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Tourism Finance Corporation of India Limited (IN:TFCILTD)
:TFCILTD
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Tourism Finance Corporation of India Limited (TFCILTD) AI Stock Analysis

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IN:TFCILTD

Tourism Finance Corporation of India Limited

(TFCILTD)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
₹346.00
▲(367.88% Upside)
The overall stock score of 73 reflects strong technical momentum and solid financial performance, despite concerns over cash flow management and a high valuation. The stock's upward trend is supported by positive technical indicators, but investors should be cautious of the relatively high P/E ratio.

Tourism Finance Corporation of India Limited (TFCILTD) vs. iShares MSCI India ETF (INDA)

Tourism Finance Corporation of India Limited Business Overview & Revenue Model

Company DescriptionTourism Finance Corporation of India Limited provides financial assistance to tourism-related activities/projects in India. The company offers rupee term loans, project loans, corporate loans, loans against securities, bridge loans, subscription in equity shares/debentures, etc.; structured solutions to corporate clients; advisory/investment solutions to manage, leverage, and enhance capital structure by various offerings, such as convertible preference shares, mezzanine loans, venture capital debt, convertible bonds, etc.; and structured finance, PE placement, mergers and acquisitions, project and infrastructure finance, debt syndication, and debt restructuring services. It also provides research and consultancy services; financial assistance to greenfield, as well as for expansion, diversification, and modernization projects; and financial assistance for small and medium businesses. Tourism Finance Corporation of India Limited was incorporated in 1989 and is based in New Delhi, India.
How the Company Makes MoneyTFCILTD generates revenue primarily through interest income earned from the loans it extends to tourism and hospitality enterprises. The company provides both secured and unsecured loans, which are typically repaid over a specified period with interest. Additionally, TFCILTD earns fees from advisory services related to project financing and development, including consultancy for feasibility studies and project management. Significant partnerships with government bodies and private sector players further enhance its operational scope and revenue potential, particularly in large-scale tourism infrastructure projects. The company's focus on sustainable tourism also aligns with various government initiatives, potentially attracting grants and subsidies that can contribute to its earnings.

Tourism Finance Corporation of India Limited Financial Statement Overview

Summary
Tourism Finance Corporation of India Limited demonstrates strong revenue growth and profitability, with an improving balance sheet characterized by reduced leverage. However, cash flow management remains an area for improvement, particularly in converting operating income into cash.
Income Statement
78
Positive
Tourism Finance Corporation of India Limited shows a strong revenue growth rate of 12.4% in the latest year, indicating robust top-line expansion. The gross profit margin is exceptionally high at 98.4%, suggesting efficient cost management. However, the net profit margin has shown a significant increase to 67%, reflecting improved profitability. The EBIT and EBITDA margins are not available for the latest period, but historical data indicates healthy operational efficiency.
Balance Sheet
72
Positive
The company has improved its debt-to-equity ratio to 0.71, indicating a more balanced capital structure compared to previous years. Return on equity is stable at 8.5%, showing consistent shareholder returns. The equity ratio is not explicitly provided, but the reduction in total debt and increase in stockholders' equity suggest a strengthening balance sheet.
Cash Flow
65
Positive
The free cash flow has turned positive, showing significant improvement from previous negative figures, with a free cash flow to net income ratio close to 1, indicating strong cash generation relative to net income. However, the operating cash flow remains a concern, as it is significantly lower than net income, suggesting potential cash flow management issues.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue2.06B2.54B2.26B2.29B2.49B2.58B
Gross Profit2.46B2.50B1.52B1.11B1.19B1.15B
EBITDA2.30B2.26B1.51B2.01B2.29B2.32B
Net Income1.09B1.04B911.08M879.50M853.19M807.13M
Balance Sheet
Total Assets21.56B21.02B21.06B20.45B22.45B21.85B
Cash, Cash Equivalents and Short-Term Investments927.30M3.37B335.50M624.53M3.60B1.32B
Total Debt8.87B8.62B9.78B9.99B12.72B13.60B
Total Liabilities9.10B8.86B10.16B10.28B13.08B13.93B
Stockholders Equity12.47B12.16B10.90B10.17B9.37B7.92B
Cash Flow
Free Cash Flow0.00696.92M-70.62M-1.37B1.37B-1.72B
Operating Cash Flow0.00703.36M-66.37M-1.37B1.39B-1.71B
Investing Cash Flow0.00122.22M-2.02M-109.00K-20.91M-1.45M
Financing Cash Flow0.00260.16M-220.42M-116.58M566.26M-7.34M

Tourism Finance Corporation of India Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price73.95
Price Trends
50DMA
66.05
Positive
100DMA
57.30
Positive
200DMA
44.71
Positive
Market Momentum
MACD
2.34
Positive
RSI
66.17
Neutral
STOCH
72.79
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TFCILTD, the sentiment is Positive. The current price of 73.95 is above the 20-day moving average (MA) of 73.20, above the 50-day MA of 66.05, and above the 200-day MA of 44.71, indicating a bullish trend. The MACD of 2.34 indicates Positive momentum. The RSI at 66.17 is Neutral, neither overbought nor oversold. The STOCH value of 72.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:TFCILTD.

Tourism Finance Corporation of India 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
73
Outperform
₹34.69B31.830.80%7.91%16.20%
68
Neutral
₹23.71B5.110.65%9.72%7.08%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
62
Neutral
₹22.49B7.283.20%-17.16%83.67%
60
Neutral
₹34.15B16.550.27%13.28%-6.07%
59
Neutral
₹9.35B7.252.58%0.10%-18.71%
46
Neutral
₹14.05B58.12%22.23%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:TFCILTD
Tourism Finance Corporation of India Limited
73.95
43.88
145.93%
IN:CENTRUM
Centrum Capital Limited
33.49
-0.97
-2.81%
IN:GICHSGFIN
GIC Housing Finance Limited
172.85
-44.16
-20.35%
IN:PAISALO
Paisalo Digital Ltd.
38.76
-13.42
-25.72%
IN:PFS
PTC India Financial Services Limited
35.05
-12.93
-26.95%
IN:REPCOHOME
Repco Home Finance Ltd.
385.30
-103.56
-21.18%
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 20, 2025