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TCI Finance Limited (IN:TCIFINANCE)
:TCIFINANCE
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TCI Finance Limited (TCIFINANCE) AI Stock Analysis

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IN:TCIFINANCE

TCI Finance Limited

(TCIFINANCE)

Rating:52Neutral
Price Target:
₹13.50
▲(0.97% 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 (TCIFINANCE) vs. iShares MSCI India ETF (INDA)

TCI Finance Limited Business Overview & Revenue Model

Company DescriptionTCI 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 MoneyTCI 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
30
Negative
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
20
Very Negative
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
40
Negative
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.
BreakdownTTMDec 2025Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue67.29M67.30M1.34M-1.09M46.16M42.21M
Gross Profit67.30M67.30M1.34M-19.99M28.97M16.10M
EBITDA34.70M34.70M-450.00K-9.65M278.89M7.95M
Net Income30.92M35.80M-4.80M-25.00M-329.66M-77.67M
Balance Sheet
Total Assets74.40M74.40M275.52M461.60M629.42M834.46M
Cash, Cash Equivalents and Short-Term Investments8.20M8.20M24.13M500.00K698.00K468.00K
Total Debt15.90M15.90M74.21M114.90M228.19M253.48M
Total Liabilities826.20M826.20M909.12M1.09B1.10B1.13B
Stockholders Equity-751.80M-751.80M-633.60M-628.50M-467.46M-298.62M
Cash Flow
Free Cash Flow0.0042.35M37.35M98.00M-226.04M16.80M
Operating Cash Flow0.0042.61M37.35M98.00M-226.01M16.94M
Investing Cash Flow0.00-254.00K22.35M15.00M251.54M3.77M
Financing Cash Flow0.00-58.32M-40.69M-113.30M-25.29M-21.40M

TCI Finance Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price13.37
Price Trends
50DMA
14.27
Negative
100DMA
13.63
Negative
200DMA
14.00
Negative
Market Momentum
MACD
-0.24
Negative
RSI
44.49
Neutral
STOCH
57.78
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 13.37 is below the 20-day moving average (MA) of 13.43, below the 50-day MA of 14.27, and below the 200-day MA of 14.00, indicating a bearish trend. The MACD of -0.24 indicates Negative momentum. The RSI at 44.49 is Neutral, neither overbought nor oversold. The STOCH value of 57.78 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
54
Neutral
₹493.05M34,600.00
51.61%
52
Neutral
₹170.95M4.68
479.93%
46
Neutral
₹159.52M
-43.42%-508.49%
43
Neutral
₹133.19M
-50.53%-41.83%
₹160.04M262.11
₹197.25M
1.24%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:TCIFINANCE
TCI Finance Limited
13.37
2.08
18.42%
IN:DCMFINSERV
DCM Financial Services Limited
6.00
-4.54
-43.07%
IN:GLFL
Gujarat Lease Financing Limited
5.95
-2.17
-26.72%
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
IN:ONELIFECAP
Onelife Capital Advisors Limited
12.53
-5.97
-32.27%
IN:VIJIFIN
Viji Finance Ltd.
3.46
0.61
21.40%
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.Date of analysis: Aug 30, 2025