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

• Market Cap: ₹32.40B
• Dividend Yield: 0.93%
• Average Volume (3M): 922.69K
• Price to Earnings (P/E): 29.7
• Beta (1Y): 1.24
• Revenue Growth: 5.73%
• EPS Growth: 12.29%
• Country: IN
• Employees: 35
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.63
• Shares Outstanding: 462,977,230
• 10 Day Avg. Volume: 584,246
• 30 Day Avg. Volume: 922,692
• PEG Ratio: 1.42
• Price to Book (P/B): 1.32
• Price to Sales (P/S): 6.33
• P/FCF Ratio: 23.08
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: ₹66.00 ▲(1.90% Upside)

The overall stock score of 58 reflects strong financial performance with robust revenue growth and profitability. However, technical indicators suggest bearish momentum, and the valuation indicates potential overvaluation. The lack of earnings call and corporate events data limits further insights.

Positive Factors

Revenue Growth

The robust revenue growth indicates the company's successful expansion in the tourism finance sector, enhancing its market position and long-term sustainability.

Profitability

High profitability margins reflect strong operational efficiency, allowing the company to reinvest in growth opportunities and maintain competitive advantages.

Balance Sheet Improvement

A stronger balance sheet with reduced leverage enhances financial stability, providing greater flexibility for future investments and growth.

Negative Factors

Cash Flow Management

Inefficient cash flow management can hinder the company's ability to fund operations and growth initiatives, potentially impacting long-term financial health.

High Valuation Concerns

A high valuation could limit future stock price appreciation and may reflect overly optimistic growth expectations, posing a risk if performance does not meet investor expectations.

Earnings Call Data Absence

Lack of earnings call data limits transparency and investor insight into management's strategic direction, potentially affecting investor confidence and decision-making.

Tourism Finance Corporation of India Limited Business Overview & Revenue Model

Company Description

Tourism 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 Money

TFCILTD generates revenue primarily through interest income from loans and advances provided to entities in the tourism sector. The company offers a range of financial products, including term loans, working capital facilities, and project financing, which are tailored to the unique needs of tourism-related projects. Additionally, TFCILTD may earn fees from advisory services, project appraisals, and consultancy provided to clients in the industry. Strategic partnerships with governmental bodies and tourism boards can also enhance its revenue through collaborative funding initiatives and grant opportunities aimed at boosting tourism infrastructure development.

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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.46B	2.44B	2.26B	2.26B	2.49B	2.58B
Gross Profit	1.72B	1.69B	1.52B	1.73B	1.87B	1.94B
EBITDA	1.67B	1.63B	1.51B	1.56B	1.78B	1.81B
Net Income	1.09B	1.04B	911.08M	879.50M	853.19M	807.13M
Balance Sheet
Total Assets	21.56B	21.02B	21.06B	20.45B	22.45B	21.85B
Cash, Cash Equivalents and Short-Term Investments	927.30M	3.37B	335.50M	3.75B	3.60B	1.32B
Total Debt	8.87B	8.62B	9.78B	9.99B	12.72B	13.60B
Total Liabilities	9.10B	8.86B	10.16B	10.28B	13.08B	13.93B
Stockholders Equity	12.47B	12.16B	10.90B	10.17B	9.37B	7.92B
Cash Flow
Free Cash Flow	0.00	696.92M	-70.62M	-1.37B	1.37B	-1.72B
Operating Cash Flow	0.00	703.36M	-66.37M	-1.37B	1.39B	-1.71B
Investing Cash Flow	0.00	122.22M	-2.02M	-109.00K	-20.91M	-1.45M
Financing Cash Flow	0.00	260.16M	-220.42M	-116.58M	566.26M	-7.34M

Tourism Finance Corporation of India Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 64.77
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 64.77 is below the 20-day moving average (MA) of 66.75, below the 50-day MA of 69.73, and above the 200-day MA of 53.15, indicating a neutral trend. The MACD of -1.21 indicates Positive momentum. The RSI at 43.00 is Neutral, neither overbought nor oversold. The STOCH value of 23.55 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

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%
PFS	66 Neutral	₹21.27B	6.16	―	―	-17.15%	124.47%
GICHSGFIN	65 Neutral	₹9.26B	6.51	―	2.77%	1.07%	-13.63%
PAISALO	65 Neutral	₹34.72B	16.83	―	0.27%	11.75%	-6.52%
REPCOHOME	62 Neutral	₹28.12B	6.06	―	1.64%	8.10%	2.97%
TFCILTD	58 Neutral	₹32.40B	29.73	―	0.93%	5.73%	12.29%
CENTRUM	39 Underperform	₹13.37B	―	―	―	47.88%	11.61%

Tourism Finance Corporation of India Limited Corporate Events

Tourism Finance Corporation of India Director Increases Stake

Tourism Finance Corporation of India Limited has disclosed a significant transaction under the SEBI (Prohibition of Insider Trading) Regulations, 2015, involving its director, Aditya Kumar Halwasiya. Halwasiya increased his shareholding in the company by acquiring 1,200,000 shares, raising his stake from 19.86% to 21.16%. This acquisition, valued at Rs. 45.53 crore, was executed through an open market transaction on the National Stock Exchange. The move indicates a strong vote of confidence in the company’s prospects and could positively impact its market perception and stakeholder confidence.