TCI Finance Limited (TCIFINANCE) AI Stock Analysis

• Market Cap: ₹443.71M
• Dividend Yield: N/A
• Average Volume (3M): 3.81K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.23
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: ₹30.00 ▲(0.44% Upside)

The score is held back primarily by weak financial fundamentals, especially negative equity and profitability instability, despite recent improvements in revenue and cash flow. Technicals show strong trend strength but are extremely overbought, raising pullback risk. Valuation is supportive with a moderate P/E, but insufficient to offset the balance-sheet risk.

Positive Factors

Revenue Growth

The substantial revenue growth indicates a strong recovery and potential market expansion, enhancing the company's ability to capture new business opportunities.

Cash Flow Improvements

Improved cash flow generation enhances the company's ability to reinvest in growth opportunities and manage financial obligations effectively.

Net Profit Margin Improvement

The shift to a positive net profit margin suggests improved operational efficiency and profitability, which can support sustainable growth.

Negative Factors

Financial Instability

Negative equity indicates financial distress, limiting the company's ability to raise capital and invest in growth, posing long-term risks.

High Leverage

High leverage increases financial risk and can constrain the company's flexibility to navigate economic downturns or invest in new opportunities.

Inconsistent Profitability

Inconsistent profitability undermines investor confidence and can hinder long-term strategic planning and investment in growth initiatives.

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 copyright services. TCI Finance Limited was incorporated in 1973 and is based in Hyderabad, India.

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	66.61M	67.30M	0.00	0.00	0.00	42.21M
Gross Profit	59.05M	67.30M	-9.86M	-18.57M	-17.19M	16.10M
EBITDA	34.81M	34.70M	-17.88M	-23.86M	-22.67M	7.91M
Net Income	31.75M	35.80M	-4.80M	-25.10M	-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: Positive
• Last Price: 29.87
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 24.68, above the 50-day MA of 16.68, and above the 200-day MA of 14.07, indicating a bullish trend. The MACD of 5.61 indicates Negative momentum. The RSI at 77.68 is Negative, neither overbought nor oversold. The STOCH value of 75.01 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

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	55 Neutral	₹197.25M	―	―	1.70%	-93.62%	-115.49%
TCIFINANCE	54 Neutral	₹443.71M	12.03	―	―	797.65%	―
VIJIFIN	49 Neutral	₹485.93M	294.55	―	―	39.46%	―
ONELIFECAP	48 Neutral	₹214.56M	-5.26	―	―	-62.38%	21.41%
GLFL	44 Neutral	₹227.59M	390.23	―	―	―	―
DCMFINSERV	40 Underperform	₹110.63M	-6.58	―	―	-70.89%	-142.26%

TCI Finance Limited Corporate Events

TCI Finance Says Share Price Surge Is Market-Driven, No Undisclosed Events

TCI Finance Limited has responded to queries from BSE and NSE regarding recent significant price movement in its shares, stating that there is no undisclosed or unannounced material information that would explain the volatility. The company emphasized that it has been fully compliant with SEBI’s Listing Obligations and Disclosure Requirements, disclosing all price-sensitive and operationally relevant events in a timely manner, and asserted that the sharp increase in its share price is purely market driven and attributable to prevailing market conditions.

Exchange Seeks Clarification From TCI Finance Limited After Sharp Stock Price Move

The stock of TCI Finance Limited has experienced significant price volatility, prompting the stock exchange to seek updated, relevant information from the company to protect investor interests. The exchange has formally written to TCI Finance Limited and is awaiting the company’s response, a step aimed at ensuring transparent disclosure and maintaining market confidence amid unusual trading activity.