Tourism Finance Corporation of India Limited (IN:TFCILTD)
:TFCILTD
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Tourism Finance Corporation of India Limited
(TFCILTD)
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Rating:68Neutral
Price Target:
₹83.00
▲(27.05% Upside)
Action:Reiterated
Date:05/16/26
The score is driven mainly by solid financial performance with strong profitability and improved leverage, offset by uneven cash-flow reliability. Technicals add support via a positive trend and MACD, while valuation is only moderate given the ~23.7 P/E and low dividend yield.
Positive Factors
High Net Margins
Consistently high net margins across FY2023–FY2025 indicate durable earning power from lending and fee income. Sustained margins support internal capital formation, buffer against credit shocks, and enable reinvestment into the loan book without immediate external capital needs.
Negative Factors
Volatile Cash Generation
Large swings between negative and positive operating/free cash flows undermine predictability of internal funding. This volatility raises refinancing risk, complicates dividend and lending plans, and forces greater reliance on external funding or capital raises during weaker cash periods.
Read all positive and negative factors
Positive Factors
Negative Factors
High Net Margins
Consistently high net margins across FY2023–FY2025 indicate durable earning power from lending and fee income. Sustained margins support internal capital formation, buffer against credit shocks, and enable reinvestment into the loan book without immediate external capital needs.
Read all positive factors
Tourism Finance Corporation of India Limited (TFCILTD) vs. iShares MSCI India ETF (INDA)
Market Cap
₹34.47B
Dividend Yield0.92%
Average Volume (3M)922.69K
Price to Earnings (P/E)28.0
Beta (1Y)1.17
Revenue Growth6.45%
EPS Growth18.85%
CountryIN
Employees35
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.43
Shares Outstanding462,977,230
10 Day Avg. Volume584,246
30 Day Avg. Volume922,692
Financial Highlights & Ratios
PEG Ratio1.24
Price to Book (P/B)2.24
Price to Sales (P/S)10.62
P/FCF Ratio23.66
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
Tourism Finance Corporation of India Limited Business Overview & Revenue Model
Company Description
Tourism Finance Corporation of India Limited (TFCI) specializes in delivering comprehensive financial support for a broad spectrum of tourism-related initiatives and projects throughout India. The company's robust financial offerings include vario...
How the Company Makes Money
TFCILTD primarily makes money through interest income and fees associated with financing activities. The largest driver is interest earned on loans and other credit facilities it extends to borrowers (e.g., project finance/term loans and other fun...
Tourism Finance Corporation of India Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.51B | 2.77B | 2.44B | 2.26B | 2.26B | 2.49B |
| Gross Profit | 1.79B | 1.83B | 1.69B | 1.52B | 1.73B | 1.87B |
| EBITDA | 1.71B | 1.56B | 1.63B | 1.51B | 1.56B | 1.78B |
| Net Income | 1.12B | 1.23B | 1.04B | 911.08M | 879.50M | 853.19M |
Balance Sheet | ||||||
| Total Assets | 23.11B | 24.12B | 21.02B | 21.06B | 20.45B | 22.45B |
| Cash, Cash Equivalents and Short-Term Investments | 625.81M | 676.18M | 3.37B | 335.50M | 3.75B | 3.60B |
| Total Debt | 10.31B | 10.78B | 8.62B | 9.78B | 9.99B | 12.72B |
| Total Liabilities | 10.59B | 10.97B | 8.86B | 10.16B | 10.28B | 13.08B |
| Stockholders Equity | 12.51B | 13.15B | 12.16B | 10.90B | 10.17B | 9.37B |
Cash Flow | ||||||
| Free Cash Flow | -514.43M | 1.24B | 696.92M | -70.62M | -1.37B | 1.37B |
| Operating Cash Flow | -514.20M | 1.24B | 703.36M | -66.37M | -1.37B | 1.39B |
| Investing Cash Flow | -209.00K | -3.96B | 122.22M | -2.02M | -109.00K | -20.91M |
| Financing Cash Flow | -279.76M | 1.87B | 260.16M | -220.42M | -116.58M | 566.26M |
Tourism Finance Corporation of India Limited Technical Analysis
Neutral
65.33
Price Trends
74.29
Negative
70.99
Positive
69.77
Positive
Market Momentum
0.20
Positive
47.35
Neutral
47.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TFCILTD, the sentiment is Neutral. The current price of 65.33 is below the 20-day moving average (MA) of 74.50, below the 50-day MA of 74.29, and below the 200-day MA of 69.77, indicating a neutral trend. The MACD of 0.20 indicates Positive momentum. The RSI at 47.35 is Neutral, neither overbought nor oversold. The STOCH value of 47.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:TFCILTD.
Tourism Finance Corporation of India Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹34.47B | 28.01 | ― | 0.92% | 6.45% | 18.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹58.16B | 15.63 | ― | 0.43% | 25.13% | 17.12% | |
64 Neutral | ₹423.80B | 10.49 | ― | 2.92% | 19.73% | 48.94% | |
61 Neutral | ₹718.58B | 24.11 | ― | 0.91% | 10.78% | 12.42% | |
58 Neutral | ₹225.12B | 13.55 | ― | ― | 34.64% | 316.68% | |
57 Neutral | ₹221.85B | 120.32 | ― | ― | 3.40% | 6.97% |
* Financial Sector Average
IN:TFCILTD
Tourism Finance Corporation of India Limited
74.45
28.25
61.15%
IN:HUDCO
Housing & Urban Development Corp. Ltd.
211.70
-9.39
-4.25%
IN:IFCI
IFCI Limited
82.34
22.41
37.39%
IN:IIFL
IIFL Finance Limited
529.30
57.99
12.30%
IN:LTF
L&T Finance Ltd
286.80
98.69
52.46%
IN:MASFIN
MAS Financial Services Ltd.
320.55
32.98
11.47%
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.