TCI Finance Limited (IN:TCIFINANCE)
:TCIFINANCE
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TCI Finance Limited
(TCIFINANCE)
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Rating:41Neutral
Price Target:
₹14.50
▼(-51.46% Downside)
Action:ReiteratedDate:03/14/26
The score is held down mainly by financial risk—especially negative equity and weak balance-sheet quality—alongside bearish technicals with the stock trading below key moving averages. Recent profitability and free-cash-flow improvement provide some support, but valuation signals are limited due to a negative P/E and missing dividend yield.
Positive Factors
Revenue Recovery & Growth
A very large revenue rebound indicates the company has regained core business traction and can scale operations. Over the next 2-6 months a recovering top line provides a firmer base to rebuild underwriting capacity, improve unit economics, and fund operating investments without relying solely on external capital.
Negative Factors
Negative Shareholders' Equity
Negative equity is a structural solvency concern for a credit services firm: it constrains regulatory capital, limits access to wholesale funding, and can force restructuring or asset sales. Over months this undermines counterparty confidence and the ability to scale lending activities.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Recovery & Growth
A very large revenue rebound indicates the company has regained core business traction and can scale operations. Over the next 2-6 months a recovering top line provides a firmer base to rebuild underwriting capacity, improve unit economics, and fund operating investments without relying solely on external capital.
Read all positive factors
TCI Finance Limited (TCIFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹189.61M
Dividend YieldN/A
Average Volume (3M)3.81K
Price to Earnings (P/E)―
Beta (1Y)0.71
Revenue Growth797.65%
EPS GrowthN/A
CountryIN
Employees4
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.85
Shares Outstanding12,872,493
10 Day Avg. Volume4,748
30 Day Avg. Volume3,810
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)-0.20
Price to Sales (P/S)2.29
P/FCF Ratio3.63
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
TCI Finance Limited Business Overview & Revenue Model
Company Description
TCI Finance Limited operates as a non-banking finance company in India. The company offers loans against securities, commercial vehicle finance, global IP convention, IP valuation, and other financial services, as well as patents, trademark, and c...
TCI Finance Limited Financial Statement Overview
Summary
Income Statement
30
Negative
Balance Sheet
20
Very Negative
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.62M | 67.30M | 0.00 | 0.00 | 0.00 | 42.21M |
| Gross Profit | 60.35M | 67.30M | -9.86M | -18.57M | -17.19M | 16.10M |
| EBITDA | 39.61M | 34.70M | -17.88M | -23.86M | -22.67M | 7.91M |
| Net Income | 35.05M | 35.80M | -4.80M | -25.10M | -329.66M | -77.67M |
Balance Sheet | ||||||
| Total Assets | 78.82M | 74.40M | 275.52M | 461.60M | 629.42M | 834.46M |
| Cash, Cash Equivalents and Short-Term Investments | 1.51M | 8.20M | 24.13M | 478.00K | 698.00K | 468.00K |
| Total Debt | 15.89M | 15.90M | 74.21M | 114.90M | 228.19M | 253.48M |
| Total Liabilities | 828.64M | 826.20M | 909.12M | 1.09B | 1.10B | 1.13B |
| Stockholders Equity | -749.82M | -751.80M | -633.60M | -628.50M | -467.46M | -298.62M |
Cash Flow | ||||||
| Free Cash Flow | -6.66M | 42.35M | 37.35M | 98.00M | -226.04M | 16.80M |
| Operating Cash Flow | -6.66M | 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 | 1.00K | -58.32M | -40.69M | -113.30M | -25.29M | -21.40M |
TCI Finance Limited Technical Analysis
Positive
29.87
Price Trends
15.13
Negative
17.05
Negative
15.25
Negative
Market Momentum
-0.30
Negative
52.44
Neutral
71.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TCIFINANCE, the sentiment is Positive. The current price of 29.87 is above the 20-day moving average (MA) of 13.83, above the 50-day MA of 15.13, and above the 200-day MA of 15.25, indicating a neutral trend. The MACD of -0.30 indicates Negative momentum. The RSI at 52.44 is Neutral, neither overbought nor oversold. The STOCH value of 71.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:TCIFINANCE.
TCI Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | ₹197.25M | 9.57 | ― | 1.70% | -93.62% | -115.49% | |
50 Neutral | ₹456.00M | 9.83 | ― | ― | 39.46% | ― | |
48 Neutral | ₹560.77M | -3.17 | ― | ― | -62.38% | 21.41% | |
43 Neutral | ₹127.22M | -11.08 | ― | ― | -70.89% | -142.26% | |
41 Neutral | ₹189.61M | -8.05 | ― | ― | 797.65% | ― | |
41 Neutral | ₹143.22M | 138.56 | ― | ― | ― | ― |
* Financial Sector Average
IN:TCIFINANCE
TCI Finance Limited
14.73
2.37
19.17%
IN:DCMFINSERV
DCM Financial Services Limited
5.75
0.00
0.00%
IN:GLFL
Gujarat Lease Financing Limited
5.28
-1.44
-21.43%
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
IN:ONELIFECAP
Onelife Capital Advisors Limited
15.01
4.45
42.07%
IN:VIJIFIN
Viji Finance Ltd.
3.20
0.89
38.53%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.