TCI Finance Limited (TCIFINANCE) AI Stock Analysis

• Market Cap: ₹158.46M
• Dividend Yield: N/A
• Average Volume (3M): 3.03K
• Price to Earnings (P/E): 4.3
• Beta (1Y): 0.55
• Revenue Growth: 479.93%
• EPS Growth: N/A
• Country: IN
• Employees: 4
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.32
• Shares Outstanding: 12,872,493
• 10 Day Avg. Volume: 4,643
• 30 Day Avg. Volume: 3,027
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹13.50
• Price Target Upside: 9.67% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 52 Neutral
• Price Target: ₹13.50 ▲(9.67% Upside)

The overall stock score of 52 reflects significant financial instability and weak technical indicators, partially offset by a low P/E ratio suggesting potential undervaluation. The company's financial volatility and high leverage are major concerns, overshadowing positive valuation aspects.

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 shows significant financial volatility. Despite recent revenue and cash flow improvements, negative equity and inconsistent profitability pose substantial risks. The financial instability and high leverage overshadow 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 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	67.29M	67.30M	1.34M	-1.09M	46.16M	42.21M
Gross Profit	67.30M	67.30M	1.34M	-19.99M	28.97M	16.10M
EBITDA	34.70M	34.70M	-450.00K	-9.65M	278.89M	7.95M
Net Income	30.92M	35.80M	-4.80M	-25.00M	-329.66M	-77.67M
Balance Sheet
Total Assets	74.40M	74.40M	275.52M	461.60M	629.42M	834.46M
Cash, Cash Equivalents and Short-Term Investments	8.20M	8.20M	24.13M	500.00K	698.00K	468.00K
Total Debt	15.90M	15.90M	74.21M	114.90M	228.19M	253.48M
Total Liabilities	826.20M	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: 12.31
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 12.31 is below the 20-day moving average (MA) of 12.94, below the 50-day MA of 13.50, and below the 200-day MA of 13.94, indicating a bearish trend. The MACD of -0.25 indicates Positive momentum. The RSI at 33.68 is Neutral, neither overbought nor oversold. The STOCH value of 23.10 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
TCIFINANCE	52 Neutral	₹158.46M	4.31	―	―	479.93%	―
ONELIFECAP	46 Neutral	₹179.56M	-2.88	-14.83%	―	-43.42%	-538.40%
VIJIFIN	43 Neutral	₹414.68M	29,100.00	0.79%	―	51.61%	―
DCMFINSERV	42 Neutral	₹125.01M	-9.07	2.37%	―	-50.53%	-41.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%