended by key directors and auditors, with 36 members present, ensuring the necessary quorum was met. The company will announce the voting results separately to the stock exchanges.

TCI Finance Limited Reports Q2 Financial Results and Appoints New CFO

TCI Finance Limited announced the approval of its un-audited standalone financial results for the quarter ending June 30, 2025, as per the SEBI regulations. Additionally, the company appointed Ms. D N V Sai Anusha as the new Chief Financial Officer, effective August 6, 2025. These developments are expected to influence the company’s financial management and strategic direction.